Emma - Budget Planner Tracker

• Free to download
• In-app purchases

Last verified 31 Jul 2026

4.7 1394 ratings · App Store

1. 5/5You 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!

   Erikbomb · 31 Jul 2026

2. 5/5Best 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.

   Riverboat Phil · 31 Jul 2026

3. 5/5The 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!

   x B0B x · 31 Jul 2026

4. 5/5Great App That Deserves More Buzz

   I’ve tried several budgeting apps (Clarity, Mint, PocketGuard, Albert, YNAB) but none gave me everything I was looking for. They either miscategorized too many transactions, were too confusing to navigate, had unsightly UI’s, couldn’t link to all my accounts, or were just too expensive. I was about to give up and just go with an Excel spreadsheet, but came across Emma and figured... I’ll try just one more app. BINGO! Emma gives me everything I want: it links to ALL my accounts-even the ones at smaller banks- with no hassles and lets me see where my money is going clearly. But my favorite feature of all is the customizable transaction categories! Fantastic! It makes a world of difference knowing EXACTLY what a transaction is! Emma should get far more attention from blogs and articles listing best budgeting apps. IMHO it’s the best out there.

   DecemberKid · 31 Jul 2026

5. 5/5Fantastic Financial Assistant

   This app is great! I love the analytics it provides for your accounts and how it provides predictions for future payments. It’s really helped me track how much I’m spending in different categories, as well as, at different merchants. The notifications from this app are also very helpful. Most apps notifications are annoying and I end up turning them off. This one provides timely budget category updates, does a weekly report to show you how you’ve spent or saved money, etc. The only thing you have to keep in mind is that this is a young app and they are still updating and perfecting it. They’ve made tons of improvements in the app since I’ve gotten it (a lot less error messages). Overall, I highly recommend this app. Extremely helpful if you set it up and use it.

   PapaGates17 · 31 Jul 2026

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