Emma - Budget Planner Tracker

Emma Technologies LTD.

In-app purchases

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

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

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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

Ratings and reviews

The app does not sync with my bank account for weeks at a time, rendering the amount shown in each of my accounts absolutely useless since it is not accurate. I end up checking each of my accounts manually to get the accurate balance since it is not reflected in the Emma app. This is frustrating considering I am paying for the most expensive subscription and it was marketed in a way that made it seem like the syncing was better than the free version. It is not.

I mean still a good app, but forced to pay a subscription if you have more than two accounts which makes freenplan virtually useless. Super dissapointing. If every feature when I used it worked I'd pay, but the tracking of overall accounts never seemed correct, and it wouldn't categorize very well, I couldn't bulk edit or setup rules. I used it only for an accounts total and to pay 80 a year for that is ridiculous. Create a tiered system and u might keep some more people. Hope it's worth it.

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?

What's new

Bug fixes & performance improvements.