Subqora vs Emma - Budget Planner Tracker
Emma is a bank-linked budgeting app in the UK, US and Canada that spots subscriptions and price rises; most extras are on paid tiers. Subqora is a free subscription tracker for iPhone and Android that never connects to your bank — you add subscriptions yourself.
We make Subqora, so read this with that in mind — we have tried to be fair, and we say where Emma - Budget Planner Tracker is better. Facts checked October 21, 2026 from Emma - Budget Planner Tracker’s own website and store listings (sources below).
Side by side
- Platforms
- Subqora: iPhone, Android
- Emma - Budget Planner Tracker: iOS, Android, Web
- Where it works
- Subqora: Any country
- Emma - Budget Planner Tracker: UK, US and Canada (help center: "Emma is currently live in the UK, US & Canada").
- How subscriptions get in
- Subqora: You add them — catalog of 140+ services, or custom
- Emma - Budget Planner Tracker: Automatic, from linked bank accounts (Open Banking in the UK, read-only).
- Bank login needed
- Subqora: No
- Emma - Budget Planner Tracker: Yes
- Price
- Subqora: Free with ads, every feature. Pro removes ads: $2.99/month or $29.90/year in the US (save ~17% with yearly; prices may vary by country), 7-day free trial.
- Emma - Budget Planner Tracker: Basic: £0 / forever; Plus: £4.99/month or £41.99/year (US App Store: $4.99 / $41.99) / month or year; Pro: £9.99/month or £83.99/year (US App Store: $9.99 / $83.99) / month or year; Ultimate: £14.99/month or £124.99/year (US App Store: $14.99/month) / month or year
- Cancels subscriptions for you
- Subqora: No — reminds you in time, with cancel guides
- Emma - Budget Planner Tracker: The official site says you can cancel unwanted subscriptions "in a few taps" in the app.
- Store rating
- Subqora: Not enough ratings yet
- Emma - Budget Planner Tracker: App Store (UK): 4.7 (27k ratings) · Google Play (UK): 4.4 (9.61k reviews)
Where Emma - Budget Planner Tracker is better
- Automatic detection plus price-hike alerts
- Full budgeting app available in UK, US and Canada
- Both iOS and Android
Where Subqora is better
- No bank connection needed.
- Every feature is free; Pro only removes ads.
- Works in any country.
Which should you pick?
Pick Emma if you want a full budgeting app with automatic detection and price-rise alerts and are in the UK, US or Canada. Pick Subqora if you want a simple subscription list with reminders and no bank login.
What we could not confirm
- Which aggregator Emma uses in the US and Canada
- Which tier includes subscription cancellation and price-hike alerts
- Whether cancellation is done by Emma or only guided
- Multi-currency handling
- The compare page also shows discounted per-month figures (£3.49 Plus, £6.99 Pro, £10.49 Ultimate), apparently the yearly price per month; exact meaning not confirmed
Sources
- emma-app.com — checked 2026-10-21
- emma-app.com/plans/compare-emma-plans — checked 2026-10-21
- emma-app.com/features/recurring-payments — checked 2026-10-21
- help.emma-app.com/en/article/which-countries-is-emma-available-in-1x4q... — checked 2026-10-21
- help.emma-app.com/en/article/what-platforms-and-devices-do-you-support... — checked 2026-10-21
- help.emma-app.com/en/article/what-are-the-features-of-emma-plus-pro-an... — checked 2026-10-21
- apps.apple.com/gb/app/emma-budget-planner-tracker/id1270062373 — checked 2026-10-21
- apps.apple.com/us/app/emma-budget-planner-tracker/id1270062373 — checked 2026-10-21
- play.google.com/store/apps/details?id=com.emmaprod — checked 2026-10-21
Emma - Budget Planner Tracker is a trademark of its owner; Subqora is not affiliated with it. Prices and features change — if something here is out of date, tell us at support@subqora.app and we will fix it.