Emma - Budget Planner Tracker
August 17, 2024
More About Emma - Budget Planner Tracker
● Find and track your subscriptions
● Set budgets
● Weekly reports
● Analyze your spending & expenses
● Daily balance notifications
● Overdraft alerts
BANK LEVEL SECURITY
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.
CUSTOMER REVIEWS
“This app is amazing! I used to manually track my expenses using a notepad or a spreadsheet but always used to make mistakes and never found time to update it. This fixes all my budgeting issues and saves me so much time as well as money!”
Sarah
“I love the fact that I can do everything within this one app. I mainly use it for tracking my expenses but have also started using it to instantly send/receive payments which makes things super easy. Also, the money I’ve saved from using this app is used to invest in my favorite companies using the investment feature!”
Mike
OUR MISSION
We believe everyone 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 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 featured in Forbes, Financial Times, Politico, The Sunday Times and CITY A.M.
MORE FEATURES? GO PLUS, PRO OR ULTIMATE
We have 3 subscription upgrades available in Emma to power charge your finances. Here’s what is available in each subscription upgrade:
Emma Plus
True Balance - preemptively see the balance of your bank account after your subscriptions are removed
Fraud Detection - find out whether your personal details have been part of a known data breach
Bill Reminders - get reminded about your upcoming bills so you never miss a payment
Cashback - get cashback from your favorite brands
Emma Pro
All the features in Emma Plus
Custom categories - so you can customize your finances to your heart's content
Rename transactions - for easier reference
Export data - to understand your finances on excel
Create Offline Accounts - to manage your cash expenses and any accounts you can’t link to Emma
Create Smart Rules - to automate your Offline Accounts. Look, no hands!
Split your transactions - into multiple categories for more flexibility
Legendary Pro Icon - because you are a Pro
Emma Ultimate
All the features in Emma Plus & Pro
Spaces - group together different accounts to see separated analytics and budgets
Ultimate Icon - so you can show them who's boss
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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 CAD/USD/month with 1-month and 12-month packages available. Prices 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.
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
Company Registration Number: 10578464.
Terms and Conditions: https://emma-app.com/terms
Privacy Policy: https://emma-app.com/privacy
Latest Version
1.22.8
August 17, 2024
Emma Technologies LTD.
Finance
Android
580,029
Free
com.emmaprod
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User Reviews
A Google user
5 years ago
This has been a great app for me so far! When Mint stopped syncing to my account, Emma did a great job. The analytics are pretty nice (although I always could use some more graphs), and it's really easy to establish and change budgeting categories. I love the subscription tracker too. This should hopefully save me some money! Well done.
Lucas Buffington
5 years ago
Wow! I'm new to budgeting since I recently turned 18 and now have my own accounts for checking, credit, and investing. I've been trying all sorts of apps, but now I think I've found the best app. The app is simple, beautiful, and useful; I love the ability to see how much you've spent at certain stores over time, to see how much I waste! The app is organized and easy to navigate, and the important information is easy to see. Only downside is I couldn't find a way to see credit score in the app.
Stephanie Leon
5 years ago
This colorful (yaassss!), fun financial app has saved my bacon at least a few times! I bought the premium yearly subscription on sale two weeks into using it, because it was easily worth it! My favorite feature so far is that it will tell you if it thinks your bank account could go in the negative (from an upcoming subscription payment before your next payday, for example), and that you should add some money to it. I'm also in the top 7% of spenders on Emma at Chick-fil-A, apparently. 😬😆
Celsea Noonan
3 years ago
I want to love this app but it has problems with updating my numbers. I've had this for a little over a year. I'm on my 2nd subscription. Like I said I want to love it but it is so frustrating when my accounts aren't updating even when it says it is. I hit refresh over and over and some times the only way I can get it to update is to completely remove the account and add again. Which is a process. Please fix this.
Angela Barrett
5 years ago
Cash on hand vs liabilities nope! The AI is automatically excluding a monthly credit card payment from the analytics & from my committed spending in error and they can't seem to fix it. I have two credit cards I am carrying a balance on & the rest of them I pay off each month. The app only excludes my payment for one of those cards from the analytics & not the other. It's also incorrectly reporting a payment to one account as from a different account can't fix that either after 4 days. It Sucks
Andi Kemberling
4 years ago
I downloaded and deleted MANY budgeting apps before keeping this one. It's the only one that does what I need, plus it exceeds my expectations in ease and customization. I love that you can set up recurring payments, see a history of one merchant, batch edit transactions, and so much more! The tags are pretty cool too. And it's actually reasonably priced. So worth the cost for convenience. I'm also able to have my husband signed into my account on his phone with his own pin/fingerprint.
A Google user
5 years ago
It is an OK app. It is manageable and does what it says. It however, just doesn't budget quite like I was envisioning. Maybe over time it will get some adjustments that make it less of a having to make adjustments to categories, etc. And more of a just knows how you spend money by doing more analysis of your purchases and such. Maybe it can make suggestions on which bills to pay now in order to save money or some other types of adjustments to your habits etc.
