Emma
An app that finds your subscriptions and tracks your spending.
What Emma does
Emma is a budgeting app from the UK that pulls your accounts into one place, finds your subscriptions and helps you set budgets. It's on iPhone and Android, and also works in the US and Canada. You get weekly reports, daily balance updates and overdraft alerts for free. Paid plans add bill reminders, custom categories, split transactions and more.
Emma works by connecting to your bank accounts, then sorting everything into one view. From there it spots recurring payments, so you can see every subscription you're paying for in one list. Budgets, weekly reports and spending breakdowns help you see where the month went, and daily balance updates and overdraft alerts keep you out of trouble.
The paid tiers stack on top of each other. Plus adds things like a True Balance view, bill reminders, cashback offers and checks for known data breaches. Pro adds custom categories, renaming and splitting transactions, smart rules, data export and offline accounts you update by hand. Ultimate adds Spaces, so you can group accounts and give each group its own budgets.
Emma started in the UK and is regulated by the UK's Financial Conduct Authority. It launched in the US and Canada in 2019, connecting to banks there through Plaid. It's a strong pick if you want one app for budgets and subscriptions on iPhone or Android. Before you rely on it, check that your bank can connect.
Alternatives to Emma
Who it's for
Skip it if: People who don't want to connect a bank account.
Pricing
Free planEmma is free to use. Paid plans called Plus, Pro and Ultimate start at $4.99 a month on the US App Store, with monthly or yearly billing. Each tier adds features on top of the one below it.
Prices can vary by country. Checked 19 Oct 2026.
What people like
- Generous free plan with bank connection and subscription tracking
- Overdraft alerts and daily balance updates
- Weekly reports included on the free plan
- Regulated by the UK's Financial Conduct Authority
Watch out for
- Started in the UK, so check that your bank connects
- Useful extras like custom categories need Pro
- Three paid tiers can be confusing to compare
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Questions people ask
Is Emma free?
Yes. The free plan connects your accounts, tracks subscriptions and sets budgets. Paid plans start at $4.99 a month.
Does Emma find my subscriptions?
Yes. Once your accounts are connected, Emma spots recurring payments and lists your subscriptions.
Does Emma work outside the UK?
Yes. Emma started in the UK and launched in the US and Canada in 2019. Check that your bank can connect before you rely on it.
What's the difference between Emma Plus, Pro and Ultimate?
Plus adds bill reminders and cashback. Pro adds custom categories, split transactions and export. Ultimate adds Spaces for grouping accounts.
Is Emma on Android?
Yes. Emma is on iPhone and Android.