Compare / Emma vs Spendee
Emma vs Spendee
Two records, side by side. Spendee ships 0 things Emma does not, Emma ships 0 Spendee does not, 12 attributes are the same, and 52 cannot be compared because one side is Unknown.
Emma: $4.99/month or $41.99/yearSpendee: $1.99/month or $14.99/yearEmma: 41 of 71 recordedSpendee: 16 of 71 recorded
Where they differ
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No recorded attribute differs.
All 71 attributes
| Attribute |  Emmachecked · None |  Spendeechecked · 2026-09-09 |
|---|---|---|
| Cost | ||
| Free tier | Yes | Yes |
| Price | $4.99/month or $41.99/year (Free tier capped at 2 bank logins) | $1.99/month or $14.99/year (7-day trial) |
| Lifetime purchase | ? | ? |
| Connections | ||
| Account aggregation | Yes | Yes |
| Connectors | TrueLayer | ? |
| Refresh more than daily | Yes | ? |
| Manual accounts | Yes | Yes |
| Countries | GB · US · CA | ? |
| Multi-currency | ? | Yes |
| Crypto and digital assets | Yes | Yes |
| Transactions | ||
| Edit transactions | Yes | ? |
| Create manual transactions | Yes | Yes |
| Rules engine | Yes | ? |
| Mass edit | Yes | ? |
| Split transactions | Yes | ? |
| History import | Yes | ? |
| Length of history | Months | ? |
| Export | Yes | ? |
| Import formats | CSV | ? |
| Nested categories | Yes | ? |
| Custom categories | Yes | Yes |
| Tags | Yes | ? |
| Receipt attachments | ? | Yes |
| Planning | ||
| Budgeting | Yes | Yes |
| Envelope budgeting | ? | ? |
| Zero-based budgeting | ? | ? |
| Rollover budgeting | Yes | ? |
| Recurring transactions | Yes | ? |
| Bills | Yes | Yes |
| Bill negotiation | ? | ? |
| Goal tracking | Yes | ? |
| Debt payoff planning | ? | ? |
| Cash-flow forecasting | ? | ? |
| Scenario planning | ? | ? |
| Retirement planning | ? | ? |
| Subscription tracking | Yes | ? |
| Subscription cancellation | Yes | ? |
| Automated transfers | ? | ? |
| Calendar view | ? | ? |
| Wealth | ||
| Net worth | Yes | ? |
| Balance history import | ? | ? |
| Investment tracking | Yes | ? |
| Investment transactions | ? | ? |
| Real estate | Yes | ? |
| Investment fee analysis | ? | ? |
| Insight | ||
| Reports | Yes | Yes |
| Trends | Yes | ? |
| Credit scores | Yes | ? |
| Alerts | Yes | Yes |
| Assistance | ||
| AI chat | ? | ? |
| AI categorization | ? | ? |
| Sharing | ||
| Partner or household | Yes | Yes |
| Adviser access | ? | ? |
| Business or rental separation | Yes | ? |
| Platforms | ||
| Interfaces | Web · iOS · Android | Web · iOS · Android |
| Full mobile app | Yes | Yes |
| Home-screen widgets | ? | ? |
| Customizable dashboard | Yes | ? |
| Offline access | ? | ? |
| Trust | ||
| SOC 2 | ? | ? |
| 2FA / MFA | ? | ? |
| Sells or shares your data | ? | ? |
| Read-only bank connections | Yes | ? |
| Data held by | ? | ? |
| Self-hosting | ? | ? |
| Open source | ? | ? |
| Extending | ||
| Public API | ? | ? |
| Spreadsheet sync | Yes | ? |
| Webhooks | ? | ? |
| Tax export | ? | ? |
| Tax filing | ? | ? |