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Switching / PocketGuard → Emma

Moving from PocketGuard to Emma

Assembled from both records. Nothing here is an opinion — it is the difference between two rows, written out.

$12.99/month or $74.99/year → $4.99/month or $41.99/yearHistory: import worksAggregators: Plaid, Finicity, Salt Edge → TrueLayer

Your data — read this first

PocketGuard records transaction export as Yes, so take the export first. Emma imports transaction history, so what you exported comes with you.

Transactions
Yes
Balance history
?
Budgets
Rebuilt by hand
Rules
Rebuilt by hand
Attachments
?

Transactions, balance history and attachments are Emma’s own import attributes. Budgets and rules never transfer between two apps in this index.

What you gain

  • Free tier No → Yes
  • Mass edit No → Yes
  • Subscription cancellation No → Yes
  • Credit scores No → Yes
  • Partner or household No → Yes

What you lose

  • Nothing recorded

What is unchanged

  • Account aggregation, Refresh more than daily, Manual accounts, Edit transactions, Create manual transactions, Rules engine, History import, Export, Custom categories, Budgeting, Rollover budgeting, Recurring transactions, Bills, Goal tracking, Subscription tracking, Net worth, Investment tracking, Reports, Trends, Alerts, Read-only bank connections

38 attributes are Unknown on one side and left out. Gains and losses are a diff of the two records.

How to do it

  1. Export from PocketGuard first

    Take the transaction export while your subscription is live. The record says export is available.

  2. Get the file into a format Emma reads

    Its record lists CSV. If your export is something else, a spreadsheet can usually re-save it as CSV.

  3. Import before you connect anything

    Import the file first. Connecting banks first creates duplicates that then have to be merged one by one.

  4. Connect accounts

    Find out which of your banks fail before you are billed. Emma reaches banks through TrueLayer. Banks named most often in Emma’s 56 most recent App Store reviews: Chase (7) — read what they say before you connect those first.

  5. Rebuild budgets and rules

    No app in this index imports another’s budgets or rules. Budgets are quick; rules are worth rebuilding as transactions arrive rather than all at once.