Comparison

Emma vs Budget Planner & 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
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

Budget Planner & Tracker

This app helps you manage your income and expenses, track loans, and set financial goals. It offers features for individual and family budgeting, with options for anonymous spending and offline access.

Highlights
  • Income and expenditure management
  • Borrowing and lending tracking
  • Budget creation and monitoring
  • Offline mode
  • Family financial management
  • Anonymous spending management
  • Data synchronization and backup
Features
Read full description

Are you looking for a comprehensive, FREE and easy-to-use personal finance management application? HeDa: Smart Budget Planner & Tracker is the perfect solution for you! HeDa provides outstanding features to help you manage income and expenditure, borrowing, lending and budget effectively: * Planning: - Plan spending and income for yourself, family or group - Set specific financial goals and track progress * Revenue and expenditure management: - Record daily expenses and income with many diverse spending categories - Track your cash flow details - Share spending with groups of friends or family - Debt collection and repayment management * Borrowing and lending management: - Record loans and loans - Monitor payment schedules and interest rates - Reminds you about upcoming due loans * Budget management: - Create and manage multiple budgets for different purposes - Track your spending against your set budget - Analyze spending to make wise financial decisions * Offline mode: - Lets you use the app even when you don't have an internet connection - This is helpful when you're on a plane, in a spotty reception area, or anywhere else with limited internet access - Also support you so save record within a second, there is no delay on all app actions * Family financial management: - Many family members can enter data together and manage income and expenditure - The wife manages her husband's expenses. The husband manages his wife's expenses - Parents manage their children's expenses * Manage anonymous spending and slush funds - Two layers of security, anonymous asset management, slush fund - Two family members enter data together but cannot see some anonymous spending - Use secondary passwords to access anonymous data * Other function: - Two-layer security helps protect your data - Automatic data synchronization and backup - Intuitive statistical charts allow you to easily track your finances - Customize the interface according to your preferences - Supports many languages - Budgets - to help you stick to your financial goals - Wallets - organize your cash, bank accounts or different financial occasions - Shared Finances - to efficiently manage money with partners or flatmates - Multiple Currencies - to handle vacation finances with ease - Labels - to mark and analyze transactions in more depth - Secure Data Sync - to keep your details private, confidential and safe - Use multiple accounts - Crunch numbers with the built-in calculator HeDa is the perfect personal finance management application for everyone. Whether you are a student, employee or business owner, HeDa will help you manage your finances effectively and achieve your financial goals. Download HeDa for free today and start managing your finances smartly! Privacy Policy: https://expensees.com/privacy

Screenshots

Emma4 screens
Budget Planner & Tracker4 screens

Verdict

The call

The clearest difference is review sentiment: Budget Planner & Tracker at 96% against Emma's 38%. Budget Planner & Tracker also leads on ads (none vs shown) and rating (5.0 vs 4.7). Emma's advantage is ratings volume (1.4K vs 5) and update cadence (every 6 days vs fortnightly). On price, in-app purchases, monetization model and device support 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 Budget Planner & Tracker sells 10 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Budget Planner & Tracker 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 5, so its average is the more settled of the two. Written reviews point the same way: 38% of Emma's written reviews are positive against 96% of Budget Planner & Tracker's.

UpkeepUpdate frequency

Emma ships an update every 6 days, Budget Planner & Tracker fortnightly. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.

Scorecard6 real differences · 4 level
Emma versus Budget Planner & Tracker: the parameters behind the verdict, then further details
ParameterEmmaBudget Planner & Tracker
PriceFreeFree
Rating4.7 (1.4K ratings)5.0 (5 ratings) — better
Positive reviews38.3% of reviews96.2% of reviews — better
Number of ratings1.4K — better5
Update frequencyEvery 6 days — betterFortnightly
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.113.0 — better
Further details — not scored
Size161 MB99 MB
Age rating4+4+
DeveloperEmma Technologies LTD.ShapeeCloud JSC

Customer experience

Emma

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

Budget Planner & Tracker

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews52 reviews
Positive96.2%
Neutral1.9%
Negative1.9%

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

Budget Planner & 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
10 purchases

Budget Planner & Tracker

One-time10
  • 400 Points Package$1.49
  • 1,000 Points Package$3.99
  • Flash Sale Package$4.99
Show 7 more
  • 2,000 Points Package$6.99
  • Flash Sale Package$6.99
  • Flash Sale Package$8.99
  • 3,000 Points Package$9.99
  • 4,000 Points Package$10.99
  • 5,000 Points Package$11.99
  • Lifetime Package$20.99

Questions

Is Emma free?
Emma is free to download, with in-app purchases available.
Is Budget Planner & Tracker free?
Budget Planner & Tracker is free to download, with in-app purchases available.
Which has better reviews, Emma or Budget Planner & Tracker?
Budget Planner & Tracker is rated higher. Emma averages 4.7 out of 5 from 1.4K ratings, while Budget Planner & Tracker averages 5.0 from 5 ratings.
Do Emma or Budget Planner & Tracker have ads?
Emma shows ads; Budget Planner & Tracker does not.
Which is updated more often, Emma or Budget Planner & Tracker?
Emma ships an update every 6 days, and Budget Planner & Tracker fortnightly. Most recently, Emma was updated on November 6, 2026 and Budget Planner & Tracker on November 4, 2026.

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