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Emma vs YNAB: catalog facts
Emma	YNAB
Freemium Free to download, with paid membership tiers for additional features.	Paid Paid subscription with a free trial that needs no credit card.
Android, iOS	Android, iOS, Web
Brings several bank accounts into one budget view Tracks bills and subscriptions	Clear zero-based budgeting method Free trial without a credit card
Requires linking bank accounts to a cloud service Some features are part of paid memberships	Subscription required after the trial Method takes active effort to keep up
Downloadable app, Hosted service	Downloadable app, 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.