# Emma > Emma is a budgeting app for iOS, Android and the web, mainly for UK users. It connects bank accounts through Open Banking to track subscriptions, bills and spending and set budgets, with savings, investing and credit scores. - Canonical: https://www.anchorterminal.com/tools/emma - Markdown: https://www.anchorterminal.com/tools/emma.md (~4,800 tokens) - Slim: https://www.anchorterminal.com/tools/emma.min.md (~1,130 tokens, same facts, less prose, for token-sensitive contexts) - JSON: https://www.anchorterminal.com/tools/emma.json (this page as data, same URL with Accept: application/json) - Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt) - API: https://www.anchorterminal.com/api/v1/index.json - Updated: 2026-10-14 ## Overview **Grade F · 17.4/100 · rank #1044 of 1076 · #5 in Subscriptions, bills & personal finance · not agent-ready · not for agents · confidence medium** ## Assessment Emma tracks subscriptions, bills and budgets for UK users through Open Banking, with a free plan and public prices for paid tiers, and iOS releases about every week. There is no public API or MCP server an outside agent can call. No status page or security contact was found, and the terms forbid bots and scrapers. ## Facts | Field | Value | | --- | --- | | Vendor | Emma Technologies Ltd (https://emma-app.com) | | Kind | Platform | | Category | Subscriptions, bills & personal finance (https://www.anchorterminal.com/categories/personal-finance) | | Auth | OAuth or key · An Emma account in the app or web app. UK bank accounts connect through Open Banking with read-only access; North American accounts through Emma's "Trusted Partners" (https://emma-app.com/terms). | | Pricing | Freemium (Freemium) · Basic is free. Plus £4.99 a month or £41.99 a year, Pro £9.99 a month or £83.99 a year, Ultimate £14.99 a month or £124.99 a year, with a 7-day free trial (https://emma-app.com/plans/compare-emma-plans). Plans differ in bank logins (2 on Basic, 4 on Plus, unlimited above), transfer limits and credit-report detail. | | x402 | No · No x402, MPP or L402 on emma-app.com, its plans page, terms or llms.txt (checked 2026-10-14). | | Licence | Closed service under Emma's terms and conditions (Emma Technologies Ltd) | | llms.txt | https://emma-app.com/llms.txt | | Last release | 2026-10-12 | | Surface listed | The Emma app and web app, read from emma-app.com (home page, plans, terms, privacy policy, llms.txt), the help centre and the UK App Store listing on 14 October 2026. No account was created. | | Outside agent access | None. No public API or MCP server was found on emma-app.com or in its llms.txt. | | What it tracks | Subscriptions, bills, bank fees, budgets payday to payday, categories, net worth, credit score, plus savings pots, investing and cashback (https://emma-app.com) | | Regulation | FCA FRN 794952 (payment services) and FRN 1042167 (investment services and consumer credit); ICO registration ZA241546 | | Company | Emma Technologies Ltd, company number 10578464. The terms give 49-51 Central Street, London EC1V 8AB, and the footer Verse Building, 18 Brunswick Place, London N1 6DZ. | | Capabilities | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | | Tags | not-for-agents, hosted, official, closed-source, freemium, free-tier, ios, android, uk, llms-txt | | JSON | https://www.anchorterminal.com/api/v1/tools/emma.json | ## Score breakdown (methodology v0.4, October 2026 research run) Assessed 2026-10-14 from public evidence against the published checklist (https://www.anchorterminal.com/benchmark/#checklist). Confidence: medium. Performance and Task success pending (no score, not in the total); the total is Σ(score × weight) ÷ 80 over the 7 assessed categories. "This run" is each category's share of the 100 points. | Category | Weight | This run | Score (0–100) | Points | | --- | --- | --- | --- | --- | | Reliability | 16% | 20 | 15 | 3.0 | | Performance | 10% | pending | pending | n/a | | Schema & documentation | 13% | 16.2 | 10 | 1.6 | | Agent ergonomics | 13% | 16.2 | 0 | 0.0 | | Security & auth | 14% | 17.5 | 0 | 0.0 | | Payments & pricing | 10% | 12.5 | 30 | 3.8 | | Task success | 10% | pending | pending | n/a | | Maintenance & community | 7% | 8.8 | 54 | 4.7 | | Transparency & trust (editorial 45, provenance 53) | 7% | 8.8 | 49 | 4.3 | | Negative events | up to −15 | up to −15 | none recorded | 0 | | **Total** | | | | **17.4 → F** | ### Why each score - Reliability 15: Read with the hosted lines. No status page found, and status.emma-app.com has no DNS record (0). No readable incident history (5). No limits published and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 2017 and not labelled beta (10). - Performance: Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes. - Schema & documentation 10: Graded on the interface an outside agent can use. Emma has no API, MCP server or A2A endpoint for an outside agent, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). That is a statement about agent access, not about the app for people. emma-app.com/llms.txt describes the app, its cancellation directory and merchant lookup (10). With no agent interface there is nothing to version (0 of 15). - Agent ergonomics 0: Graded on the interface an outside agent can use. Emma has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the app for people. - Security & auth 0: Graded on the interface an outside agent can use. With none for Emma, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15), whatever the app does for its owner. The security programme line doesn't need an interface and is scored. For the record, bank access is read-only through Open Banking. emma-app.com/.well-known/security.txt returns 404, and no disclosure policy, bug bounty or certification was found; FCA and ICO registration are regulatory, not a security programme (0 of 20). - Payments & pricing 30: Read with the hosted rule. No x402, MPP or L402 (0). Public plan prices for Plus, Pro and Ultimate on the plans page (10). Basic is free, with no card needed for a free app (20). A person signs up in the app (0). - Task success: Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored. - Maintenance & community 54: Read for a closed service. iOS 6.3.4 on 12 October 2026 (30). 13 iOS versions from 22 July to 12 October (20). Release notes are all "Bug fixes & performance improvements", and the help centre has chat and email, which we didn't test (4 of 15). No MCP server or SDK (0). No package or CI to judge (0). - Transparency & trust 49: Closed service under terms naming Emma Technologies Ltd, undated (15). The privacy policy, also undated, says data may be kept up to seven years after the relationship ends and names the legal bases and key processors (18 of 30). No deprecation policy or dated notices found (2 of 20). AWS, Experian, ComplyAdvantage, TransUnion and iovation are named, with the US transfer through iovation stated; other processors by category (10 of 20). Fix list for a coding agent, everything this grade says the listing lacks, the biggest gain first (15 items): https://www.anchorterminal.com/fixes/emma.md (JSON https://www.anchorterminal.com/fixes/emma.json) ### What we couldn't check - Which aggregator Emma uses for UK Open Banking; the terms name Yapily Connect, but the privacy policy says only "Banking Partners". - Dates of the terms and privacy policy, and which registered office is current. ### Sources - home page: (seen 2026-10-14) - plans and prices: (seen 2026-10-14) - terms: (seen 2026-10-14) - privacy policy: (seen 2026-10-14) - llms.txt: (seen 2026-10-14) - help centre security article: (seen 2026-10-14) - App Store listing and version history: (seen 2026-10-14) - status subdomain DNS lookup: (seen 2026-10-14) ## Who's behind it (provenance 53/100, checked 2026-10-14) | Check | Finding | Points | | --- | --- | --- | | Legal entity named | Emma Technologies Ltd | 20/20 | | Domain age | emma-app.com, registered 2017-06-30 (9 years) | 11/15 | | Endpoint on the vendor's domain | no hosted endpoint | n/a | | Terms of service | read, states 4 of the 7 things a reader expects, and has 1 clause that costs points | 5.4/10 | | Privacy policy | read, states 6 of the 8 things a reader expects | 8.5/10 | | Status page | not found | 0/10 | | Changelog | not found | 0/10 | | security.txt | not found | 0/10 | The terms name Emma Technologies LTD, registered in England and Wales, number 10578464, governed by English law. No date was found on the terms or the privacy policy. emma-app.com/.well-known/security.txt returns 404, and status.emma-app.com has no DNS record. The registered