Emma - Budget Planner Tracker

Emma Technologies LTD.

In-app purchases

About this app

Meet Emma, your financial super app 👋

Features

● All your money accounts in one place
● Set budgets & track spending: unlimited budgets, custom categories, rolling budgets, merchant budgets, split transactions.
● Report your rent payments to Equifax, Experian and TransUnion to improve your money and credit history
● Find and track your money 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 and money to improve your financial health
● Manage shared money expenses with a partner with Emma Groups or Spaces
● Track business accounts
● Pay friends and family
● Discover the best money loans for you

Discover all Emma’s features in the app!

CUSTOMER REVIEWS:
• Alex: “Emma makes managing my money and spending easy. I prefer it over Plum and Moneybox for tracking finances, it feels smoother than Monzo or Revolut.”
• Klarna: "I've tried Plum, Snoop, Chip, Monzo, and Revolut, but Emma's expense tracker is the best for budgeting and saving money. It's like having a financial assistant that helps me with bills, Klarna payments, and more!"
• James: “Emma’s user-friendly budgeting tools are intuitive, making money easy to track. I use it more than Fudget, Chip, Hyperjar, and it’s better for managing payments than Monzo or Revolut.”


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.
● Registered with the Information Commissioner’s Office (ICO).
● Featured on the BBC, The 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

Ratings and reviews

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?

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.

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..

What's new

Bug fixes and other improvements