Emma – Budget Planner Tracker

Emma tries to be a personal financial assistant in your pocket, and it does a pretty good job. Once you link the app to your bank accounts, it breaks down spending across all your services and sends daily or weekly insights to help keep you on track.

It’s especially good at highlighting hidden subscriptions and even lets you cancel most services from within the app. It also supports crypto portfolios, credit score tracking (UK and US), and budgeting tools, all in a sleek interface.

What’s great about the app is that it lets you see, in an easy-to-understand chart, where your money is actually going, and it’s even leaned into “Smart Rules” that help it predict your balance at the end of the month based on your spending habits. This will let you finally take control of your money and start saving for the future. 

If you don’t want to budget alone, the app also lets you share and sync your budget with other people.