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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Emma app: budgeting overview and spending progress

Emma app home screen showing budgeting overview and spending progress

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 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.
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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.
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.

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.

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Emma app displaying connected UK bank accounts in a single dashboard

Emma app showing full budget summary with insights, bills, and income tracking

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.

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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.