# Emma - Budget Planner Tracker — Spending, Bills, Money Saving > All-in-one financial app for budgeting, spending tracking, and subscription management. (iPhone/iPad app by Emma Technologies LTD..) - Source: https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373 (this page in markdown: same URL + `.md`) - Developer: [Emma Technologies LTD.](https://appshunter.io/developer/1202559061) - Category: Finance, Utilities - Price: Free with in-app purchases - Rating: 4.70/5 from 1,403 App Store ratings · 643 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 163 MB - Languages: American English - Released: 2017-10-19 - Data updated: 2026-08-27 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373/reviews.md ## What is Emma? Meet Emma, your financial super app ● All your accounts in one place ● Find and track your subscriptions ● Set budgets ● Weekly reports ● Analyze your spending & expenses ● Daily balance notifications ● Overdraft alerts BANK LEVEL SECURITY Worried about sharing your data? We hear you. ● Emma uses SSL 256-bit encryption - the same security protocol that banks use - to ensure that your sensitive, personal information is fully encrypted and securely stored. ● Emma uses biometric security authentication for an added level of protection. CUSTOMER REVIEWS “This app is amazing! I used to manually track my expenses using a notepad or a spreadsheet but always used to make mistakes and never found time to update it. This fixes all my budgeting issues and saves me so much time as well as money!” Sarah “I love the fact that I can do everything within this one app. I mainly use it for tracking my expenses but have also started using it to instantly send/receive payments which makes things super easy. Also, the money I’ve saved from using this app is used to invest in my favorite companies using the investment feature!” Mike OUR MISSION We believe everyone deserves a financial advocate to help with money management and budgeting. Someone who watches our back no matter who we are and where we come from. We provide a great experience, which relies on a basic principle - caring about our customers’ financial well being. This is who we are and what we stand for. We have received amazing feedback from the finance community and have been featured in Forbes, Financial Times, Politico, The Sunday Times and CITY A.M. MORE FEATURES? GO PLUS, PRO OR ULTIMATE We have 3 subscription upgrades available in Emma to power charge your finances. Here’s what is available in each subscription upgrade: Emma Plus True Balance - preemptively see the balance of your bank account after your subscriptions are removed Fraud Detection - find out whether your personal details have been part of a known data breach Bill Reminders - get reminded about your upcoming bills so you never miss a payment Cashback - get cashback from your favorite brands Emma Pro All the features in Emma Plus Custom categories - so you can customize your finances to your heart's content Rename transactions - for easier reference Export data - to understand your finances on excel Create Offline Accounts - to manage your cash expenses and any accounts you can’t link to Emma Create Smart Rules - to automate your Offline Accounts. Look, no hands! Split your transactions - into multiple categories for more flexibility Legendary Pro Icon - because you are a Pro Emma Ultimate All the features in Emma Plus & Pro Spaces - group together different accounts to see separated analytics and budgets Ultimate Icon - so you can show them who's boss ----------------------------------- If you choose to purchase Emma Plus, Emma Pro or Emma Ultimate, payment will be charged to your iTunes account, and your account will be charged for renewal within 24-hours prior to the end of the current period. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Subscriptions are managed by the user and auto-renewal may be turned off by going to the user's Apple ID. Emma subscription prices start at $4.99 CAD/USD/month with 1-month and 12-month packages available. Prices are subject to change without notice. No cancellation of the current subscription is allowed during the active subscription period. If you don’t choose to purchase Emma Plus, Emma or Emma Ultimate, you can simply continue using Emma for free. Emma Technologies LTD is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment services. Reference no. 794952 Company Registration Number: 10578464. Terms and Conditions: https://emma-app.com/terms Privacy Policy: https://emma-app.com/privacy ## Key features - Consolidate all accounts - Track subscriptions - Set budgets - Weekly spending reports - Overdraft alerts - Bank-level security ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Emma Pro Monthly | $9.99 | per month | | Monthly Pro Subscription | $9.99 | per month | | Emma Pro | $83.99 | per year | | Subscription | $83.99 | per year | | Emma Pro | $9.99 | per month | | Emma Plus Yearly | $41.99 | per year | | Emma Pro | $83.99 | per year | | Emma Plus Monthly | $4.99 | per month | | Emma Pro | $9.99 | per month | | Emma Ultimate | $14.99 | per month | ## What do users think of Emma? Overall sentiment: neutral **Pros** - 👍 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 **Cons** - 🔒 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 **Commonly reported bugs** - App crashes or freezes frequently - Transactions not syncing properly or showing incorrect balances - Issues connecting to certain bank accounts - Recurring payments not being tracked accurately **Most requested features** - Add support for more banks and financial institutions - Improve budgeting features with better categorization and goal-setting - Provide