Basic
Free
- Bank logins
- 2
- Connect up to 2 bank logins
- Track and budget money
- Earn 1.91% AER
- Invest with no trading charges
- Pay anyone instantly
Emma pricing
Personal finance app that connects bank accounts to track spending, budgets, bills, subscriptions, savings and credit score.
- Free plan
- Yes
- Paid from
- -
- Plans
- 4
- Free trial
- 7 days
What is Emma?
Emma is a personal finance app that connects bank accounts through open banking so users can see balances, spending and budgets in one place. It tracks recurring payments and subscriptions, categorises expenses, monitors net worth and offers savings pots, cashback and investment accounts. Credit score tracking and rent reporting help users build credit. It suits individuals and small business owners who want to manage everyday money, savings and investing together. Emma is sold as a membership with a free Basic plan, paid Plus, Pro and Ultimate tiers, and a 7-day free trial.
Plans and prices
Plus
-
- Exclusive cashback deals
- Bill reminders
- Know money left at month end
Pro
-
- Custom categories
- Offline accounts
- Smart rules
- Track net worth over time
Ultimate
-
- Connect business accounts
- Use Spaces for personal, business, joint accounts
Prices in GBP, as shown by emma-app.com. Source: pricing page. Last checked October 30, 2026.
Not sure which Emma plan fits? Talk it through with your AI agent
Copy the prompt below and paste it into the agent you already use. It has the plans and prices from this page and asks you the right questions first.
See the prompt
I want to decide whether Emma (emma-app.com) is the right tool and which plan to pick. Below is what the StableMRR pricing directory read from Emma's own pricing page (last checked 2026-10-30). It can be out of date, so treat it as a starting point. Category: Fintech / Banking and finance What it does: Personal finance app that connects bank accounts to track spending, budgets, bills, subscriptions, savings and credit score. Free trial: 7 days Plans: - Basic: Free. Limits: Bank logins 2. Includes: Connect up to 2 bank logins, Track and budget money, Earn 1.91% AER, Invest with no trading charges, Pay anyone instantly - Plus: -. Includes: Exclusive cashback deals, Bill reminders, Know money left at month end - Pro: -. Includes: Custom categories, Offline accounts, Smart rules, Track net worth over time - Ultimate: -. Includes: Connect business accounts, Use Spaces for personal, business, joint accounts Alternatives in the directory: 21bitcoin, ADM Guard, Acorns, Agentic Traders Pricing page: https://emma-app.com/plans/emma-basic Directory listing: https://stablemrr.com/p/emma-app-com First ask me three short questions about my team size, budget and what I need it for. Then recommend one plan, tell me what could make it a bad fit, and compare it with the alternatives. Finish with what I should check on the vendor's site before I pay.
Pricing facts
- Pricing model
- Freemium
About Emma
- Headquarters
- United Kingdom
- Platforms
- ios, android
- Integrations
- Equifax, Experian, TransUnion
Features
- Account aggregation
- Recurring payments
- Budgeting
- Analytics
- Net worth
- Pay Emma groups
- Cash ISA Pot
- Easy Access Pot
- 45-Day Notice Pot
- Cashback
- General Investment Account
- Stocks & Shares ISA
- Junior ISA
- SIPP
- Funds
- Crypto
- Credit score & report
- Rent reporting
Price history
No price changes recorded since we started tracking on October 30, 2026.
Alternatives to Emma
| Product | Category | Free plan | Paid from | Plans | Checked |
|---|---|---|---|---|---|
| 21bitcoinApp to buy, save and self-custody Bitcoin with a German bank account and regulated custody. | Banking and finance | No | - | 5 | Oct 29, 2026 |
| ADM GuardCompliance platform for registering automated decision-making systems and producing audit trails for Australian Privacy Act APP 1.7 to 1.9. | Banking and finance | No | A$99/mo | 4 | Oct 29, 2026 |
| AcornsA financial wellness app that automates saving, investing, banking, and family money management. | Banking and finance | No | $4/mo | 3 | Oct 29, 2026 |
| Agentic TradersAI trading platform where users describe a strategy in plain English and an AI agent trades crypto, forex, stocks and commodities. | Banking and finance | Yes | $19/mo | 3 | Oct 29, 2026 |
| AngelListPlatform for venture fund administration, investor management, and private market investing. | Banking and finance | No | - | 2 | Oct 29, 2026 |
Newsletter
Get a note when Emma or its alternatives change their prices
Price changes and new tools, once or twice a month. No pitches, unsubscribe in one click.
How this page was made. Plans and prices are read automatically from emma-app.com's public pricing page, checked against the page text, and re-checked about every week. Method. Something wrong? Tell us.