Comparison

Emma vs My Financial Tracker

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Emma

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
Currently charting
Read full description

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

About

My Financial Tracker

Easily track your income and expenses with this intuitive financial tool. Visualize your spending habits, manage debts, and export your data for a clearer financial picture.

Highlights
  • Expense & Income Tracking
  • Visual Reports & Insights
  • Expense Reduction Tools
  • Debt Management
  • CSV Export
  • Daily Use Design
Features
Read full description

Stay organized with a simple yet powerful financial tracker that helps you take control of your money. This app combines the best tools of a spending tracker, expense tracker, and income tracker to give you a clear picture of your finances every day. Key Features: Expense & Income Tracking – Log every transaction in seconds. Add categories for food, bills, shopping, salary, or freelance income. This makes it easy to see how money flows in and out. Visual Reports & Insights – View your data through simple charts and reports. The financial tracker shows spending trends and helps you understand where your budget goes. Expense Reduction – Find unnecessary costs and plan ways to save. By using this spending tracker, you can cut back on habits that drain your budget. Debt Management – Keep track of loans, bills, and payment due dates. Stay on top of debts to avoid late fees and financial stress. CSV Export – Generate reports and export your records to CSV. Use them in other tools for advanced analysis or share them if needed. This financial tracker is made for everyone. No financial skills are required. Whether you just want a simple expense tracker for personal use, an income tracker for side jobs, or a full budget planner, this app works for you. It is designed for daily use, with a clear layout and easy navigation. Track money on the go, set reminders, and always know your balance. Download the financial tracker today and make better financial decisions with less effort. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.appfluxlabs.com/privacy-policy

Screenshots

Emma4 screens
My Financial Tracker4 screens

Verdict

The call

Emma and My Financial Tracker both sit at 4.7 stars, but that hides the real split: 82% of My Financial Tracker's written reviews are positive against 38% of Emma's. My Financial Tracker also leads on ads (none vs shown). Emma's advantage is ratings volume (1.4K vs 22) and chart position (#135 vs unranked). On price, rating, update cadence and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Emma sells 8 in-app purchases, starting at $4.99 per month and My Financial Tracker sells 5 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.7 for Emma against 4.7 for My Financial Tracker. That said, the two scores are not equally well evidenced: Emma has 1.4K ratings behind it against 22, so its average is the more settled of the two. Written reviews are what separate them: 38% of Emma's written reviews are positive against 82% of My Financial Tracker's.

UpkeepUpdate frequency

Emma ships an update every 6 days, My Financial Tracker every 9 days. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 7 level
Emma versus My Financial Tracker: the parameters behind the verdict, then further details
ParameterEmmaMy Financial Tracker
PriceFreeFree
Rating4.7 (1.4K ratings)4.7 (22 ratings) — better
Positive reviews38.3% of reviews82.1% of reviews — better
Number of ratings1.4K — better22
Update frequencyEvery 6 days — betterEvery 9 days
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
Best chart rank#135 — better—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.115.0 — better
Further details — not scored
Size161 MB64 MB
Age rating4++4
DeveloperEmma Technologies LTD.AppFlux Labs

Customer experience

Emma

All ratings1,422 ratings
Positive92.6%
Neutral1.4%
Negative6.0%
Written reviews716 reviews
Positive38.3%
Neutral8.5%
Negative53.2%

My Financial Tracker

All ratings22 ratings
Positive95.5%
Neutral4.5%
Negative0.0%
Written reviews84 reviews
Positive82.1%
Neutral4.8%
Negative13.1%

Bugs and requests

Emma

Reported bugs

4 issues
  • 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

5 requests
  • 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

My Financial Tracker

Not enough reviews yet to summarise bugs or requests.

In-app purchases

8 purchases

Emma

Subscriptions8
  • Emma Plus Monthly7 Days trial$4.991 Month
  • Emma Pro Monthly7 Days trial$9.991 Month
  • Monthly Pro Subscription7 Days trial$9.991 Month
Show 5 more
  • Emma Pro7 Days trial2 variants$9.991 Month
  • Emma Ultimate7 Days trial$14.991 Month
  • Emma Plus Yearly7 Days trial$41.991 Year
  • Emma Pro7 Days trial2 variants$83.991 Year
  • Subscription7 Days trial$83.991 Year
5 purchases

My Financial Tracker

Subscriptions4
  • Unlock The Unlimited Access$0.997 Days
  • Unlimited Access Week3 Days trial$0.997 Days
  • Unlimited Access Month$1.991 Month
Show 1 more
  • Unlimited Access Year$19.991 Year
One-time1
  • Unlimited Access Forever$29.99

Questions

Is Emma free?
Emma is free to download, with in-app purchases available.
Is My Financial Tracker free?
My Financial Tracker is free to download, with in-app purchases available.
Which has better reviews, Emma or My Financial Tracker?
My Financial Tracker is rated higher. Emma averages 4.7 out of 5 from 1.4K ratings, while My Financial Tracker averages 4.7 from 22 ratings.
Do Emma or My Financial Tracker have ads?
Emma shows ads; My Financial Tracker does not.
Which is updated more often, Emma or My Financial Tracker?
Emma ships an update every 6 days, and My Financial Tracker every 9 days. Most recently, Emma was updated on November 6, 2026 and My Financial Tracker on November 3, 2026.

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