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Acorns vs Emma: catalog facts
Acorns	Emma
Paid Subscription plans listed on its Plans and Pricing page.	Freemium Free to download, with paid membership tiers for additional features.
Android, iOS, Web	Android, iOS
Automatic investing of spare change Retirement, brokerage and kids' accounts in one app	Brings several bank accounts into one budget view Tracks bills and subscriptions
Subscription fee applies Aimed at US users	Requires linking bank accounts to a cloud service Some features are part of paid memberships
Downloadable app, Hosted service	Downloadable app, Hosted service
Closed source	Closed source
License not stated	License not stated
Account needed	Account needed
Not stated if it works offline	Needs internet
Official website Full listing and sources Checked October 2, 2026	Official website Full listing and sources Checked September 24, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.