more customization options for categories and reporting - Integrate with investment accounts and track net worth - Offer a more affordable pricing model or free tier with core features ## Recent user reviews (10 of 643) All indexed reviews: https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373/reviews.md ### 5/5 — Really helping me *2026-08-18* I have ADHD and have a terrible history of managing money. This app put my accounts in one place - the most useful tool is tracking my actual balance after normal bills have gone out. I did the trial and signed up for about £40 for the year and it has been worth it. I have got better at saving each month and keeping my accounts in the black. Only grumbles for me: I would like to have credit cards and loans on there without them dragging my running balance down - keep them visible but separate from my monthly balance. It would help push me to pay them. It can’t show bank saving accounts (that comes from the bank restrictions, but it is annoying). Also, I don’t like how often I have upgrading pushed on me - I am using it because I need to get a handle on my money, so I certainly can’t afford it! Otherwise - I really recommend it to anyone with ADHD who needs visual support and notifications to keep finances on track **Developer response:** Thank you for such a thoughtful review. We’re really glad Emma is helping you stay on top of your money, save more and keep everything clearer in one place. We appreciate your detailed feedback, it’s really useful to hear what could make the experience better. ### 2/5 — Frustrating app *2026-08-17, version 6.2.4* It maybe a useful tool, who knows, I couldn’t ever find what I was looking for. Try finding export data for example, it’s not easy. All the useful function requires an upgrade to platinum such as adding a business account. App needs a redesign. ### 5/5 — Love *2026-08-17, version 6.2.4* I love this app it helped a lot and I highly recommend using it ### 5/5 — Great app *2026-08-14, version 6.2.2* Very helpful ### 3/5 — Usage *2026-08-14, version 6.2.1* Love the app ### 5/5 — Very good bank *2026-08-13, version 6.2.3* I really like how I could use this abroad . It gives me a balance daily , savings rate is ok for a first time saver xx ### 5/5 — Keeps me on track with my spending *2026-08-12, version 6.2.1* Use it a couple of times a week to keep me honest and track for in-month spending! They also release great features often as a result of listening to their customers. ### 4/5 — Good start but analytics poor *2026-08-11, version 6.2.2* Seems very good at tracking transactions after linking easily to various accounts and very easy to categorise BUT the analytics side of things seem very poor and would have to download data to excel to look at anything other than literally top line (income vs spend or pie chart of money spent in categories). ### 1/5 — MRS *2026-08-10, version 6.2.2* If you already use Monzo, this app feels a bit unnecessary. Monzo already gives you spending breakdowns, categories, and monthly insights for free. Emma does a similar job, but most of the useful features are locked behind a subscription. It might be helpful if you have multiple bank accounts to track in one place, but otherwise it feels like paying for something your bank already does. ### 5/5 — Great app *2026-08-09, version 6.2.1* Love this app. Really helps me keep track of my spending. I love that I can make categories, for example “holidays” “groceries” and “car”. I’ve been using this over a year and couldn’t be without it. The only thing I would like added, is to be able to sort by “highest/lowest” spend so I could see at a glance what my biggest purchase was for example last month. But otherwise, great app. ## Frequently asked questions about Emma ### 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. ## Version history (last 5 releases) ### 6.2.7 — 2026-08-26 Bug fixes & performance improvements. ### 6.2.6 — 2026-08-24 Bug fixes & performance improvements. ### 6.2.5 — 2026-08-23 Bug fixes & performance improvements. ### 6.2.4 — 2026-08-17 Bug fixes & performance improvements. ### 6.2.3 — 2026-08-12 Bug fixes & performance improvements. ## Apps similar to Emma | App | Rating | Price | Category | | --- | --- | --- | --- | | [Buddy: Budget Planner App](https://appshunter.io/ios/app/buddy-budget-planner-app/id936422955) | 4.7 (9,387) | Free | Finance | | [PocketGuard・Budget Planner App](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211) | 4.6 (7,664) | Free | Finance | | [Expense & Budget App: Spendee](https://appshunter.io/ios/app/expense-and-budget-app-spendee/id635861140) | 4.6 (6,221) | Free | Finance | | [EveryDollar: Budget Management](https://appshunter.io/ios/app/everydollar-budget-management/id942571931) | 4.7 (84,039) | Free | Finance | | [Budget app - spending tracker](https://appshunter.io/ios/app/budget-app-spending-tracker/id1525179720) | 4.7 (15,549) | Free | Finance | | [Weekly: Budget Planner & Bills](https://appshunter.io/ios/app/weekly-budget-planner-and-bills/id1460038809) | 4.8 (3,704) | Free | Finance | ## Related topics [budget planner emma](https://appshunter.io/ios/topics/budget-planner-emma) · [emma](https://appshunter.io/ios/topics/emma) · [uk budget planner](https://appshunter.io/ios/topics/uk-budget-planner) · [money saving expert](https://appshunter.io/ios/topics/money-saving-expert) · [wpay budget](https://appshunter.io/ios/topics/wpay-budget) · [pay tracker monthly](https://appshunter.io/ios/topics/pay-tracker-monthly) · [balance tracker](https://appshunter.io/ios/topics/balance-tracker) · [snoop](https://appshunter.io/ios/topics/snoop) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*