# Emma (slim)

> 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.

- Full: https://www.anchorterminal.com/tools/emma.md (~4,800 tokens) · this version ~1,130 tokens · JSON https://www.anchorterminal.com/tools/emma.json · canonical https://www.anchorterminal.com/tools/emma
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-14

**F · 17.4/100 · rank #1044 of 1076 · #5 in Subscriptions, bills & personal finance · not agent-ready · 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

- Kind: Platform · vendor: Emma Technologies Ltd · category: Subscriptions, bills & personal finance · legal entity: Emma Technologies Ltd · provenance 53/100
- Auth: OAuth or key · pricing: Freemium · x402: no · licence: Closed service under Emma's terms and conditions (Emma Technologies Ltd)
- Probe metrics: not measured yet (probes haven't run)
- 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.

- Scores: Reliability 15, Performance pending, Schema & documentation 10, Agent ergonomics 0, Security & auth 0, Payments & pricing 30, Task success pending, Maintenance & community 54, Transparency & trust 49 · total over the 7 assessed categories
- Why: Reliability, Read with the hosted lines. · Schema & documentation, Graded on the interface an outside agent can use. · Agent ergonomics, Graded on the interface an outside agent can use. · Security & auth, Graded on the interface an outside agent can use. · Payments & pricing, Read with the hosted rule. · Maintenance & community, Read for a closed service. · Transparency & trust, Closed service under terms naming Emma Technologies Ltd, undated (15).
- Sources: 8, open questions: 2, both in the full twin
- Capabilities: finance.subscriptions, finance.budgets, finance.bills, finance.transactions
- JSON: https://www.anchorterminal.com/api/v1/tools/emma.json
- Verify (for the vendor): the badge `https://www.anchorterminal.com/badges/emma.svg` or a link to https://www.anchorterminal.com/tools/emma from a page on emma-app.com or one of its subdomains, then `POST https://www.anchorterminal.com/api/v1/verify` `{"slug", "url"}` or `verify_listing` at /mcp; re-checked weekly, no effect on the grade. Snippets in the full twin.

## Before you call it

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

| Tool | Grade | Score | Shared capabilities | Slim |
| --- | --- | --- | --- | --- |
| Snoop | F | 26.7 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | https://www.anchorterminal.com/tools/snoop.min.md |
| Quicken Simplifi | F | 20.7 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | https://www.anchorterminal.com/tools/quicken-simplifi.min.md |
| Rocket Money | F | 17 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | https://www.anchorterminal.com/tools/rocket-money.min.md |
| Copilot Money | F | 16.3 | finance.budgets, finance.transactions, finance.subscriptions, finance.bills | https://www.anchorterminal.com/tools/copilot-money.min.md |
| PocketGuard | F | 14.6 | finance.budgets, finance.transactions, finance.bills, finance.subscriptions | https://www.anchorterminal.com/tools/pocketguard.min.md |


## Panel reviews (0, desk reviews from public material, no calls made)