Emma - Budget Planner Tracker

Emma - Budget Planner Tracker

Emma - Budget Planner Tracker

By Emma Technologies LTD.

  • Category: Finance
  • Release Date: 2017-12-15
  • Current Version: 3.0.9
  • Adult Rating: 4+
  • File Size: 109.53 MB
  • Developer: Emma Technologies LTD.
  • Compatibility: iOS 9.2+
Score: 4.73
From 684 Ratings


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. FEATURES ● 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 BANK LEVEL SECURITY ● 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. CUSTOMER REVIEWS “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.” Chris “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!” Jada “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.” Alex OUR MISSION 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. MORE FEATURES? THAT’S A PRO 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


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Good, But Irritated

So the app functionality is pretty good and syncing works well, however, if you want to add transactions manually, you have to click into checking, then click into the account, and then add a transaction. I spoke with support about this and suggested they add a floating button on the feed screen for this purpose. What did they do? Instead of adding a floating button to add transactions- they added a floating button to refer people to their app. They also have a banner in the feed, as well as other buttons. I get that they want to promote their app, but this seems to be their main goal, rather than actual good UX design and better functionality of their app. Also- I feel like you could let me know about it once and tuck it away. My finances are more important to me than promoting your app. I'm all for referring people to an app I love, but now I'm just annoyed and irritated that I paid for a subscription.
By MonsterBudgie

Does not give you the referal bonuses

The app overall is pretty great i decided to delete it because they offered a $30 referral bonus i got someone to download and now they are saying they needed to download the paid version for me to get the bonus !! Totally lame! Deleted and downloading anothet app instead.
By not nay nay

Not working out side US

As much as it is appealing and have amazing features! It cant be used out side us at all! It should have the option for manual data entry or any thing so users outside US can use it :(
By Lunar_xx

Please restore my Emma pro

I lost my Emma pro subscription recently, please restore it, otherwise I have no choice but to keep this one star review
By Zoe_Go_Blue

Pays for itself!

I was the victim of a fraud with my debit card. Someone was slowly draining my account, $28.37 here, $35.62 there. All showing as charges at a gas station in NY state. I’m in NE. Never noticed it. Within 12 hours of installing Emma, it had crawled and categorized my transactions and I immediately saw the issue. Emma saved me over $300 in fraudulent charges - actually much more because I might not have caught this otherwise. Thank you!
By MicroZealous

A Real Eye Opener!

Can’t believe how much I was spending without even knowing it!!!! Too easy to set up recurring payments. This Emma APP opened my eyes and revealed how quickly little amounts add up!!!
By Magstet

Love app, but now less usable

I dont know what happened, but my auto loan was moved from “loans” to “everyday” so i was shown a -$16000 everyday total and was freaking out. Trying to change the category doesn’t list “loans” so now my auto loan is sitting under “investments” which also gives incorrect totals for “debts”.
By N1ckesper

Love it

Great app
By sunmer76

Thanks for fixing the crash!

As a recent user, I’m liking the app and the functionality. I hope there’s less focus on emojis and more on giving the concise yet useful info. Few things I want: - instead of balances on all accounts in daily notification, I want total increase / decrease based on daily transactions - a notification every week / month describing the same - an option to compare monthly spending with previous months - Another issue is see is with how home rent payment is considered for a week and not for a month. So the app tells me “you spent X amount 3 weeks back. Good job not spending on rent in the last two weeks 🤷🏽‍♂️ BIG QUESTION: I don’t know how my data is used. Since the app is free, I was wondering who outside Emma has access to data (aggregated), analytics, intelligence, insights for ads and other purposes. I thought of signing up for Pro, assuming it’d mean zero access to third parties. But I didn’t see anything on the privacy policy/ terms / FAQ sections on the app / website.
By a non techie


I’ve never had problems with this app before but it just started crashing. I don’t understand what’s wrong. There was an update, however, that did nothing to fix the problem. Please fix the issue, i really love this app and started using it after a youtuber i watch became your sponsor.
By ka_12


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