The budgeting app that fits your life

Set budgeting goals, track your spending, and take full control of your money with Emma’s smart budgeting tools.

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How does budgeting work in Emma?

Feel in control of your money

Connect your bank accounts, credit cards, and e-wallets to see all your spending in one place. Emma updates in real time, so you always know where your money’s going.

Built around your lifestyle and pay

Set your pay cycle to weekly, biweekly, or monthly. Emma adjusts your budget automatically, showing your daily limits and helping you stay on track.

Sort your spending with custom categories

Create a total monthly budget and break it down into categories like groceries, eating out, or transport. Emma helps you track spending by what matters to you.

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Budgeting with Emma

Key features to transform how you budget

Stay in control with award-winning budgeting app designed to make your money work for you.

Category budgeys

Total & individual budget categories

Set one overall budget or break things down into what matters like groceries, eating out. Emma keeps you on track in every category, so you always know where your money’s going.

Emma budgeting dashboard displaying spending categories and limits

Committed spending

Plan ahead with confidence

Emma tracks recurring expenses like rent, subscriptions, or utility bills so you always know what’s already covered before you spend a penny.

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Emma savings goal tracker showing progress towards a savings target

Daily Allowance

Know what you can spend today

Emma automatically calculates how much you can spend each day after subtracting upcoming bills and budgets. It’s a simple way to stay in control without overthinking.

Emma app interface for sending payments using QR code or payment link

Merchant budgets

Control spending at specific brands

Whether it's Amazon, Deliveroo, or Zara, Emma lets you set custom budgets for specific merchants. Perfect for keeping habits in check.

Rolling budgets

Stay flexible month to month

If you don’t spend your full budget, Emma carries it over to the next month helping you stay flexible without starting from zero.

Emma app confirming successful rent reporting to Equifax, Experian, and TransUnion

Category budgets

Total & individual budget categories

Set one overall budget or break things down into what matters like groceries, eating out. Emma keeps you on track in every category, so you always know where your money’s going.

Committed spending

Plan ahead with confidence

Emma tracks recurring expenses like rent, subscriptions, or utility bills so you always know what’s already covered before you spend a penny.

Learn more

Daily Allowance

Know what you can spend today

Emma automatically calculates how much you can spend each day after subtracting upcoming bills and budgets. It’s a simple way to stay in control without overthinking.

Learn more

Merchant budgets

Control spending at specific brands

Whether it's Amazon, Deliveroo, or Zara, Emma lets you set custom budgets for specific merchants. Perfect for keeping habits in check.

Learn more

Rolling budgets

Stay flexible month to month

If you don’t spend your full budget, Emma carries it over to the next month helping you stay flexible without starting from zero.

Learn more

We support 60+ banks to keep you in control of your money

Emma makes budgeting easy by putting all your money in one place. Connect over 60 UK banks and financial institutions including your credit cards, savings accounts, pensions, crypto wallets, and even your mortgage.

Emma’s budgeting app automatically pulls in all your balances and transactions securely, so you never miss a thing.

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See all your finances in one powerful budgeting app

Emma is more than a budgeting app, it’s your all-in-one money management tool. Track your budget, monitor income and spending, and view upcoming bills, all in one place.

With Emma’s budget analytics, you’ll get personalised insights that help you understand your spending habits, visualise where your money goes, and improve your financial wellbeing.

Budgeting isn’t just about tracking, it’s about making smarter money decisions. Emma gives you the clarity to do just that.

Learn more

Emma app displaying connected UK bank accounts in a single dashboard

See all your finances in one powerful budgeting app

Emma is more than a budgeting app, it’s your all-in-one money management tool. Track your budget, monitor income and spending, and view upcoming bills, all in one place.

With Emma’s budget analytics, you’ll get personalised insights that help you understand your spending habits, visualise where your money goes, and improve your financial wellbeing.

Budgeting isn’t just about tracking, it’s about making smarter money decisions. Emma gives you the clarity to do just that.

Get started

Learn more

Need to separate your personal and joint budgeting?

Emma’s Spaces feature makes it easy to manage multiple budgets without the stress. Whether you want to keep personal spending apart from household bills or track shared expenses with a partner, Spaces helps you stay organised and in control.

Create custom budgeting groups for anything, from daily spending to family expenses, and avoid the mess of mixing everything into one account.

Get started

Need to separate your personal and joint budgeting?

Create custom budgeting groups for anything, from daily spending to family expenses, and avoid the mess of mixing everything into one account.

Get started

Learn more

Discover more about budgeting

New to budgeting or want to level up your money skills? Emma’s budgeting hub is packed with helpful guides, tips, and real-life money stories to help you make the most of your budget and reach your goals faster.

Budgeting