Emma review
A capable free budgeting app with paid tiers for deeper tracking and exports.
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Emma is a personal finance app for people who want to bring bank accounts, credit cards, e-wallets, spending, budgets, recurring expenses, savings, investments, and net worth into one place. It connects accounts through Open Banking and also supports offline accounts for assets or accounts that cannot be linked. Weekly or monthly budgets, category budgets, daily spending allowances, subscription tracking, bill reminders, and Spaces give households several ways to organize day-to-day finances. Emma is available on web, iOS, and Android, with the web dashboard available to premium customers.
The published plans give buyers a clear freemium path. Basic costs £0 per month and includes account connections, budgeting, and subscription tracking. Plus costs £4.99 per month and adds bill reminders, cashback, budgeting, and enhanced tracking. Pro costs £9.99 per month and adds custom categories, offline accounts, net-worth tracking, and CSV export. Ultimate costs £14.99 per month and includes unlimited bank logins, Spaces, and all Plus and Pro features. A 7-day free trial is also available. The plan structure suits users who want to start without a subscription and pay only for more advanced organization or data access.
Emma’s strongest fit is mobile-first household budgeting with broad account aggregation and multiple views of spending. Its support for merchant-specific and rolling budgets, committed spending, recurring expenses, savings, investments, credit, rent reporting, and account notifications gives it more scope than a basic expense tracker. Integrations include Open Banking, Google Sheets, and several cryptocurrency platforms, including Coinbase, Kraken, Binance, Bitfinex, Bitstamp, and Bittrex. Choose Emma if you want connected accounts, budgeting, reminders, and optional net-worth or export features across mobile and web. Choose another tool if you need those paid capabilities without a subscription, or if your priorities do not extend beyond simple expense tracking.
Emma pros and cons
- Where it wins
- Free plan includes account connections, budgeting, and subscription tracking
- Aggregates bank, credit-card, and e-wallet accounts through Open Banking
- Covers budgets, recurring spending, allowances, savings, investments, and net worth
- Where it doesn't
- CSV export and net-worth tracking require eligible paid plans
- The free Basic plan does not include bill reminders or cashback
- Unlimited bank logins and Spaces are limited to the Ultimate tier
Emma fact sheet, pricing and score →
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