Emma - Budget Planner Tracker

Emma Technologies LTD.

In-app purchases

About this app

Emma | Your All-in-One Budget Planner App

Emma is the budget planner that helps you manage your money, track your spending, and stay on top of your finances, all in one place. Whether you're budgeting for bills, groceries, or savings, Emma makes financial planning simple, smart, and stress-free.

Why Choose Emma?

Emma supports 50+ UK banks and financial institutions such as Monzo, Barclays, HSBC, Lloyds, NatWest, Starling, and Revolut, so you can connect all your accounts in one place to get full control of your income, expenses, and budgeting goals.

It’s your personal finance assistant that helps you make smarter money decisions every day.

Top Budget Planner Features

📊 Custom & Smart Budgets: Set up flexible monthly budgets by category, merchant, or pay period. You can even sync your budgets to your payday, track rolling budgets and stay in control of your cash flow with detailed analytics.

📈 Powerful Insights: Dive into your spending with pie charts, spend-over-time graphs, and cash flow analysis to truly understand your money habits.

💬 Budget Notifications & Alerts: Stay one step ahead with smart alerts that remind you when you're close to overspending or when new bills hit.

💳 Bills & Subscriptions Tracking: Get real-time bill reminders and easily cancel unwanted subscriptions.

👥 Emma Groups & Spaces: Split expenses with friends or roommates using Emma Groups (perfect if you're bored of Splitwise), or separate your personal and business accounts with Emma Spaces.

💰 Emma Pots & Smart Savings: Create savings goals using Emma Pots, automate with roundups or AI-powered savings suggestions, and enjoy competitive interest rates to grow your money effortlessly.

📊 Invest in Stocks: Explore investments with access to 1,800+ stocks all from inside the Emma app. When investing, your capital is at risk.

📧 Weekly Reports: Receive smart summaries and budgeting progress updates to keep your financial goals on track.

A Smarter Way to Budget

Emma is not just a budgeting app, it's a complete budget planner designed to help you stay financially healthy. Whether you want to stick to your monthly budget or start saving for something big, Emma gives you the structure and support to make it happen.

All Your Finances, One Budgeting Tool

Track all your bank accounts, credit cards, savings, and investments in one place. Emma shows you a full picture of your financial life, making it easier to budget and plan for the future.

💸 Earn Cashback While You Shop

With Emma Cashback, you can earn free money every time you shop at top UK retailers. It's a simple way to save more without changing your spending habits.

🔌 Save on Energy and Broadband Bills

Emma helps you find better deals on your Energy and Broadband providers, so you can cut costs and avoid overpaying.

💳 Discover Loans and Credit Cards

Looking to improve your financial options? Compare Loans and Credit Cards directly in the app and explore opportunities to consolidate your debts.

📈 Boost Your Credit Score

Emma lets you report your rent payments to the UK’s three major credit bureaus, Equifax, TransUnion, and Experian, so you can steadily improve your credit score just by paying rent.

What Our Users Say

⭐️ Maya: “Emma helped me cut my ‘Eating Out’ budget by over £150 in just two months. The weekly insights and custom categories made it easy to track my habits and save without feeling restricted.”

⭐️ 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.”

Start Planning Your Budget Today

Download Emma to track your spending, manage your bills, and build better budgeting habits!

Ratings and reviews

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.

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.

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.

What's new

Bug fixes and various improvements