Yes! Emma is free to use 😁 You'll only be charged if you subscribe to Emma Ultimate, Emma Pro or Emma Plus - you are not subscribed to Emma Ultimate, Pro or Plus automatically.

How does Emma App make money?

Emma offers upgrades called Emma Ultimate, Pro or Plus, which you can purchase inside of the app. We also make money from affiliate partners. If you are interested in learning more about Emma Ultimate, Pro or Plus, please visit the link below: What is Emma Ultimate? 👑 What is Emma Pro? 🚀 What is Emma Plus? ➕

Can I still use the Emma App if I don't have a bank account?

In order to use Emma, you will need to connect a checking, savings or credit card account first. If your bank is not supported by Emma, you will not be able to use the app. You can also follow us on X, Instagram or Facebook for updates!

What platforms and devices do you support?

You can use Emma on: - Android - iPhone - iPad - Web - this is currently in Beta and only available to premium customers

Take control of your money

Download Emma to save more and spend less with the all-in-one financial membership.

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Rated 4.6

35k+ App Store & Google Play ratings

Emma cards showing $3,000 income and $2,266 spending this month, and a $2,266 budget

Emma recurring payments card with iTunes, Klarna and Medium

Emma fraud detection card monitoring 2 numbers and 3 emails, with 4 breaches found

Emma app home screen showing balances and spending insights

Budgeting

Track your finances & budget

Powerful tools to analyse your bank accounts and cut your spending, effortlessly.

Emma budgeting dashboard displaying spending categories and limits

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Net worth

See your true net worth in seconds

Emma brings together your everyday accounts, savings, investments, and debt, so you always know exactly where you stand.

Emma net worth chart with assets and debts

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Recurring payments

All your bills and subscriptions in one place

Track all your subscriptions and bills in one place. With Emma, you’ll always know what’s due and when, making it easier to stay prepared.

Emma list of recurring payments with bill reminders

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Groups

Track shared expenses without the hassle

Create groups, split purchases, and settle up with friends, Emma keeps everything fair and organised.

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Security & support you can trust

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Your money is protected
Emma is built with bank-grade security and powered by secure financial connections. You control how your data is used, can revoke access at any time, and never need to share sensitive login details. Your information is encrypted, private, and always in your hands.
Data privacy
Your privacy is protected by data laws, ensuring only the minimum data necessary is shared through a secure digital process. Emma will never share your information without your consent.
Tech that keeps you safe
With 256-bit TLS encryption and biometric login, your data stays secure. Authenticate easily using a password, PIN, fingerprint or face ID along with a mobile code or card reader.

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downloads: 3m+
analysed transactions: 10bn+

We are on a mission to empower millions of people to live a better and more fulfilling financial life.

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7-day free trial, cancel anytime

Get more from your finances with our paid plans

Emma Plus, Pro and Ultimate come with a plethora of benefits that will help you manage your finances.

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See what others say

I've been using Emma for years
I've been using Emma for years now and take truly transformed show I managed my money. The apps really simple to use and the recent updates have further improved the experience, offering even more features that help to organise my finances in to one place. The subscription model might not be for everyone, I find it reasonable for the xtra capabilities it unlocks. Emma continues to be a key part of my financial journey and I would recommend it to others.
Daniel JacksonNov 14, 2024
Quick, secure and peace of mind
I really like that I can search through all transactions across all my bank accounts and credit cards. I also get to see my overall financial position quickly and accurately. The Emma support team are not usually needed but on the occasions where either I've messed up or think I've found a bug, they are really helpful and pleasant.
Stuart2 Aug 2024
I abouslty love the Emma app
I abouslty love the Emma app let's me keep track of my budget, reminds me days before that a upcoming subscription or a bill needs paying on that day it's a great app to use especially if you don't want to go through all the hassle to check through your online banking or app the Emma app makes it easier to find everything you need all in one place.
Lewis RichmondOct 7, 2024
Got standard budgeting app
I tried so many budgeting apps before I found Emma more than 5 years ago, but I haven’t looked back since. It has integrations with almost every bank you could need, and they keep adding useful features regularly. The budgeting and analysis tools are excellent, it’s so useful to be able to analyse finances for entire years and see where your money is going. Honestly it’s made a huge difference to my financial life and I recommend it to anyone who will listen.
BeynonDec 1, 2024
Best family budget app
I’ve tried many different apps for family budget and Emma is clearly the most convenient to use and connect pretty much any bank on the street which was an essential requirement for me, plus you can still do offline accounts. Definitely 5 star!
VasiliyDec 8, 2024

I've been using Emma for years
I've been using Emma for years now and take truly transformed show I managed my money. The apps really simple to use and the recent updates have further improved the experience, offering even more features that help to organise my finances in to one place. The subscription model might not be for everyone, I find it reasonable for the xtra capabilities it unlocks. Emma continues to be a key part of my financial journey and I would recommend it to others.
Daniel JacksonNov 14, 2024
Quick, secure and peace of mind
I really like that I can search through all transactions across all my bank accounts and credit cards. I also get to see my overall financial position quickly and accurately. The Emma support team are not usually needed but on the occasions where either I've messed up or think I've found a bug, they are really helpful and pleasant.
Stuart2 Aug 2024
I abouslty love the Emma app
I abouslty love the Emma app let's me keep track of my budget, reminds me days before that a upcoming subscription or a bill needs paying on that day it's a great app to use especially if you don't want to go through all the hassle to check through your online banking or app the Emma app makes it easier to find everything you need all in one place.
Lewis RichmondOct 7, 2024
Got standard budgeting app
I tried so many budgeting apps before I found Emma more than 5 years ago, but I haven’t looked back since. It has integrations with almost every bank you could need, and they keep adding useful features regularly. The budgeting and analysis tools are excellent, it’s so useful to be able to analyse finances for entire years and see where your money is going. Honestly it’s made a huge difference to my financial life and I recommend it to anyone who will listen.
BeynonDec 1, 2024
Best family budget app
I’ve tried many different apps for family budget and Emma is clearly the most convenient to use and connect pretty much any bank on the street which was an essential requirement for me, plus you can still do offline accounts. Definitely 5 star!
VasiliyDec 8, 2024

Frequently asked questions

Yes! Emma is free to use 😁 You'll only be charged if you subscribe to Emma Ultimate, Emma Pro or Emma Plus - you are not subscribed to Emma Ultimate, Pro or Plus automatically.
Emma offers upgrades called Emma Ultimate, Pro or Plus, which you can purchase inside of the app. We also make money from affiliate partners. If you are interested in learning more about Emma Ultimate, Pro or Plus, please visit the link below: What is Emma Ultimate? 👑 What is Emma Pro? 🚀 What is Emma Plus? ➕
In order to use Emma, you will need to connect a checking, savings or credit card account first. If your bank is not supported by Emma, you will not be able to use the app. You can also follow us on X, Instagram or Facebook for updates!
You can use Emma on: - Android - iPhone - iPad - Web - this is currently in Beta and only available to premium customers