Emma - Budget Planner Tracker

Name: Emma - Budget Planner Tracker
Rating: 4.7 (21925 reviews)
Author: Emma Technologies LTD.

Spending, Bills, Money Saving

Free · In-App Purchases · Designed for iPad

22K Ratings
Ages

4+
Years
Category

Finance
Developer

Emma Technologies LTD.
Language

EN
English
Size

171.4
MB

Meet Emma, your ultimate budgeting app Take full control of your money with Emma, the award-winning budget planner and budget tracker that helps you save money, manage bills, and invest smarter. Whether you’re budgeting for groceries, rent, or saving for your next big goal, Emma gives you all the tools to build healthier financial habits. Trusted by hundreds of thousands of users across the UK, Emma makes budgeting simple and effective. Why Choose Emma Emma combines all your bank accounts, credit cards, investments, and crypto wallets into one intuitive dashboard. You’ll always know where your money goes and how to stick to your budget with ease. Key Features Budgeting Made Easy Create unlimited budgets with custom categories, track overspending with rolling budgets, and sync your plan with your pay cycle. Emma even supports merchant-based budgets, making it the most flexible budget app in the UK. Powerful Insights & Analytics Understand your spending with interactive pie charts, cash flow timelines, and spend-over-time breakdowns. Emma helps you budget smarter by showing exactly where your money goes. Smart Budget Alerts Get real-time notifications when you’re close to your budget limits, a bill is due, or an unusual transaction occurs. Bill & Subscription Tracking Never miss a payment again. Track bills, cancel unwanted subscriptions, and free up money in your budget instantly. Smart Savings with Autosave Build your savings alongside your budget with three flexible options: • Custom Deposit: Set a recurring amount to save automatically • Round Ups: Save spare change from daily purchases • AI Saving: Let Emma calculate the perfect savings for your budget Cashback & Rewards Earn free cashback at top UK brands and stretch your budget further. Boost Your Credit Score Report your rent to Equifax, TransUnion, and Experian directly from Emma and improve your credit score while staying on budget. Personal & Business Budgeting Use Emma Spaces to manage personal and business budgets in one app, keeping everything organised. Shared Budgets Made Simple Split expenses with friends, housemates, or a partner using Emma Groups—no more awkward money chats. Track Your Net Worth Monitor assets and liabilities in real time and see how your overall budget and wealth grow. Discover Better Financial Options Compare loans, credit cards, and debt consolidation offers tailored to your budget. Invest Commission-Free Trade over 1,800 US stocks, including Apple, Meta, and NVIDIA. Capital at risk; other fees may apply. Bank-Level Security Your data is safe with Emma: * 256-bit SSL encryption * Biometric authentication * FCA-registered and ICO-compliant * Featured by BBC, Financial Times, TechCrunch, The Guardian, and more. Subscriptions Emma Plus, Pro, and Ultimate plans are available monthly or annually. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the billing period. Manage your plan directly in your Emma account settings. Prices start at £4.99/month and may vary by country. Regulatory Information Emma Technologies Ltd (Company No. 10578464) is registered with the Financial Conduct Authority (FRN 794952) under the Payment Services Regulations 2017. Appointed Representative of RiskSave Technologies Ltd (FRN 775330) Introducer Appointed Representative of Quint Group Ltd (FRN 669450) Registered with the Information Commissioner’s Office (ZA241546) Terms and Conditions: emma-app.com/terms Privacy Policy: emma-app.com/privacy Download Emma today, the UK’s favourite budget app and join thousands of users who save money, stay on budget, improve their credit score, and build financial confidence every day.

Events

SPECIAL EVENT

Extra Member Sale

Add an extra member to your Ultimate plan during this limited-time event and enjoy all premium features together.
SPECIAL EVENT

December Sharing Event

Join our December sharing challenge. Track your in-app progress as you invite friends and unlock limited-time milestones
CHALLENGE

The Advent Quiz

Play a new quiz each day from 16–26 December and test your knowledge as you count down to the holidays.

