# Emma vs Spendar

The clearest difference is review sentiment: Emma at 39% against Spendar's 0%. Emma also leads on ratings volume (1.4K vs 1). Spendar's advantage is rating (5.0 vs 4.7) and iOS requirement (13.0 vs 15.1). On price, update cadence, ads 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 Spendar sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Spendar holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Emma has 1.4K ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 39% of Emma's written reviews are positive against 0% of Spendar's, so the app with the better star average is not the one people write more warmly about.

Emma ships an update weekly, Spendar every 3 days. The most recent releases landed on October 26, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Emma | Spendar |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (1.4K ratings)](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/spendar-expense-tracker/id1639150541/reviews)** |
| Number of ratings | **1.4K** | 1 |
| Positive reviews | **38.7% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Weekly | **Every 3 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 161 MB | 76 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Emma Technologies LTD.](https://appshunter.io/developer/1202559061) | [Mehmet Saltan](https://appshunter.io/developer/1639150543) |

## 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


### Spendar

[App page](https://appshunter.io/ios/app/spendar-expense-tracker/id1639150541)

This app helps you track your spending, organize bills, and plan your finances. It provides insights into where your money goes, helping you save and budget effectively with reminders and visual charts.

**Highlights:** Spending tracking, Bill organization, Expense management, Budget planning, Spending reminders, Category-based spending analysis, Historical spending charts

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Spendar Premium - Monthly | $3.99 | per month |
| Spendar Premium - Yearly | $23.99 | per year |
| Spendar Premium - Lifetime | $49.99 | one-time |


## Frequently asked questions

### Is Emma free?

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

### Is Spendar free?

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

### Which has better reviews, Emma or Spendar?

Spendar is rated higher. Emma averages 4.7 out of 5 from 1.4K ratings, while Spendar averages 5.0 from 1 ratings.

### Do Emma or Spendar have ads?

Both Emma and Spendar show ads.

### Which is updated more often, Emma or Spendar?

Emma ships an update weekly, and Spendar every 3 days. Most recently, Emma was updated on October 26, 2026 and Spendar on October 15, 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.*