Emma - Budget Planner Tracker

In-app purchases
4.94K 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
Dec 4, 2022

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
4.94K reviews
Celsea Noonan
August 10, 2022
Syncing (rarely works when I want) and customer service is terrible, they are rarely available and email days later! I definitely wanted to like this, especially since I paid $60 but I decided to finally make a switch to a new budgeting app. Also categories, not sure what the point of creating a category and then labeling things because it doesn't do it for future charges. It will make me manually change them again. Very frustrating.
4 people found this review helpful
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June 30, 2022
It's been a great budgeting app but I just downgraded my review due to the dumbfounding redesign of the UX. It's so much worse than it was!! It was awesome and intuitive and now everything just feels less intuitive and more difficult to navigate and see. Please go back to how it was!
8 people found this review helpful
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Emma Technologies LTD.
June 30, 2022
Hey T, sorry to hear you're not enjoying the new design of Emma. We made these changes to address a number of reoccurring issues users were raising with us regarding the previous design. In addition, we also included in the re-design the space to incorporate more features like the new Spaces future, banks transfers and features yet to come!
A Google user
April 20, 2020
After trying an exhausting number of budgeting app, both paid and free, I found Emma to best fit my budgeting needs. Most apps have multiple issues that make the experience less than favorable. With Emma, even though it's a bit pricey, it performs better than the rest I've tried. I do wish there were more graphs and exportable reports. Otherwise its great for me...
12 people found this review helpful
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Emma Technologies LTD.
April 20, 2020
Hey Carlos, Glad to hear we've come out on top. We're doing more work on our graphs in the future so you keep your eyes peeled. While we do currently have exportable graphs, go to the 'More' tab > 'Emma Pro' > 'Exporting of Data' and you should be able to export your Emma data :)

What's new

Bug fixes & performance improvements.