Comparison

Amounts Budget Expense Tracker vs Emma

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Amounts Budget Expense Tracker

Manage your money effectively with this personal finance tool. Track expenses, create budgets, and visualize spending habits with insightful charts. Securely sync your data across devices for a seamless financial overview.

Highlights
  • Effortless expense logging
  • Insightful budgeting tools
  • Smart financial charts
  • Secure cloud sync
  • Customizable categories
  • CSV export
Features
Read full description

Take control of your finances and achieve your financial goals with Amounts, the powerful personal expense tracker and budgeting app designed to simplify your financial life. Whether you want to track your daily expenses, create a budget, or collect your business purchases, Amounts is here to help you manage money every step of the way. Say goodbye to financial stress and hello to financial freedom! Effortless Expense Tracking With Amounts, simply log your expenses on the go, effortlessly categorize them, and gain instant insights into your spending habits. Our intuitive interface allows you to record cash or credit card transactions with just a few taps, so you can focus on what matters most - managing your wallet. Insightful Budgeting Tools Create budgets tailored to your needs and gain control over your spending. Amounts empowers you to set realistic spending limits for different categories, helping you stay on track and avoid overspending. Know where every dollar of your budget goes and climb your way out of debt! Smart Charts Uncover the secrets behind your spending patterns with our smart financial charts. See daily, weekly, monthly and yearly breakdowns of your spending. Compare different time periods with just a few taps. Identify areas where you can cut back and make informed financial decisions that align with your goals and help you build wealth. Secure and Private We understand that your financial information is sensitive, which is why we prioritize the highest level of security. All of your Amounts data lives either directly on your device, or in your personal iCloud account if you enable cloud sync. Seamless Sync Across Devices Your financial life doesn't stop at your iPhone; it extends to your iPad and Mac. Amounts seamlessly syncs your data across all your devices safely and securly via iCloud, so you can access your financial information anytime, anywhere. Start adding an expense on your iPhone, and finish editing it on your iPad without missing a beat. Intuitive and Personalized Experience We've designed Amounts with your convenience in mind. Our app boasts a clean and intuitive interface, making it easy for you to navigate and manage your finances efficiently. Personalize your experience by choosing from a range of beautiful color palettes to suit your style. Each category you create can be customized with over 100 searchable icons. Amounts is here to make your financial journey enjoyable! Effortless Export Need to get reimbursed for a work trip? No problem! Our excellent CSV export tools let you quickly narrow down which categories and dates you want to export, letting you easily upload transactions to any business tracking tool. Amounts is completely free to use with up to 7 custom user categories. If you want more categories, more customization and more export options you can subscribe to Amounts Pro via a monthly or yearly subscription. Free Features: - 7 fully customizable categories (Icon, color and name) - Monthly category budgeting - Fast transaction entry - View spending trends weekly, monthly or yearly - Daily notification reminder to help keep you on track - iCloud sync across other iOS devices - Store receipt images for easy tracking of reimbursable expenses - Full text search to find any transaction in seconds - Beautiful charts of your data - Quick entry widget Pro Features (Unlocked via subscription): - Unlimited Categories - 100+ icons - Swappable color palettes - Customizable app accent color - Export transactions to CSV - Export backup database & images Privacy Policy: [https://amounts.app/privacy/](https://amounts.app/privacy/) EULA: [https://www.apple.com/legal/internet-services/itunes/dev/stdeula/](https://www.apple.com/legal/internet-services/itunes/dev/stdeula/)

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
Currently charting
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

Screenshots

Amounts Budget Expense Tracker4 screens
Emma4 screens

Verdict

The call

Amounts Budget Expense Tracker and Emma both sit at 4.6 stars, but that hides the real split: 86% of Amounts Budget Expense Tracker's written reviews are positive against 38% of Emma's. Amounts Budget Expense Tracker also leads on ads (none vs shown). Emma's advantage is ratings volume (1.4K vs 19) and update cadence (every 6 days vs every 2 weeks). On price, rating, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Amounts Budget Expense Tracker sells 2 in-app purchases, starting at $2.99 per month and Emma sells 8 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.6 for Amounts Budget Expense Tracker against 4.7 for Emma. That said, the two scores are not equally well evidenced: Emma has 1.4K ratings behind it against 19, so its average is the more settled of the two. Written reviews are what separate them: 86% of Amounts Budget Expense Tracker's written reviews are positive against 38% of Emma's.

UpkeepUpdate frequency

Amounts Budget Expense Tracker ships an update every 2 weeks, Emma every 6 days. The most recent releases landed on August 31, 2026 and September 24, 2026 respectively.

Scorecard5 real differences · 6 level
Amounts Budget Expense Tracker versus Emma: the parameters behind the verdict, then further details
ParameterAmounts Budget Expense TrackerEmma
PriceFreeFree
Rating4.6 (19 ratings)4.7 (1.4K ratings) — better
Positive reviews86.4% of reviews — better38.4% of reviews
Number of ratings191.4K — better
Update frequencyEvery 2 weeksEvery 6 days — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank—#175 — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.015.1 — better
Further details — not scored
Size12 MB165 MB
Age rating4+4+
DeveloperSwift Fox Software LLCEmma Technologies LTD.

Customer experience

Amounts Budget Expense Tracker

All ratings19 ratings
Positive94.7%
Neutral0.0%
Negative5.3%
Written reviews22 reviews
Positive86.4%
Neutral4.5%
Negative9.1%

Emma

All ratings1,409 ratings
Positive92.5%
Neutral1.4%
Negative6.0%
Written reviews674 reviews
Positive38.4%
Neutral8.9%
Negative52.7%

Bugs and requests

Amounts Budget Expense Tracker

Not enough reviews yet to summarise bugs or 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

In-app purchases

2 purchases

Amounts Budget Expense Tracker

Subscriptions2
  • Amounts Pro (Monthly)$2.991 Month
  • Amounts Pro (Yearly)7 Days trial$24.991 Year
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

Questions

Is Amounts Budget Expense Tracker free?
Amounts Budget Expense Tracker is free to download, with in-app purchases available.
Is Emma free?
Emma is free to download, with in-app purchases available.
Which has better reviews, Amounts Budget Expense Tracker or Emma?
Emma is rated higher. Amounts Budget Expense Tracker averages 4.6 out of 5 from 19 ratings, while Emma averages 4.7 from 1.4K ratings.
Do Amounts Budget Expense Tracker or Emma have ads?
Emma shows ads; Amounts Budget Expense Tracker does not.
Which is updated more often, Amounts Budget Expense Tracker or Emma?
Amounts Budget Expense Tracker ships an update every 2 weeks, and Emma every 6 days. Most recently, Amounts Budget Expense Tracker was updated on August 31, 2026 and Emma on September 24, 2026.

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