What it does
Emma brings connected accounts, recurring payments and spending analysis into one app. It supports banks in the UK, US and Canada, with a free Basic plan and paid tiers for category budgeting, custom categories, offline accounts and separate personal or business spaces.
Use the recurring-payments view to identify the commitments that shape your budget before examining individual purchases. Emma can align the budget period with weekly, fortnightly or monthly pay, helping you assess spending over the time your income needs to cover.
You need an Emma account and at least one supported current, savings or credit-card connection to get started. Offline accounts on Pro and Ultimate can then fill gaps such as cash or an unsupported account. From Feed, tap Add below your balances, choose Offline Account, and enter its type, balance and name before confirming. You must maintain both its transactions and balance yourself.
Pick a plan for the accounts you actually track
The following prices are the site's UK rates. Paid plans offer a seven-day trial.
| Plan | Monthly price | Annual price | Useful distinction |
|---|---|---|---|
| Basic | Free | Free | Two bank logins |
| Plus | £4.99 | £41.99 | Four bank logins, budgeting and web access |
| Pro | £9.99 | £83.99 | Unlimited bank logins, custom categories and offline accounts |
| Ultimate | £14.99 | £124.99 | Adds business-account connections and Spaces |
Plus, Pro and Ultimate users can open the web dashboard, scan its QR code with their phone and approve access in the Emma app. The mobile app is available on iOS and Android. Bank connections outside the UK, US and Canada are not supported, and the app uses one display currency across all accounts.
Strengths
- Recurring-payment tracking helps separate committed spending from other purchases.
- Pro and Ultimate add manually maintained accounts alongside bank connections.
- Paid users can review their finances on a web dashboard.
Watch out for
- At least one supported bank connection is required even if you want offline accounts.
- The display currency applies to the whole app rather than individual accounts.
Best for
- People with UK, US or Canadian accounts reviewing recurring charges
- Households who want budgets aligned to their pay cycle
Sources
- Emma budgeting and plan overview (Oct 27, 2026)
- Compare Emma plans (Oct 27, 2026)
- Emma budgeting periods and categories (Oct 27, 2026)
- Create offline accounts (Oct 27, 2026)
- Emma bank countries and display currency (Oct 27, 2026)
- Sign in to the Emma Web Dashboard (Oct 27, 2026)
- Emma requires a supported bank account (Oct 27, 2026)