The five year number
Five years of Emma comes to £209.95 on Plus paid annually. That assumes the cheapest billing period at the current price, with no price rises. Verified 21 July 2026.
Year by year
| Time held | Emma | Delphina |
|---|---|---|
| After 1 year | Emma£0 on the free tier, £41.99 on Plus paid annually, or £59.88 on Plus paid monthly | Delphina£119.88 |
| After 3 years | Emma£125.97 on Plus paid annually | Delphina£359.64 |
| After 5 years | Emma£209.95 on Plus paid annually | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: Paying monthly rather than annually costs about 30% more on every tier
- Hidden cost: Reviewers repeatedly report being charged after believing they had cancelled, so check your statement
- Hidden cost: Four tiers make it easy to pay for a level you do not need
Figures based on Emma’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For people who want to see where their money went and cancel forgotten subscriptions, that is a fair price. A real free tier that covers the basics. Built for the UK, with UK bank connections through Open Banking.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Emma pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Emma is good at the rear-view mirror. If what you actually want to know is whether you can retire, or what your ISA allowance should be doing, that is a different tool.
More on Emma
Emma: common questions
It is worth it for people who want to see where their money went and cancel forgotten subscriptions. It is a poor buy for anyone who needs subscription cancellation is the single most common complaint in reviews, because that is not what it is built to do.
3 things are not on the pricing page: paying monthly rather than annually costs about 30% more on every tier; reviewers repeatedly report being charged after believing they had cancelled, so check your statement; four tiers make it easy to pay for a level you do not need.
About 30% off against monthly billing, via annual billing. Applies on Plus, Pro and Ultimate when you pay for twelve months up front.
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.