office differs between the terms (49-51 Central Street, EC1V 8AB) and the site footer (18 Brunswick Place, N1 6DZ). RDAP gives a registration date of 2017-06-30 for emma-app.com. ### Terms and privacy, as read A reading by a fixed set of rules, each answered with the vendor's own sentence. Not legal advice. **Terms of service** (https://emma-app.com/terms), read 2026-10-14, gives no date, states 4 of the 7 things a reader expects. - To know. Restricts automated access (costs points). "6.3 You must not access the Service via a means not authorised by Emma, including, but not limited to, automated devices, scripts, bots, spiders, crawlers or scrapers (except for standard search engine technologies which are used by a search engine with Emma’s express written consent)." - Not found in the text. Gives the date it was last updated. - Names the governing law or courts. The law of the Republic of Lithuania. - Not found in the text. Says how the agreement or account can be ended. - Says how changes to the terms are announced. Says it gives notice of a change. - Not found in the text. Refers to a service level or uptime commitment. - Also in the text (2026-10-14). Users must not allow anyone else to access the Service on their behalf. "3. 2 You must not allow anyone to access the Service on your behalf." - Also in the text (2026-10-14). The Service is for domestic and private use only, and users agree not to use it for commercial, business or resale purposes. "You agree not to use the product for any commercial, business or resale purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity." - Also in the text (2026-10-14). Emma and its Trusted Partners may sell and license aggregate, non-personally identifiable information derived from use of the Service. "Our Trusted Partners and us may also use, sell, license, reproduce, distribute and disclose aggregate, non-personally identifiable information that is derived through your use of the Service." **Privacy policy** (https://emma-app.com/privacy), read 2026-10-14, gives no date, states 6 of the 8 things a reader expects. - Not found in the text. Gives the date it was last updated. - Says how long data is kept. Names a period of 30 days. - Not found in the text. Says whether personal data is sold or shared for advertising. - Gives a privacy contact. privacy@emma-app.com. - Says where data is transferred or stored. Relies on standard contractual clauses. - Also in the text (2026-10-14). Automated identity, fraud and financial crime checks can lead to account restrictions, transaction blocks or service denial. "These automated decisions can result in account restrictions, transaction blocks, service denial, or additional verification requirements." ## Probe metrics Not measured yet. Our benchmark probes haven't run, so there's no availability, latency or error rate from a run and Performance is pending. Live uptime, where we poll the endpoint, is under Live and doesn't change the score. ## Strengths - Free Basic plan, with paid tiers priced on the plans page. - 13 iOS releases between 22 July and 12 October 2026. - FCA registration numbers and an ICO registration published on the site. ## Weaknesses - No public API or MCP server an outside agent can call. - The terms forbid access by bots, scripts, crawlers or scrapers. - No status page, security.txt or disclosure policy found. - Terms and privacy policy carry no dates, and give two different registered offices. ## Before you call it (notes for agents) 1. Don't plan to call Emma from another agent. Hand the task to the person in the Emma app or web app. 2. For a one-off cancellation question, the public pages at emma-app.com/how-to-cancel can be read like any web page. ## Similar tools Ranked by shared capabilities, then score. Same-category tools with no shared capability key are listed last. | Tool | Grade | Score | Rank | Shared capabilities | x402 | Markdown | | --- | --- | --- | --- | --- | --- | --- | | Snoop | F | 26.7 | 1027 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/snoop.md | | Quicken Simplifi | F | 20.7 | 1037 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | no | https://www.anchorterminal.com/tools/quicken-simplifi.md | | Rocket Money | F | 17 | 1046 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/rocket-money.md | | Copilot Money | F | 16.3 | 1049 | finance.budgets, finance.transactions, finance.subscriptions, finance.bills | no | https://www.anchorterminal.com/tools/copilot-money.md | | PocketGuard | F | 14.6 | 1053 | finance.budgets, finance.transactions, finance.bills, finance.subscriptions | no | https://www.anchorterminal.com/tools/pocketguard.md | | Hiatus | F | 14.3 | 1054 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/hiatus.md | ## Panel reviews (0) Reviewed by the Anchor panel (https://www.anchorterminal.com/reviewers/index.md): . Desk reviews, written from public documentation, pricing, terms, source and status history on 1 October 2026. No calls made. For a desk review, the outcome says whether the reviewer's questions could be answered from public material: success, partial or failure. How reviews work: https://www.anchorterminal.com/reviews/how-it-works.md ## Notable - emma-app.com/llms.txt describes the app, a subscription cancellation directory, a merchant lookup and cashback deals, and names no API (source: ) - The terms forbid accessing the service by means not authorised by Emma, including automated devices, scripts, bots, spiders, crawlers or scrapers (source: ) - Emma Technologies Ltd is registered with the FCA under the Payment Services Regulations 2017 (FRN 794952) and authorised for investment services and consumer credit (FRN 1042167), per the footer and help centre (source: ) - The privacy policy names AWS for storage, Experian for KYC, ComplyAdvantage for screening, and TransUnion and iovation for credit scores, with transfers to the US through iovation (source: ) - A community MCP server reads Emma transaction exports from Google Sheets; it isn't Emma's and doesn't call Emma (source: ) - iOS 6.3.4 on 12 October 2026, with 13 versions from 22 July, each noted as bug fixes and performance improvements (source: ) - #5 of 10 in Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md - All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md ## Compare - [Emma vs Hiatus](https://www.anchorterminal.com/compare/emma-vs-hiatus.md): F 17.4 vs F 14.3 - [Emma vs PocketGuard](https://www.anchorterminal.com/compare/emma-vs-pocketguard.md): F 17.4 vs F 14.6 - [Emma vs Quicken Simplifi](https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.md): F 17.4 vs F 20.7 - [Emma vs Rocket Money](https://www.anchorterminal.com/compare/emma-vs-rocket-money.md): F 17.4 vs F 17 - [Emma vs ScribeUp](https://www.anchorterminal.com/compare/emma-vs-scribeup.md): F 17.4 vs F 7.9 - [Emma vs Snoop](https://www.anchorterminal.com/compare/emma-vs-snoop.md): F 17.4 vs F 26.7 - [Copilot Money vs Emma](https://www.anchorterminal.com/compare/copilot-money-vs-emma.md): F 16.3 vs F 17.4 - [Emma vs YNAB](https://www.anchorterminal.com/compare/emma-vs-ynab.md): F 17.4 vs B 65.1 - [Emma vs Plum](https://www.anchorterminal.com/compare/emma-vs-plum.md): F 17.4 vs F 27.4 ## Verify this listing For the vendor. The badge or a plain link to this page verifies the listing, from a page on emma-app.com or one of its subdomains. It shows the listing is the vendor's and that the vendor knows it's here, and it never changes a grade, rank or review. The vendor sends the page's address to `POST https://www.anchorterminal.com/api/v1/verify` as `{"slug": "emma", "url": "…"}`, or calls the `verify_listing` tool at https://www.anchorterminal.com/mcp. We fetch the page once, then again every week; two failed checks in a row and the verification lapses, and a later pass restores it. What we check: https://www.anchorterminal.com/builders/index.md#verify HTML badge: ```html Emma on Anchor Terminal ``` Markdown badge, for a README: ```markdown [![Emma on Anchor Terminal](https://www.anchorterminal.com/badges/emma.svg)](https://www.anchorterminal.com/tools/emma) ``` Plain link: ```html Emma on Anchor Terminal ``` ## Share this listing For the vendor. Sharing assets for social media, two PNGs of 1200 × 630 that say Emma is listed on Anchor Terminal, with the vendor's logo and this page's address and no grade or score. - Dark: https://www.anchorterminal.com/assets/share/emma-dark.png - Light: https://www.anchorterminal.com/assets/share/emma-light.png - Create a video and download its frames: https://www.anchorterminal.com/assets/listing-video/index.html?listing=emma