Money-tracking app · alternative
The private Emma alternative.
Emma reads your bank data to help you budget. is the alternative for running a business, and it does the opposite on privacy: it’s local-first, and what you encrypt, it genuinely cannot read.
Where Emma wins
Emma is a slick personal-finance app that aggregates accounts, finds subscriptions and helps you budget.
Where wins
is a private business OS, not a personal budgeter. Where Emma reads your bank data to work, can be end-to-end encrypted, so we cannot read it at all.
| Feature | Emma | |
|---|---|---|
| Runs a business (invoices, profit, stock) | ✓ | ✗ |
| End-to-end encryption | ✓ | ✗ |
| Reads your bank data to work | Only if you choose | ✓ |
| Personal budgeting focus | Lighter | ✓ |
| Starting price | Free · £6.99/mo | Free · paid |
Which one is right for you
Pick Emma if…
You want a personal-finance budgeting app that aggregates your accounts.
Pick if…
You want to run a business privately, with a tool that cannot read what you encrypt.
Is a budgeting app like Emma?
No, it is a business app. It tracks your business money and profit, privately.
Can read my data like Emma does?
No. Turn on end-to-end encryption and even we cannot read it.