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Toshl Finance vs Emma: catalog facts
Toshl Finance	Emma
Freemium Paid features are offered with a free trial.	Freemium Free to download, with paid membership tiers for additional features.
Android, iOS, Web	Android, iOS
Manual entry or connected accounts Left-to-spend view against a monthly budget	Brings several bank accounts into one budget view Tracks bills and subscriptions
Data is stored with the service Some features require a paid plan	Requires linking bank accounts to a cloud service Some features are part of paid memberships
Downloadable app, Web application, Hosted service	Downloadable app, Hosted service
Closed source	Closed source
License not stated	License not stated
Account needed	Account needed
Not stated if it works offline	Needs internet
Official website Full listing and sources Checked September 23, 2026	Official website Full listing and sources Checked September 24, 2026

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