Emma - Budget Planner Tracker

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 is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 (FRN 794952). Emma Technologies Ltd is authorised and regulated by the Financial Conduct Authority (FRN 1042167) for investment services and consumer credit activities, including credit broking and credit information services. Emma Technologies Ltd acts as a credit broker, not a lender, and may receive a commission from lenders for introducing you to them.

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.