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Emma vs Finanzguru: catalog facts
Emma	Finanzguru
Freemium Free to download, with paid membership tiers for additional features.	Free Managing accounts and contracts is free, according to the developer.
Android, iOS	Android, iOS
Brings several bank accounts into one budget view Tracks bills and subscriptions	Accounts, contracts and spending shown in one app Automatic categorization of transactions
Requires linking bank accounts to a cloud service Some features are part of paid memberships	Aimed at the German market, with a German-language interface Requires linking bank accounts to a cloud service
Downloadable app, Hosted service	Downloadable app
Closed source	Closed source
License not stated	License not stated
Account needed	Not stated if an account is needed
Needs internet	Not stated if it works offline
Official website Full listing and sources Checked September 24, 2026	Official website Full listing and sources Checked October 2, 2026

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