Emma - Budget Planner Tracker 4+

Spending, Bills, Money Saving

Emma Technologies LTD.

    • Free
    • Offers In-App Purchases

iPhone Screenshots


Meet Emma, your financial super app


● All your accounts in one place
● Set budgets & track spending: unlimited budgets, custom categories, rolling budgets, merchant budgets, split transactions, you name it. Emma is the ultimate budgeting app.
● Report your rent payments to Equifax, Experian and TransUnion to improve your credit history
● Find and track your subscriptions
● Earn up to 3.66% AER on Easy Access Pots - FSCS Protected
● Make money while shopping by earning cashback
● Invest in US Stocks commission-free. Capital at risk, other charges apply.

Emma can also help you:

● Set bill reminders to never miss a payment again
● View your balance after bills
● Sync your budget payday to payday
● Receive real-time notifications to avoid low balances and overdrafts
● Protect your Identity with our Fraud Detection feature
● Track your net worth to improve your financial health
● Manage your shared expenses with a partner with Emma Groups or Spaces
● Track business accounts
● Pay friends and family
● Discover the best loans for you

Discover all Emma’s features in the app!


Worried about sharing your data? We hear you.

● Emma uses SSL 256-bit encryption - the same security protocol that banks use - to ensure that your sensitive, personal information is fully encrypted and securely stored.

● Emma uses biometric security authentication for an added level of protection.

● Regulated by the Financial Conduct Authority (FCA).

● Registered with the Information Commissioner’s Office (ICO).

● Featured in Financial Times, The Guardian, iTV, Techcrunch and many more media outlets!


If you choose to purchase Emma Plus, Emma Pro or Emma Ultimate, payment will be charged to your iTunes account, and your account will be charged for renewal within 24-hours prior to the end of the current period. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Subscriptions are managed by the user and auto-renewal may be turned off by going to the user's Apple ID. Emma subscription prices start at £4.99 GBP/month with 1-month and 12-month packages available. Prices are in UK sterling, may vary in countries other than the UK and are subject to change without notice. No cancellation of the current subscription is allowed during the active subscription period. If you don’t choose to purchase Emma Plus, Emma or Emma Ultimate, you can simply continue using Emma for free.

Loan information

Loan terms: 1 to 25 years
APR: from 3.9% to 99.9%
Representative Example: Borrowing £10,000 over 60 months with monthly repayments of £232.53. The total amount repayable will be £13,951.80. Representative 14.9% APR, annual interest rate (fixed) 13.97%.

Emma Technologies LTD is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment services. Reference no. 794952

Emma Technologies LTD is an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 775330).

Emma Technologies LTD is an Introducer Appointed Representative of Quint Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 669450).

We are also registered with the Information Commissioner's Office in compliance with the Data Protection Act 1998. Data Protection Registration Number: ZA241546.

Company Registration Number: 10578464.

Terms and Conditions: https://emma-app.com/terms
Privacy Policy: https://emma-app.com/privacy

What’s New

Version 5.1.1

Bug fixes & performance improvements.

Ratings and Reviews

4.7 out of 5
14.9K Ratings

14.9K Ratings

mccollal ,

Love it!

I am really enjoying this app. I am someone who spends too much time thinking and planning my budget on paper, across excel sheets and monitoring multiple accounts. My method was so complicated only I understood it and trying to explain it to my spouse was impossible. This app puts a large portion on that information in one place in a user friendly format that my spouse doesn't need a codex to decipher. I do have some suggestions that would improve this amazing app even more. Planning ahead is a big part of my budget task. It would be great if you could plan your weekly/monthly budgets ahead of time in the analytics section. Being able to input my planned budget for each category 8 weeks/2months ahead would be a game changer as i currently still have to write these plans out on paper and then input these into the app when the cycle refreshes. Paying of debt is my first motivation behind my financial planning. It would be incredible to see some kind of debt tracker in the app. Having something that can show my debt decreasing (hopefully) over time would be really motivating and if its increasing, helping to understand where im going wrong.

Also, i use Monese bank as my primary spending account. Would be great to be able to live sync that account. Monese is currently not an option

gje2403 ,

Success Story! Emma got me there!

Emma has helped me be smarter with money and ultimately help me with achieving goals which before seemed really daunting and in some instances unachievable. The app is so well presented and intuitive it really helped me dial down into my finances and get a better understanding of my spending habits, and allow me to keep on track with budgets and spending habits, all of which is controlled inside the app.

Through doing this, i was able to monitor my spending, get notifications when i was doing well or spending too much, and this all led to me be able to make a massive step forward in my life and me and my partner were able to save enough for a deposit and we’re able to buy our first house. This is all down the the functionality and features that emma has inside the app, and without this i think it would have taken so much longer that what it did when using emma

Thank you emma team, you really helped me better my life through using this app! 😊

Developer Response ,

Thanks for the review! We're really happy to hear that Emma has helped you get your financial life back under control! 💪

benlhope ,

Bad after update

This app was so good. I used to use it daily and I felt in control of my money. The recent update to v3 has been terrible. A lot of the basic functionality has been lost. It’s just a basic budgeting tool now, you set up categories and it adds transactions at random to them (and doesn’t take into account pending transactions). Best feature was pulling all your accounts/transactions together and giving you a “global” view but it doesn’t do this properly anymore. I wouldn’t recommend.

In response to the unhelpful reply from the developer. I am not saying features have been removed but functionality has. Pending transactions used to appear in category totals on an analysis tab before the update. This tab now doesn’t exist (this is even clear from the new screenshots) and pending transactions aren’t included in the budget totals anymore. This isn’t helpful for giving an accurate total as sometimes it takes a few days for these to finalise. You used to be able to see account balances on the main page of the app, these are now hidden a few clicks away. Most useless feature of being able to set up transfers within the app now has its own tab though. Please look at the other reviews I’m not alone in thinking this. Going in the chat isn’t going to being this stuff back.

I wouldn’t recommend anyone download this app in its current form.

Developer Response ,

Hi benlhope, we're sorry to hear you're not enjoying the latest design of Emma. In regards to pending transactions, the way these interact with your budget have not changed - in both designs of Emma, pending transactions were not counted towards your spending until they became non-pending. If you're instead referencing the Committed Spending feature that shows you upcoming subscriptions and counts them towards your budget before they're charged, this feature remains - you can find this under 'This Month' or 'This Period' on your Feed tab.

App Privacy

The developer, Emma Technologies LTD., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data
  • Diagnostics

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Contacts

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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