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Emma - Budget Planner Tracker

Emma - Budget Planner Tracker

Spending, Bills, Money Saving

1.4K ratings
686 reviews
With Ads#199 in top-grossing Finance
🔧 Utilities
💰 Finance
Free
In-App PurchasesWith Ads

Details

  • Released
  • Updated
  • December 15, 2017
  • October 6, 2026

Features

Developer

Emma Technologies LTD.
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About

Consolidate all your financial accounts in one place to track spending, manage subscriptions, and set budgets. Receive weekly reports, daily balance notifications, and overdraft alerts. Offers bank-level security with SSL encryption and biometric authentication.

✓Consolidate all accounts
✓Track subscriptions
✓Set budgets
✓Weekly spending reports
✓Overdraft alerts
✓Bank-level security
Show original description

What users say

Summarized from real user reviews of Emma. Based on 1.4K reviews and a 4.7/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Helpful for budgeting and tracking spending
  • 🚀Efficient at categorizing transactions
  • 💡Useful for detecting subscriptions and recurring payments
  • 👍Intuitive and user-friendly interface
  • 👍Provides good financial insights and analytics

Negative things

  • 🔒Concerns about data privacy and security
  • 💰Expensive subscription model, features locked behind paywall
  • 🐛Syncing issues, transactions not always accurately categorized
  • 🔍Difficult to cancel subscription or delete account
  • 📢Aggressive upselling and notifications
See all reviews
+1

What's New in Emma

6.3.2

October 6, 2026

Bug fixes & performance improvements.

10

Subscriptions & In-App Purchases

Emma Pro Monthly

Full access to all the features of Emma Pro.

$9.991 Month
7 Days trial
How to cancel Emma subscription ⁉️

Charts

Top Grossing

📊 199

Finance

The app has maintained its position at 199 recently.

Last updated on October 7, 2026.

Events

Read more about New in Emma: Credit Alerts
Event EndedMajor Update

New in Emma: Credit Alerts

Credit Alerts are now available on Emma Ultimate.

Aug 18, 2026 — Sep 18, 2026

Read More

Read more about New in Emma: Credit Report
Event EndedMajor Update

New in Emma: Credit Report

Your credit report is now available in Emma

Aug 11, 2026 — Sep 11, 2026

Read More

Read more about Your credit score is here 🎉
Event EndedMajor Update

Your credit score is here 🎉

Now available on Emma Plus, Pro and Ultimate

Aug 4, 2026 — Sep 4, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

Stop changing me

Can this Emma app stop trying to take my money after I delete the app ages ago
urban&spicyurban&spicy

Rubbish

You basically get nothing for free. Don’t even get to set a budget … is that not the whole point of the app??? I could get the same from my individual bank which is not what I want. Interface is glitchy - tried disconnecting and deleting my accounts and never worked but as soon as I clicked ‘Changed my mind’ it worked right away
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esther345esther345

scam

took 83.99 off of me without knowing
sf ocovsf ocov

Another subscription….!

The app is pretty decent to be fair.
However, they manage to send many many notifications everyday, but do they manage to send a notification to say they’re renewing your subscription? Nooooo of course not :(
WG1980WG1980

Mr Smith

Not bad at all
PerfecttouchPerfecttouch
See 681 more reviews

User experience

🐞

Reported Bugs

4 issues

App crashes or freezes frequently

Bug

Transactions not syncing properly or showing incorrect balances

Bug

Issues connecting to certain bank accounts

Bug

Recurring payments not being tracked accurately

Bug
✨

Requested Features

5 requests

Add support for more banks and financial institutions

Feature

Improve budgeting features with better categorization and goal-setting

Feature

Provide more customization options for categories and reporting

Feature

Integrate with investment accounts and track net worth

Feature

Offer a more affordable pricing model or free tier with core features

Feature

FAQ

What does Emma - Budget Planner Tracker do?

Emma is a financial app that helps you manage your money by consolidating all your accounts in one place. It allows you to track your spending, find and manage subscriptions, set budgets, and provides weekly reports and daily balance notifications.

What are the key features of Emma?

Key features include consolidating all your bank accounts, tracking subscriptions, setting budgets, analyzing spending, receiving daily balance notifications, and overdraft alerts. Premium features offer advanced options like fraud detection, bill reminders, custom categories, and data export.

Is Emma free to use?

The app offers a free version with core features for budgeting and expense tracking. However, to access more advanced functionalities like fraud detection, bill reminders, and custom categories, users can upgrade to paid subscription tiers: Emma Plus, Emma Pro, or Emma Ultimate.

How secure is my financial data with Emma?

Emma employs bank-level security measures, including SSL 256-bit encryption, which is the same protocol used by banks to protect sensitive personal information. It also utilizes biometric security authentication for an additional layer of protection.

Who is Emma designed for?

This app is ideal for anyone who wants to get a clear overview of their finances, better manage their spending, avoid missing bill payments, and save money. It's particularly useful for those who find manual expense tracking time-consuming or error-prone.