Alternatives to Emma
A budgeting app that connects your bank accounts to track spending, bills, subscriptions and savings. The listings below can replace it for an important use case. Each note says what changes if you switch.
The original
Emma
A budgeting app that connects your bank accounts to track spending, bills, subscriptions and savings.
Replacements
Listings that take over the same core job as Emma.
Rocket Money
A budgeting app that finds your subscriptions, helps cancel them and tracks monthly spending.
Rocket Money also finds and tracks subscriptions and can cancel unwanted services for you, with web, Android and iOS apps, though its paid features are not detailed.
Monarch Money
A subscription money app that connects your accounts to track spending, budgets, net worth and goals.
Monarch Money requires a paid subscription but adds a web app, net worth and goal tracking, and free shared access for a partner or adviser.
PocketGuard
A budgeting app that links your accounts and shows what is left to spend after bills.
PocketGuard is paid after the trial and shows money left after bills and goals, with a debt payoff planner and apps on web, iOS and Android.
YNAB
A subscription budgeting app built around zero-based budgeting, where every dollar is assigned a job.
YNAB replaces Emma's spending overview with a hands-on zero-based budgeting method, requires a subscription after the trial and runs on web, Android and iOS.
Wallet by BudgetBakers
A personal and family finance app for expense tracking, budgeting and bank synchronization on web and Android.
Wallet by BudgetBakers offers bank sync across more than 15,000 connections in 50 languages, running on web and Android but with no iOS app listed.
Toshl Finance
An expense tracker and budget app for Android, iOS and the web with multi-currency support.
Toshl Finance supports manual entry or connected accounts with multi-currency tracking and a left-to-spend view against a monthly budget, on Android, iOS and the web.
Buxfer
An online money manager for budgeting, forecasting, investment tracking and retirement planning.
Buxfer connects to banks in over 70 countries and adds forecasting, investment tracking and retirement planning, with a web app alongside Android and iOS.
Spendee
A money manager app for tracking income and expenses, setting budgets and reviewing spending habits.
Spendee is an Android-only money manager with category budgets and shared wallets for joint expenses, and its listing does not mention bank linking.
Also worth comparing
These listings name Emma as their own alternative, so the relationship runs both ways.
Wallos
Self-hosted tracker for subscriptions and recurring bills.
Emma tracks bills and subscriptions across connected bank accounts on Android and iOS, aimed at UK users, with data held in the cloud instead of on your server.
Similar software
Related functionality, not a direct replacement.
Honeydue
A mobile finance app for couples to track shared money, bills and expenses together.
Credit Karma
Free web service and mobile app for checking credit scores and reports and tracking spending.
Splitwise
An app for splitting shared bills and tracking who owes whom among friends, housemates and groups.
Finary
A wealth-tracking app that combines investments, crypto, savings and budget into one net-worth view.
