Emma TechnologiesEmma

Emma connects to most major UK banks through Open Banking and gives you a single, clean view of your money across current accounts, credit cards and savings. It automatically categorises spending, flags recurring subscriptions and wasted 'money leaks', and lets you set budgets by category. The free Basic plan is genuinely usable for everyday tracking, while the paid Plus (~£4.99/month), Pro (~£9.99/month) and Ultimate (~£14.99/month) tiers add custom categories, offline and manual accounts, bill reminders and cashback deals; annual billing cuts the cost by roughly 30% (pricing and plan terms change often, so check the current cost). It ranks above Snoop for anyone who wants deeper manual budgeting and a single dashboard across every account, though its breadth of features can feel busy at first. It is the app we'd hand to someone who has never budgeted before and wants everything in one place. Paid tiers typically come with a short free trial, so set a reminder if you don't intend to keep it.