Emma - Budget Planner Tracker

In-app purchases
4.1
5.96K reviews
500K+
Downloads
Content rating
Everyone
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About this app

Meet Emma, your financial super app 👋

Features

● All your accounts in one place
● Set budgets & track spending: unlimited budgets, custom categories, rolling budgets, merchant budgets, split transactions, you name it. Emma is the ultimate budgeting app.
● Report your rent payments to Equifax, Experian and TransUnion to improve your credit history
● Find and track your subscriptions
● Earn up to 4.50% AER on Easy Access Pots - FSCS Protected
● Make money while shopping by earning cashback
● Invest in US Stocks commission-free. Capital at risk, other charges apply.

Emma can also help you:

● Set bill reminders to never miss a payment again
● View your balance after bills
● Sync your budget payday to payday
● Receive real-time notifications to avoid low balances and overdrafts
● Protect your Identity with our Fraud Detection feature
● Track your net worth to improve your financial health
● Manage your shared expenses with a partner with Emma Groups or Spaces
● Track business accounts
● Pay friends and family
● Discover the best loans for you

Discover all Emma’s features in the app!

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.

● Regulated by the Financial Conduct Authority (FCA).


● Registered with the Information Commissioner’s Office (ICO).


● Featured in Financial Times, The Guardian, iTV, Techcrunch and many more media outlets!


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If you choose to purchase Emma Plus, Emma Pro or Emma Ultimate, payment will be charged to your Google Play Store 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 Google Play Store account. Emma subscription prices start at £4.99 GBP/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.


Loan information


Loan terms: 1 to 25 years
APR: from 3.9% to 99.9%
Representative Example: Borrowing £10,000 over 60 months with monthly repayments of £232.53. The total amount repayable will be £13,951.80. Representative 14.9% APR, annual interest rate (fixed) 13.97%.


Emma Technologies LTD is registered with the FCA under the Payment Services Regulations 2017 for the provision of payment services. Reference no. 794952

Emma Technologies LTD is an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the FCA (FRN 775330).


Emma Technologies LTD is an Introducer Appointed Representative of Quint Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 669450).


Data Protection Registration Number: ZA241546.
CRN: 10578464.


Terms and Conditions: https://emma-app.com/terms
Privacy Policy: https://emma-app.com/privacy
Updated on
28 Aug 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.1
5.88K reviews
Monty A.
15 April 2023
I've been a loyal Emma user for years, supporting and advocating for the app. I've referred many friends to join and appreciated how the app streamlined my finances in one place. However, the recent push to impose a mandatory subscription plan doesn't sit well with me. I understand the need to cover development costs, but charging for syncing multiple accounts alone would be more reasonable. Why force unnecessary features and a subscription price that doesn't align with basic user expectation?
9 people found this review helpful
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Emma Technologies LTD.
16 April 2023
Hey Monty, subscriptions are the best way to move Emma forward and in order to support everyone, we need to put limits on people who have been using the app for Free and have a ton of connections active. We'll still support a free version but with fewer connections. Edoardo
TheDirtyGunman
3 September 2020
A lot of good things in this app. I wish there was a way to add a payment without having to use a previous transaction though. I pay rent with a money order every month, so it gets lumped in with grocery spending rather than committed spending. I can't really separate it without making every purchase from that store a recurring payment. I also work at that store and spend money there roughly everyday so that further complicates things. Paychecks, groceries and rent payment from 1 place.
1 person found this review helpful
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Elgin Jr.
20 July 2020
I've used this since pre-launch. Got Emma pro via referrals. Liked it initally so purhcased a yearly subscription. Now however NOTHING is syncing properly. I've had back to back issues when viewing my analytics reports, having my bank sync & accurate information being shown. To say I'm upset is a drastic understatement!! There are far better apps on the market that don't try and swindle you out of your $$$ to keep track of your spending. Want a refund on my yearly subscription at this point..
7 people found this review helpful
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Emma Technologies LTD.
20 July 2020
Hey Elgin, I am Edoardo, co-founder of Emma. Any chance you can message us to live chat? It's in the More tab, more than happy to resolve and fix. :)

What's new

Bug fixes and other improvements