A solid free budgeting app for people juggling several accounts, but anyone shopping for AI should note those features are only planned.
Kenning's take
What it does
Emma is a budgeting app that links bank, credit card and other accounts so all balances and spending show in one place. It sorts transactions into categories, lets people set budgets, and flags recurring payments and subscriptions. Paid plans add cashback deals, bill reminders, custom categories, net worth tracking and business accounts.
- connects all accounts in one place
- budgets and spending categories
- tracks subscriptions and recurring payments
- cashback deals and bill reminders on Plus
- custom categories, offline accounts and net worth on Pro
- Spaces for personal, business and joint accounts on Ultimate
Who it suits. UK adults with several bank accounts or cards who want one view of their spending and subscriptions.
Key facts
- Category
- Money, bills & shopping
- Made by
- Emma Technologies Ltd
- Based in
- United Kingdom
- Launched
- 2017
- Works on
- iPhone, Android
- In the UK
- Yes
- Free plan
- Basic: connect accounts, budget and track subscriptions
Pricing
| Plan | Price | Billed |
|---|---|---|
| Plus | £4.99 | month |
| Plus | £41.99 | year |
| Pro | £9.99 | month |
| Pro | £83.99 | year |
| Ultimate | £14.99 | month |
| Ultimate | £124.99 | year |
Ratings
Reviews and write-ups
FAQ
Is Emma free?
Yes, there is a free option (Basic: connect accounts, budget and track subscriptions). Pricing: Free Basic; Plus £4.99, Pro £9.99, Ultimate £14.99 a month (checked 2026-10-10).
What devices does Emma work on?
Emma is available on: iPhone and iPad, Android.
Who makes Emma?
Emma is made by Emma Technologies Ltd, based in United Kingdom.
Facts from the maker's own pages and the sources listed. Checked 2026-10-11.
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