Discover why PocketSmith is your ideal alternative to Emma

Experience familiar features from the Emma app and embrace even more with PocketSmith. Elevate your budgeting and financial planning to new heights with our versatile dashboards and a suite of reporting tools. Dive into detailed spending trends, manage your income and expenses with precision, and explore the convenience of calendar budgeting. Keep an eye on your net worth and effortlessly track multiple currencies. PocketSmith also serves as your secure digital vault for important household documents like insurance papers, warranties, and receipts – a comprehensive money dashboard at your fingertips.

We’re a team of people just like you, and we're dedicated to supporting every Emma user transitioning to PocketSmith. We invite you to join us and advance your money management journey with a budgeting app that's more than just an alternative – it's a significant upgrade!

We're open banking compliant

We've partnered with data provider Salt Edge to connect you with PSD2-compliant open banking feeds for all major institutions across England, Scotland, Wales, Northern Ireland and the EU.

Founded in 2008 and independent

PocketSmith is privately owned and funded only by customer subscriptions so you are the centre of our world. PocketSmith is stable, profitable and here to stay. Here’s a bit more about us.

Exceptional customer support

We're highly responsive and care about helping you be in control of your money. If you need a little help or just want to learn more, please get in touch — we’ll get right back to you.

Your info is safe and secure

Your data is safe with us. It's encrypted in transit and at rest, and you're not required to share personally-identifying information with us. Read more about our security practices.

Active development

Since 2008, we've been working on creating the world's best personal finance tool. We pride ourselves on constant improvement and iteration. You won't see any stagnation around here. Check out our product history

No advertisements. Ever.

Some free personal finance apps in the UK advertise to you, making you their product. The PocketSmith experience is about you and your money, you will not be sold other products along the way.

Ready to take control of your
financial future?


What people are saying

"This software is currently unparalleled. This software and the team behind it are doing something that literally helps people see into the future on a day-by-day basis, which was critical for me as a struggling college student." See more...

I love PocketSmith because you can tailor it in a way that makes sense to you. It caters to both the 'numbers geeks' and the 'just tell me if I'm winning or losing' crowd.

Ruth, New Zealand

Great product, been using it for years. The best feature is the forecast calendar.

Nick Mann UK

Ready to take control of your
financial future?


The best Emma alternative for the UK

PocketSmith: Your top alternative to Emma.

Embark on your new financial journey with PocketSmith, offering more than what you admired in apps like Money Dashboard and Emma.

Customised Visualisation for Your Financial Path: In PocketSmith, we redefine financial visualisation. Create custom dashboards perfectly aligned with your financial objectives. Embrace a range of visual tools, from dynamic graphs to innovative calendar-based planning, designed to spotlight the insights crucial to you. This goes beyond traditional money management apps, offering clarity and focus on your financial health.

Comprehensive Reporting for In-Depth Understanding: Gain a clearer picture of your finances with PocketSmith. Receive a detailed personal income and expense statement, a feature extending beyond what you've found in budgeting apps like Emma. Stay updated on your net worth and manage international accounts effortlessly with real-time currency conversions. PocketSmith steps up where others like Money Dashboard or Emma leave off, providing you with a more complete financial overview.

Detailed Transaction Management: Organise your transactions more intuitively than ever. PocketSmith introduces customisable, nestable categories, along with handy labels, notes, and attachments for meticulous tracking. Our advanced Transactions page boasts a powerful search function, simplifying finding and filtering. If you're seeking an alternative to Emma or Money Dashboard, PocketSmith offers unparalleled control and efficiency. 

Flexible, Empowering Budgeting: Experience budgeting that adapts to your life with PocketSmith. Choose from various budgeting periods and enjoy the convenience of rollover budgeting. Share your financial progress with a partner or advisor through Advisor Access. PocketSmith isn’t just another money app; it’s a collaborative platform for effective financial management, a step above competitors like Emma and Money Dashboard.

PocketSmith is here to stay.

PocketSmith has been an innovator in the fintech world since 2008 and is still proudly independent and self-funded. Our only source of revenue is our customer subscriptions, and we are a stable, profitable company with no investors telling us what to do — our customers are at the centre of everything we do.

At PocketSmith, we make money from your subscription, not your data. We will never sell your data or advertise to you.

Free apps like Money Dashboard have made the user their product, selling real-time information to their market research clients. That doesn't vibe with our values — our users' data is sacred to us.

You ask, we answer

Does PocketSmith connect to all Emma supported banks?

PocketSmith connects securely to all major banks in the UK with open banking data feeds, and you can search for your bank below. PocketSmith is a money management and budgeting app that grows with you. You can start simply by just tracking your budgets and enjoy our automatic categorisation and custom labeling. But you can also plan your whole financial future up to 60 years into the future with our cashflow and net worth forecasting features. Check out our complete list of supported banks to see if your specific bank is included.

What sets PocketSmith apart as the best alternative to Emma?

Don’t take it from us, hear what our lovely user community has to say. See how diverse households around the world use PocketSmith to get financial peace of mind. From self-employed expat mental health nurse Nicole, who uses PocketSmith to conquer her taxes, to London-based Kevin, who uses our app to track his everyday expenses and pay off his debts, and to Jimmy, a Kiwi who fast-tracked his way to a house deposit with PocketSmith.  

How does Emma vs PocketSmith stack up?

PocketSmith has all the functionality, plus so much more, compared to apps like Emma or any other free expense tracker app in the UK. Of all the alternatives to Emma in the UK, you will not find one more comprehensive than PocketSmith. Take the Tour to explore.

Do I have to use bank feeds with PocketSmith?

If you prefer not to use automatic bank feeds, you can use our convenient bank file uploader. PocketSmith supports the following file types: OFX, QFX, QIF, and CSV. Export your bank files from your online banking website, then import them straight into PocketSmith! Read our guide to importing bank files.

Can I share PocketSmith with my financial advisor or family member?

Yes, PocketSmith has a shared access feature where you can choose to share access to your PocketSmith account with a trusted partner, financial advisor, or other financial services of your choice, such as a mortgage broker.

Emma is a mobile app. is PocketSmith a web app, mobile app or both?

Both! You may have been searching for a Emma desktop app to no avail and while there isn’t a Emma web app, PocketSmith can be used at your desk or on your phone so you can manage your money wherever you are! PocketSmith is cloud-based desktop personal finance software with a mobile companion app. Our iOS and Android budgeting app is designed to provide you with the key elements of PocketSmith right there in your pocket. So you can achieve your money goals while you do what you do best — live your life!

What is PocketSmith?

PocketSmith is world-class personal finance software that lets you manage your money, your way. Track your income, expenses, assets and net worth, customise your budgets, forecast your cashflow up to 60 years into the future, and see it all in a nifty calendar view. 

Ready to take control of your
financial future?


We support all major banks in the UK

Along with a huge number of other banks in the United Kingdom! See below for the full listing.

Name Country Home Page

Ready to take control of your
financial future?


"PocketSmith is like your own personal finance assistant. 9/10"

Money Under 30 | Advice On Credit Cards, Investing, Student Loans, Mortgages & More

See why PocketSmith is the best alternative to...