# Emma vs Budget App & Expense Tracker

The clearest difference is ads: Budget App & Expense Tracker at none against Emma's shown. Budget App & Expense Tracker also leads on review sentiment (65% vs 38%) and iOS requirement (13.0 vs 15.1). Emma's advantage is update cadence (every 6 days vs every 5 weeks). On price, rating, ratings volume and in-app purchases there is nothing between them.

Both are free to download. Emma sells 8 in-app purchases, starting at $4.99 per month and Budget App & Expense Tracker sells 4 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 4.7 for Emma against 4.8 for Budget App & Expense Tracker. Both are backed by a comparable volume of ratings — 1.4K and 2.7K respectively. Written reviews are what separate them: 38% of Emma's written reviews are positive against 65% of Budget App & Expense Tracker's.

Emma ships an update every 6 days, Budget App & Expense Tracker every 5 weeks. Both last shipped on October 29, 2026.

## The numbers

| Metric | Emma | Budget App & Expense Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (1.4K ratings)](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373/reviews) | **[4.8 (2.7K ratings)](https://appshunter.io/ios/app/budget-app-and-expense-tracker/id1448335613/reviews)** |
| Number of ratings | 1.4K | **2.7K** |
| Positive reviews | 38.3% of reviews | **65.2% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 6 days** | Every 5 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 161 MB | 92 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Emma Technologies LTD.](https://appshunter.io/developer/1202559061) | [Bookipi Pty Ltd](https://appshunter.io/developer/1132093613) |

## What reviewers say

### Emma

[App page](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373)

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.

**Highlights:** Consolidate all accounts, Track subscriptions, Set budgets, Weekly spending reports, Overdraft alerts, Bank-level security

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Emma Plus Monthly | $4.99 | per month |
| Emma Pro Monthly | $9.99 | per month |
| Monthly Pro Subscription | $9.99 | per month |
| Emma Pro | $9.99 | per month |
| Emma Ultimate | $14.99 | per month |
| Emma Plus Yearly | $41.99 | per year |
| Emma Pro | $83.99 | per year |
| Subscription | $83.99 | per year |

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🔒 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

**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

**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


### Budget App & Expense Tracker

[App page](https://appshunter.io/ios/app/budget-app-and-expense-tracker/id1448335613)

This free budgeting app helps you track expenses, plan budgets weekly or monthly, and review cash flow with visual charts. It offers unlimited wallets to separate personal and business finances, with automatic expense tracking via bank feeds and receipt scanning.

**Highlights:** Unlimited wallets for personal and business expenses, Automatic expense tracking via bank feeds, Receipt scanning and storage, Weekly and monthly budget planning, Spending limit notifications, Visual charts and expense breakdowns, Data exporting via CSV

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Single Bank \| Monthly | $2.99 | per month |
| Unlimited Banks \| Monthly | $4.49 | per month |
| Single Bank \| Annual | $23.99 | per year |
| Unlimited Banks \| Annual | $35.99 | per year |

**What reviewers like**

- 🚀 Great app, easy to use
- 👍 Useful features, good for business/personal use
- ⭐ Fantastic, best app for expense tracking
- 💯 Awesome, perfect for my needs

**What reviewers complain about**

- 🐛 Bugs, issues with recurring transactions and wallet balances
- 🔍 Missing features like landscape mode, custom recurring expenses
- ⚠️ Compatibility issues with newer devices, UI not optimized
- 🔒 Concerns about subscription/bank connection process

**Reported bugs**

- Entries disappearing and reappearing randomly
- Incorrect wallet totals shown
- Recurring transactions not working as expected
- Compatibility issues with newer iOS devices

**Requested features**

- Ability to view recurring expenses in future months
- Option to upload documents/receipts, not just photos
- Automatic categorization of scanned receipts
- Customizable categories and icons
- Dark mode option


## Frequently asked questions

### Is Emma free?

Emma is free to download, with in-app purchases available.

### Is Budget App & Expense Tracker free?

Budget App & Expense Tracker is free to download, with in-app purchases available.

### Which has better reviews, Emma or Budget App & Expense Tracker?

Budget App & Expense Tracker is rated higher. Emma averages 4.7 out of 5 from 1.4K ratings, while Budget App & Expense Tracker averages 4.8 from 2.7K ratings.

### Do Emma or Budget App & Expense Tracker have ads?

Emma shows ads; Budget App & Expense Tracker does not.

### Which is updated more often, Emma or Budget App & Expense Tracker?

Emma ships an update every 6 days, and Budget App & Expense Tracker every 5 weeks. Most recently, Emma was updated on October 29, 2026 and Budget App & Expense Tracker on October 29, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*