Emma vs Subscribed
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Consolidate all accounts
- Track subscriptions
- Set budgets
- Weekly spending reports
- Overdraft alerts
- Bank-level security
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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
Subscribed
Manage all your recurring payments in one place. Get timely reminders for upcoming renewals and visualize your spending to identify potential savings. Stop wasting money on forgotten subscriptions.
- Effortless subscription tracking
- Payment renewal reminders
- Spending visualization
- Identify hidden costs
- Customizable categories
- Multi-currency support
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Tired of surprise subscription charges? Stop wasting money on forgotten subscriptions! Subscribed is your personal subscription watchdog, designed to save you money and eliminate the headache of managing multiple subscriptions. Never miss a payment or overpay for a service you no longer use again. Why You Need Subscribed - Effortless Tracking: Keep track of all your subscriptions in one convenient place. - Payment Reminders: Get notified before upcoming renewals, so you can make informed decisions. - Visualize Your Spending: See exactly where your money goes with insightful graphs and statistics. - Uncover Hidden Costs: Identify forgotten subscriptions and potential savings. How Subscribed Works 1. Easy Setup: Add subscriptions in an instant 2. Personalized Dashboard: Get a clear overview of your subscription spending, upcoming payments, and renewal dates. 3. Smart Insights: Track spending trends, compare subscription costs, and pinpoint areas where you can save. 4. Proactive Alerts: Receive timely reminders before subscriptions auto-renew, putting you in charge. Features That Save You Money - Unlimited Subscription Tracking: Manage all your subscriptions, big or small. - Customizable Categories: Organize subscriptions by type (finance, health and entertainment) for easy budgeting. - Multi-Currency Support: Track subscriptions in your local currency, perfect for international users. Subscribed: Your subscription savings sidekick. Terms and conditions: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy policy: https://www.montinovo.com/privacysubscribed/
Screenshots
Verdict
The clearest difference is ads: Subscribed at none against Emma's shown. Subscribed also leads on rating (5.0 vs 4.7). Emma's advantage is ratings volume (1.4K vs 3) and update cadence (every 6 days vs every 3 weeks). On price, in-app purchases and monetization model 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
Both are free to download. Emma sells 8 in-app purchases, starting at $4.99 per month and Subscribed sells 2 in-app purchases, starting at $1.19 per month. Whichever you choose, the download price is not the number that matters.
Subscribed 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 3, so its average is the more settled of the two.
Emma ships an update every 6 days, Subscribed every 3 weeks. The most recent releases landed on October 22, 2026 and October 2, 2026 respectively.
| Parameter | Emma | Subscribed |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (1.4K ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 38.6% of reviews | — |
| Number of ratings | 1.4K — better | 3 |
| Update frequency | Every 6 days — better | Every 3 weeks |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 17.0 |
| Further details — not scored | ||
| Size | 158 MB | 40 MB |
| Age rating | 4+ | 4+ |
| Developer | Emma Technologies LTD. | Andrea Montinovo |
Customer experience
Emma
Subscribed
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
Subscribed
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Emma
- Emma Plus Monthly7 Days trial$4.991 Month
- Emma Pro Monthly7 Days trial$9.991 Month
- Monthly Pro Subscription7 Days trial$9.991 Month
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- 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
Subscribed
- SubscribedPlus14 Days trial$1.191 Month
- Subscribed Plus annuale14 Days trial$9.991 Year









