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Emma vs Toshl Finance: catalog facts
Emma	Toshl Finance
Freemium Free to download, with paid membership tiers for additional features.	Freemium Paid features are offered with a free trial.
Android, iOS	Android, iOS, Web
Brings several bank accounts into one budget view Tracks bills and subscriptions	Manual entry or connected accounts Left-to-spend view against a monthly budget
Requires linking bank accounts to a cloud service Some features are part of paid memberships	Data is stored with the service Some features require a paid plan
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 23, 2026

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