iPhone Screenshots


Emma is a personal finance and budgeting tool that helps you avoid overdrafts, cancel wasteful subscriptions, track expenses and save money. Our data shows Emma can save you up to £600 every year! Our finance app use state of the art technology to analyse your accounts and give you the power to make smarter budgeting decisions with your money.


● See all your accounts in one place
● Track your spending & expenses
● Find and cancel wasteful subscriptions
● Set budgets and track paydays
● Avoid overdrafts fees
● Plan debt repayments
● Save money every month


● 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.
● The app uses TouchID fingerprint authentication for added privacy and security.
● Emma does not store your online banking credentials.


“I love this app. I used a Google Sheet until now and had to manually track everything by loading up 3 different banking apps. This does it all and it's so flexible; I've not had to change how I do my home accounting / budgeting.”

“I love Emma! I was searching for a good app to help me keep track of my 1. Transactions, 2. Debt and 3. Bills and Subscriptions. Emma does all that and more. It's aesthetically pleasing, easy to understand, and best of all free!”

“Amazing detailed finance analysis tool. Perfect to spot bad spending habits. I tried yolt and moneydashboard, and this is the app to keep, better than the other 2 by miles.”


We believe anyone deserves a financial advocate to help with money management and budgeting. Someone who watches our back no matter who we are and where we come from. We think we can provide a great experience, which relies on a basic principle, caring about our customers’ financial well being. This is who we are and what we stand for.

We have received amazing feedback from the finance community and have been recommended by Forbes, Financial Times, Politico, The Sunday Times and CITY A.M.


Upgrade to Emma Pro for access to premium features, including:
● Custom categories and unlimited budgeting, so you can track your finances like a ninja
● Rename transactions to edit how your transactions should look like
● Export data to understand your finances on excel
● Create manual Accounts to manage your cash expenses and any other accounts you might have
● Split your transactions into multiple categories for more flexibility
● Unlock our Legendary Pro Icon, because you are a Pro


If you choose to purchase Emma Pro, 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 may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase. Current Emma Pro subscription price starts at £4.99 GBP/month, and one-month, 6-month and 12-month packages are 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 Pro, you can simply continue using Emma for free.

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

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 3.0.7

Bug fixes & performance improvements.

Ratings and Reviews

4.7 out of 5
4.3K Ratings

4.3K Ratings

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! 💪

Logikzzz beast mode ,

Great app, one critique.

Switched from Yolt to Emma when I searched for a Uk based app after some.. interesting.. privacy tactics by Yolt.

Emma’s functionality is great and simple to use.

I now pay for the pro version, £5 per month at time of writing, solely so that I can make and rename my own spending categories, the rest of the pro benefits I personally haven’t found a use for but still consider it worthwhile and to support the app.

One critique id make, that should be an easy add-in if someone from Emma is reading - there is only one ‘excluded’ spending category that isn’t factored into the spending analytics. It would be much more useful to be able to set your own custom categories or the pre set categories as excluded if you don’t consider those part of your budget but need to be able to see the transactions at a glance. For example I use a category to track my business expenses I need to reclaim, so that all the transactions are in one place and not mixed in with other excluded transactions like bank transfers between my accounts, but the business expense total ends up going into the analytics which constantly then flags as over my total budget. I can obviously do the maths to see where i really am at my budget but it would be more helpful if the at a glance budget number could take it into account already.

Great app overall.

Developer Response ,

Hi Logikzzz,

This a really interesting idea and I can see especially for your use case, it'd be super useful. I'll make the suggestion to the team so they can consider it

dolf1n ,

Great app let down by budget visuals

I have taken out the annual subscription for the Emma App. The app takes a little while to get used to from cold. It looks like it has a strong backend. I find the automatic budget function great and easy to use and set up. I do believe there is always room for improvement.

The budget should be clearer graphically. The colours could be bolder to it is visually see when you are going to go over budget or not. I have no doubt this app is going to go on to be a great success.

Tweaks to areas that would definitely cause me to resubscribe are: The option to have a home page, with a view of your own choice. My priority as a user when opening the app is to see where my money is going and whether I am within my budget or not. It is not read about playing a quiz. I know petty but that is a user view that I am sure others share. The look and feel also comes across as targeting people in their late teens or twenty’s and this should be aimed at all demographics, as it is a very good app which imho is let down by not coming across as serious, to those who take their money seriously.

Developer Response ,

Hi dolf1n,

the app is free, so no need to subscribe/unsubscribe, and the quiz can be deactivated in the Settings view, if you don't like it. :) Thanks for your valuable feedback.


Yearly Pro Subscription
Full access to all the features of Emma Pro.
Free Trial


Emma Technologies LTD.
110.7 MB

Requires iOS 9.2 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating
In-App Purchases
  1. Monthly Pro Subscription £4.99
  2. Yearly Pro Subscription £59.99
  3. Emma Pro for 1 Year £29.99


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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