# Emma vs My Financial Tracker

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.

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.

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.

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.

## The numbers

| Metric | Emma | My Financial Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (1.4K ratings)](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373/reviews) | **[4.7 (22 ratings)](https://appshunter.io/ios/app/my-financial-tracker/id1507625362/reviews)** |
| Number of ratings | **1.4K** | 22 |
| Positive reviews | 38.3% of reviews | **82.1% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 6 days** | Every 9 days |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#135** | — |
| Size | 161 MB | 64 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | +4 |
| Developer | [Emma Technologies LTD.](https://appshunter.io/developer/1202559061) | [AppFlux Labs](https://appshunter.io/developer/1882687293) |

## What reviewers say

### Emma

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

**Currently charting:** #135 Top Grossing · Finance (US App Store)

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


### My Financial Tracker

[App page](https://appshunter.io/ios/app/my-financial-tracker/id1507625362)

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:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlock The Unlimited Access | $0.99 | per 7 days |
| Unlimited Access Week | $0.99 | per 7 days |
| Unlimited Access Month | $1.99 | per month |
| Unlimited Access Year | $19.99 | per year |
| Unlimited Access Forever | $29.99 | one-time |


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