Ratings & Reviews

4.7

out of 5

22K Ratings

Couldn’t recommend this app more
24 Oct

EvydaObe
app has amazing insights, he eat UI, budgeting insights are 9/10. have been using for 3 years, i’ve tested everything out there and nothing beats this. Advice:Turn the weekly report into something more relevant e.g. instead of comparing it to the number of doritos maybe compare it to a holiday, a savings goal, or an emergency cost. don’t increase the fees you’re already pushing it

Developer Response
Thanks so much, Evyda! 💛 We really appreciate your feedback and love hearing you’ve been with us for 3 years. You’ll be happy to know we’re already working on new and improved weekly reports — coming soon!
Couldn’t recommend this app more
24 Oct

EvydaObe

app has amazing insights, he eat UI, budgeting insights are 9/10. have been using for 3 years, i’ve tested everything out there and nothing beats this. Advice:Turn the weekly report into something more relevant e.g. instead of comparing it to the number of doritos maybe compare it to a holiday, a savings goal, or an emergency cost. don’t increase the fees you’re already pushing it
Developer Response 30 Oct
Thanks so much, Evyda! 💛 We really appreciate your feedback and love hearing you’ve been with us for 3 years. You’ll be happy to know we’re already working on new and improved weekly reports — coming soon!
Amazing
9 Aug

Kratus.pt
Personally not for me BUT, I had a free trial and forgot to cancel it before renewal, after being billed nearly £90, I went and cancelled it the next day, and they automatically sent a refund to my account. Not many companies do that. Due to this I’m keeping the app on the free plan for now but may actually consider upgrading eventually.
Amazing
9 Aug

Kratus.pt

Personally not for me BUT, I had a free trial and forgot to cancel it before renewal, after being billed nearly £90, I went and cancelled it the next day, and they automatically sent a refund to my account. Not many companies do that. Due to this I’m keeping the app on the free plan for now but may actually consider upgrading eventually.
Excellent app, but expect to pay
17 Sept

Yahhay2
Excellent app. A huge amount of work has gone into this app, and the app continues to improve. This development costs money. So the app is now set up so that the most useful features are subscription only. Well worth the money in my opinion. My only real grouse I have is that you lose 5 days interest transferring funds to Emma deposit.
Excellent app, but expect to pay
17 Sept

Yahhay2

Excellent app. A huge amount of work has gone into this app, and the app continues to improve. This development costs money. So the app is now set up so that the most useful features are subscription only. Well worth the money in my opinion. My only real grouse I have is that you lose 5 days interest transferring funds to Emma deposit.
Great app
29 Nov

darling2001
I have tried most of the budget planning apps in the App Store and this is by far the best for its ease of use and great features. I have held back one star because it lacks the ability to assign regular income in the way that regular payments can be. As someone with multiple income streams on different but fixed days the app is unable to forecast accurately.
Great app
29 Nov

darling2001

I have tried most of the budget planning apps in the App Store and this is by far the best for its ease of use and great features. I have held back one star because it lacks the ability to assign regular income in the way that regular payments can be. As someone with multiple income streams on different but fixed days the app is unable to forecast accurately.

Bug fixes & performance improvements.

Version 5.9.2

16 hr ago

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, for example, on the features you use or your age. Learn More

Accessibility

Information

Provider
Size
Category
Compatibility
Languages
Age Rating
In-App Purchases
Copyright

Developer Website

Privacy Policy

Supports

Wallet

The simplest way to get all your passes in one place.

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Emma - Budget Planner Tracker

Spending, Bills, Money Saving

Events

Ratings & Reviews

What’s New

Version 5.9.2

App Privacy

Data Used to Track You

Data Linked to You

Data Not Linked to You

Accessibility

Information

Supports

Wallet

Featured In

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