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Emma

Budgeting app for the UK, US and Canada that tracks accounts, bills and subscriptions, with credit score, net worth and crypto tracking.

$4.99/month or $41.99/year (Free tier capped at 2 bank logins)emma-app.com
Download on the App StoreGet it on Google Play

Feature record

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41 of 71 recorded

Cost

2 / 3
Free tier
Yes
emma-app.com
Price
$4.99/month or $41.99/year (Free tier capped at 2 bank logins)
emma-app.com
Lifetime purchase
?

Connections

6 / 7
Account aggregation
Yes
emma-app.com
Connectors
TrueLayer
emma-app.com
Refresh more than daily
Yes
emma-app.com
Manual accounts
Yes
emma-app.com
Countries
GB · US · CA
emma-app.com
Multi-currency
?
Crypto and digital assets
Yes
emma-app.com

Transactions

12 / 13
Edit transactions
Yes
emma-app.com
Create manual transactions
Yes
emma-app.com
Rules engine
Yes
emma-app.com
Mass edit
Yes
emma-app.com
Split transactions
Yes
emma-app.com
History import
Yes
emma-app.com
Length of history
Months
emma-app.com
Export
Yes
emma-app.com
Import formats
CSV
emma-app.com
Nested categories
Yes
emma-app.com
Custom categories
Yes
emma-app.com
Receipt attachments
?

Planning

7 / 16
Budgeting
Yes
emma-app.com
Envelope budgeting
?
Zero-based budgeting
?
Rollover budgeting
Yes
emma-app.com
Recurring transactions
Yes
emma-app.com
Bills
Yes
emma-app.com
Bill negotiation
?
Goal tracking
Yes
emma-app.com
Debt payoff planning
?
Cash-flow forecasting
?
Scenario planning
?
Retirement planning
?
Subscription tracking
Yes
emma-app.com
Subscription cancellation
Yes
emma-app.com
Automated transfers
?
Calendar view
?

Wealth

3 / 6
Net worth
Yes
emma-app.com
Balance history import
?
Investment tracking
Yes
emma-app.com
Investment transactions
?
Real estate
Yes
emma-app.com
Investment fee analysis
?

Insight

4 / 4
Reports
Yes
emma-app.com
Trends
Yes
emma-app.com
Credit scores
Yes
emma-app.com
Alerts
Yes
emma-app.com

Sharing

2 / 3
Partner or household
Yes
emma-app.com
Adviser access
?
Business or rental separation
Yes
emma-app.com

Platforms

3 / 5
Interfaces
Web · iOS · Android
emma-app.com
Full mobile app
Yes
emma-app.com
Home-screen widgets
?
Customizable dashboard
Yes
emma-app.com
Offline access
?

Trust

1 / 7
SOC 2
?
2FA / MFA
?
Sells or shares your data
?
Read-only bank connections
Yes
emma-app.com
Data held by
?
Self-hosting
?
Open source
?

Extending

1 / 5
Public API
?
Spreadsheet sync
Yes
emma-app.com
Webhooks
?
Tax export
?
Tax filing
?
Nothing recorded yet — 1 group, 2 attributes

Assistance

0 / 2
AI chat
?
AI categorization
?

Checked against the vendor’s own pages on ; 41 attributes carry the source they came from. Every “?” is a link — one field, no account.

Price history · cheapest recurring plan

2026-09-12
First recorded at $41.99/year

Every step is a reviewed change to the record, from the changelog; there is no nightly capture of the vendor’s pricing page. The median is the middle annual price of the 58 live listings that charge one.

What people are saying

My family uses this app to help me budget.App Store · 5★ · 2026-08
I’ve spent over 5 minutes trying to cancel my trial and there’s no obvious way to do it. Feels like a scam! I try to go to support, no one answers.. I go to delete my account and it says cancel subscription first—and takes me to the same run-around subscrip…App Store · 1★ · 2026-07

Read and search all 56 reviews → Unedited store text; the most recent from each end of the scale.

In the news · 1 mention in 90 days

Matched on the app’s exact name from an allowlist of 36 outlets, with a personal-finance word in the headline. Anything outside that is dropped, not published. Headlines belong to their publishers. Fetched 2026-10-08.