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Emma vs PocketGuard: catalog facts
Emma	PocketGuard
Freemium Free to download, with paid membership tiers for additional features.	Paid Paid service that starts with a 7-day free trial.
Android, iOS	Android, iOS, Web
Brings several bank accounts into one budget view Tracks bills and subscriptions	Shows leftover money after bills and goals at a glance Tracks subscriptions, recurring bills and net worth
Requires linking bank accounts to a cloud service Some features are part of paid memberships	Needs access to your bank accounts to work well Paid after the trial
Downloadable app, Hosted service	Downloadable app, Web application, Hosted service
Closed source	Closed source
License not stated	License not stated
Account needed	Account 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 September 24, 2026

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