iPhone Screenshots


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


● See all your accounts in one place
● 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 when each outgoing went out 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 operate, 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. Someone who watches our back no matter who we are and where we come from. Emma doesn’t serve the interests of anyone. 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 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 3.1.9

Bug fixes & performance improvements.

Ratings and Reviews

4.7 out of 5
707 Ratings

707 Ratings

Erikbomb ,

You need this!

This app is crazy! To be able to aggregate all of your financial data into one place and be able to make sense of your finances is great. In today’s world everyone usually has a few credit cards, a bank account, and investments. It’s been a pain to login to every account and try to figure out how much you owe, how much money you can invest and what you still owe for the month. On top of that making a budget is needed for most people to make sure you can actually stay on track financially. This app does everything! One of the coolest features i like right off the bat is it tracks subscription services and will tell you how much you have to spend still the pay period(like bills that come up at the end of each month) and also watches to let you know if there are price increases on your auto payments! I could go on for a while trying to tell you all the features I’ve already discovered. Seriously this app is probably gonna save me hours each month not having to track everything manually. I feel like I have my own personal accountant. Download this now and try it; see how much it can help you!

Developer Response ,

Thank you very much! :)

Riverboat Phil ,

Best personal finance app out there

This is the first finance app I can honestly say I LOVE. Why? Its beautiful simplicity. I’ve tried ALL the personal finance apps out there. They all have way more features, more power, more knobs and levers... more crap you don’t need that distract from what is critically important... spending below your means. Am I on track for this pay period? Yes/no? If no, why? Emma does this perfectly. Paired with a beautiful UX that is easy to use... couldn’t be happier.

Their biggest problem is Pro... why spend money on getting all the crap you don’t need, when the lack of which makes your app so compelling? My advice to Emma... stop trying to “me too” build all the features the big dogs have. Focus on the everyday guy/gal who is living paycheck to paycheck. Rollover money when I don’t spend it all, or borrowing from the next pay period to find some extra money today. History of budgeting success. Am I getting better or worse at managing my money, etc. Make those Pro features... I’d gladly pay for those because they meet me where I’m at.

Developer Response ,

Hey Phil!

Thanks for taking the time out to review us. We really appreciate it. We hear what you're saying about Pro and we'll keep developing and readjusting so we can help you get the best out of your money

x B0B x ,

The Best Financial Application on the App Store

I’ve used them all...really. The competing apps out there just could not package everything I wanted. They were either way too granular or way too high level. Emma finds that middle ground beautifully. I’ve got all my bank accounts, credit cards, car loan and mortgage, insurance and investment products loaded. That includes large and small firms (like my local credit union). Everything is there and works beautifully. I track my transactions, monitor subscription services, set budgets (using free version which has fixed amount of stuff, vs pro which offers flexibility), etc. The few issues I’ve had, I used the chat, connected with a real person (Joel rocks!), and seen my problems fade away. Really could not be happier, and really could not recommend this app enough!!! Uninstall those others, and find Emma!


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


Emma Technologies LTD.
118.2 MB

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



Age Rating
In-App Purchases
  1. Monthly Pro Subscription $5.99
  2. Yearly Pro Subscription $59.99
  3. Emma Pro for 1 Year $29.99


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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