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