# Emma vs Billy Split

The clearest difference is in-app purchases: Billy Split at none against Emma's 11. Billy Split also leads on ads (none vs shown) and update cadence (every 3 days vs weekly). Emma's advantage is chart position (#131 vs unranked) and device support (3 vs 1). On price there is nothing between them.

Both are free to download. Emma sells 8 in-app purchases, starting at $4.99 per month. Billy Split asks for nothing beyond the download.

Emma ships an update weekly, Billy Split every 3 days. The most recent releases landed on October 27, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | Emma | Billy Split |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.4K ratings)](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373/reviews)** | — |
| Number of ratings | **1.4K** | — |
| Positive reviews | 38.3% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Weekly | **Every 3 days** |
| Monetization | Free with in-app purchases | — |
| Best chart rank | **#131** | — |
| Size | 161 MB | 54 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Emma Technologies LTD.](https://appshunter.io/developer/1202559061) | [Adam Kulpa](https://appshunter.io/developer/1661133013) |

## What reviewers say

### Emma

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

**Currently charting:** #131 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


### Billy Split

[App page](https://appshunter.io/ios/app/billy-split-scan-and-share/id6801957469)

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

**In-app purchases:** none


## Frequently asked questions

### Is Emma free?

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

### Is Billy Split free?

Billy Split is free to download, with no in-app purchases.

### Do Emma or Billy Split have ads?

Emma shows ads; Billy Split does not.

### Which is updated more often, Emma or Billy Split?

Emma ships an update weekly, and Billy Split every 3 days. Most recently, Emma was updated on October 27, 2026 and Billy Split on October 8, 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.*