Overview

Emma is a personal-finance app for people who want to connect accounts and keep budgets and subscriptions in view. It is a sensible starting point for individuals who want free budgeting, but advanced tracking and account capacity come at a monthly cost.

Key features

Basic combines account connections, budgeting and subscription tracking, covering useful everyday organization without a subscription fee. Plus adds bill reminders, cashback and enhanced tracking, making it a better fit for people who want more help keeping bills visible. Pro adds custom categories and offline accounts, as well as net-worth tracking and CSV export; those tools matter most to users who want more control over how they classify and review finances. Ultimate includes all Plus and Pro features, along with Spaces and unlimited bank logins, so its clearest appeal is to users managing many connected accounts.

Emma supports web, iOS and Android, with account sync, bill tracking, budgeting, net-worth tracking and report export among its capabilities. The plan split matters: net-worth tracking and CSV export are Pro features, while unlimited bank logins require Ultimate.

Pricing

All four plans are billed monthly. Basic is free and includes account connections, budgeting and subscription tracking. It is a practical place to begin, but it does not include the bill reminders or enhanced tracking added by Plus.

Plus costs £4.99 per month and adds bill reminders, cashback, budgeting and enhanced tracking. Choose it if those additions are useful; it does not include Pro's custom categories, offline accounts, net-worth tracking or CSV export.

Pro costs £9.99 per month and adds those four tools. It suits users who need more detailed tracking or export, but does not include Ultimate's unlimited bank logins or Spaces. Ultimate costs £14.99 per month and includes all Plus and Pro features, plus Spaces and unlimited bank logins. It is the most relevant tier for users who need that capacity; otherwise the lower plans avoid paying for it.

A 7-day trial is offered. The free Basic plan provides a no-cost way to start, while the paid tiers are monthly commitments.

Platforms

Emma is available on the web, iOS and Android, giving users a choice of browser or mobile access. The combination is useful for people who want to check finances on a phone as well as through a web interface.

Who it's for

Emma suits individuals who want budgeting and subscription tracking in one app, with optional upgrades for bill reminders, more detailed tracking and larger account needs. Basic is appropriate for a no-cost start; Pro is the tier to consider for net-worth tracking or CSV export. It is a weaker fit for anyone who needs those features without a paid plan.

Pros and cons

Pros: A free plan includes account connections, budgeting and subscription tracking, so users can start without paying.
Pros: Paid plans add specific steps up to net-worth tracking, CSV export and unlimited bank logins, allowing users to choose based on their needs.
Cons: Net-worth tracking and CSV export require Pro at £9.99 per month, putting those tools beyond the free and Plus tiers.
Cons: Unlimited bank logins and Spaces are reserved for Ultimate at £14.99 per month, which may be more than users with modest account needs require.

Alternatives

For workplace financial wellness rather than personal budgeting, Saventh offers a free workplace programme across Android, iOS and web, with no employer or employee charge stated. FinFit is another free option for registered members, with educational content, a financial assessment and dashboard; access depends on an employer. OneEleven LaunchPad may suit organizations seeking a permanently free program with no enrollment caps or expiration and up to three complimentary coaching sessions per employee. For other workplace options, compare Employee Financial Wellness Software.

Best Money Moves, Floatr and Kredit Academy are alternatives to consider. Chime Workplace and My Money Matters are also options for workplace financial wellness. For a broader set of personal-finance tools, see Personal Finance Software.

Verdict

Emma is a good fit for individuals who want a free way to budget and track subscriptions, with a clear upgrade path for reminders, richer tracking and more account capacity. Its main drawback is that useful tools such as net-worth tracking and CSV export require Pro, while unlimited bank logins require the top tier. Choose it if the free basics meet your needs or a paid feature justifies its price; look elsewhere if you need advanced tracking without stepping up to a subscription.

	Emma	Guilders
Free plan	Yes	No
Free trial	No	No
Paid from	£4.99/mo	—
Open source	No	No
Platforms	Web, iOS, Android	Web
Free plan	Yes	—
Budgeting tools	Yes	Yes
Bill tracking	Yes	—
Net-worth tracking	Yes	Yes
Account sync	both	both
Report export	Yes	Yes
Mobile apps	both	—

Emma vs Guilders

Emma

Guilders