A Google user
6 years ago
Interesting app for keeping most of your finances in one place and managing them easier. I like how my balances with multiple financial institutions are right there so that I don't have to login separately. It would be cool if the app was funnier like insulting our spending habits. More trivia would be cool too. The only thing I'm not fond of is that my auto loan provider, Foursight Capital LLC, isn't listed, so I can't keep track of that. Otherwise, the app is useful to me and I'll keep using.
Celsea Noonan
3 years ago
Syncing (rarely works when I want) and customer service is terrible, they are rarely available and email days later! I definitely wanted to like this, especially since I paid $60 but I decided to finally make a switch to a new budgeting app. Also categories, not sure what the point of creating a category and then labeling things because it doesn't do it for future charges. It will make me manually change them again. Very frustrating.
Lila Werner
2 years ago
The app does not sync with my bank account for weeks at a time, rendering the amount shown in each of my accounts absolutely useless since it is not accurate. I end up checking each of my accounts manually to get the accurate balance since it is not reflected in the Emma app. This is frustrating considering I am paying for the most expensive subscription and it was marketed in a way that made it seem like the syncing was better than the free version. It is not.
Griffin Malone
2 years ago
I mean still a good app, but forced to pay a subscription if you have more than two accounts which makes freenplan virtually useless. Super dissapointing. If every feature when I used it worked I'd pay, but the tracking of overall accounts never seemed correct, and it wouldn't categorize very well, I couldn't bulk edit or setup rules. I used it only for an accounts total and to pay 80 a year for that is ridiculous. Create a tiered system and u might keep some more people. Hope it's worth it.
A Google user
5 years ago
After trying an exhausting number of budgeting app, both paid and free, I found Emma to best fit my budgeting needs. Most apps have multiple issues that make the experience less than favorable. With Emma, even though it's a bit pricey, it performs better than the rest I've tried. I do wish there were more graphs and exportable reports. Otherwise its great for me...
Dylan Kirkby
5 years ago
So far, this app has been amazing! Refreshingly well -designed and reliable coming from mint. The app and features have worked really well! I've had a lot of issues with the data integrations unfortunately, Rogers bank was failing for ages and now isn't available, discover isn't available at all, and questrade needs me to re-login every time.
Eric Qian
2 years ago
It really hurts to say this as I've been an avid user of this app. However, the developers has now severely crippled the Free & Plus plan with limited accounts. To sync more than 4 account, you now need to pay more than $120 a year! Unfortunately, this just makes this app way more expensive than alternatives on the market. Can't stay with the app even if I like it better than the others ones. I'm on a budget afterall, therefore needing to trim excessive/nice to have spendings :)
Zak Riggin
4 years ago
I like where it's headed, but still fairly new and I can't use all the features to its full extent because of it. Can't connect my schwab bank account for some reason through plaid, cant connect my venmo/cash app accounts (used for a credit card, and fractional investing, and split bills with roommate which would show income), and only mobile access (no desktop/web app). Subscription fee seemed a bit steep as well at 89 a year (unless you get their 1 year off promo dropping it to 29 a year)
Caleb Massengill
4 years ago
I've been looking for a better app for customization of my budget and automatic linking of account transactions. This app takes the cake for these categories! Not only can you customize budgets and transactions, but Emma will also automatically put the transactions into the budget it's meant for, so you just have to occasionally correct it! This is very different from EveryDollar, which is significantly more expensive and forces you to manually place each transaction in a budget.
A Google user
6 years ago
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 asthetically pleasing, easy to understand and operate, and best of all free! Only reason it's not a 5 star is because it doesn't update my transactions as often as I'd like, but even that's gotten better with time. It' a great tool for me, a recent college graduate, to help my take charge of my finances. This + Dave Ramsey. 👌🏽💸
Elgin Jr.
5 years ago
I've used this since pre-launch. Got Emma pro via referrals. Liked it initally so purhcased a yearly subscription. Now however NOTHING is syncing properly. I've had back to back issues when viewing my analytics reports, having my bank sync & accurate information being shown. To say I'm upset is a drastic understatement!! There are far better apps on the market that don't try and swindle you out of your $$$ to keep track of your spending. Want a refund on my yearly subscription at this point..
TheDirtyGunman
5 years ago
A lot of good things in this app. I wish there was a way to add a payment without having to use a previous transaction though. I pay rent with a money order every month, so it gets lumped in with grocery spending rather than committed spending. I can't really separate it without making every purchase from that store a recurring payment. I also work at that store and spend money there roughly everyday so that further complicates things. Paychecks, groceries and rent payment from 1 place.
Monty A.
2 years ago
I've been a loyal Emma user for years, supporting and advocating for the app. I've referred many friends to join and appreciated how the app streamlined my finances in one place. However, the recent push to impose a mandatory subscription plan doesn't sit well with me. I understand the need to cover development costs, but charging for syncing multiple accounts alone would be more reasonable. Why force unnecessary features and a subscription price that doesn't align with basic user expectation?
