Emma - Budget Planner Tracker

In-app purchases
5.82K reviews
Content rating
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About this app

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


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.


“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!”

“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!”


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.


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
Updated on
May 20, 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

5.74K reviews
A Google user
October 29, 2019
Interesting app for keeping most of your finances in one place and managing them easier. I like how my balances with multiple financial institutions are right there so that I don't have to login separately. It would be cool if the app was funnier like insulting our spending habits. More trivia would be cool too. The only thing I'm not fond of is that my auto loan provider, Foursight Capital LLC, isn't listed, so I can't keep track of that. Otherwise, the app is useful to me and I'll keep using.
3 people found this review helpful
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Andi Kemberling
December 5, 2020
I downloaded and deleted MANY budgeting apps before keeping this one. It's the only one that does what I need, plus it exceeds my expectations in ease and customization. I love that you can set up recurring payments, see a history of one merchant, batch edit transactions, and so much more! The tags are pretty cool too. And it's actually reasonably priced. So worth the cost for convenience. I'm also able to have my husband signed into my account on his phone with his own pin/fingerprint.
27 people found this review helpful
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September 3, 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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What's new

Fixes and improvements