What Emma costs
Emma charges £4.99 per month, rising to £14.99 per month on the top tier. There is a free tier below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Free | Price£0per month | Included
| Not included
|
| Plus | Price£4.99per month | Included
| Not included
|
| Pro | Price£9.99per month | Included
| Not included
|
| Ultimate | Price£14.99per month | Included
| Not included
|
- Free tier: yes. Emma describes Plus, Pro and Ultimate as optional add-ons to the free version, so the free tier is permanent rather than a trial.
- Annual billing: Paying annually saves roughly 30% against the monthly price on every tier
Prices taken from Emma’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Free at £0 per month is the tier that covers account connections and basic spending tracking.
- Plus at £4.99 per month is the tier that covers paid features on top of the free version.
- Pro at £9.99 per month is the tier that covers everything in plus.
- Ultimate at £14.99 per month is the tier that covers everything in pro.
Emma suits people who want to see where their money went and cancel forgotten subscriptions, so that is the lens to pick a tier through.
What the price does not cover
- Emma describes Plus, Pro and Ultimate as optional add-ons to the free version, so the free tier is permanent rather than a trial.
- Advanced categorisation and premium features
- Pro and Ultimate features
- Ultimate features
- Pension, ISA and retirement modelling
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs Emma.
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
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
Emma costs £4.99 per month. Paying annually saves roughly 30% against the monthly price on every tier. Prices were checked on 21 July 2026.
Yes. Emma describes Plus, Pro and Ultimate as optional add-ons to the free version, so the free tier is permanent rather than a trial. The paid tiers add the features listed above.
The decision-relevant difference is that Plus adds paid features on top of the free version. Free covers account connections and basic spending tracking.
Yes, at £0 a month. Paying annually saves roughly 30% against the monthly price on every tier, so monthly billing is the more expensive route.
There are cheaper tools in the budgeting category, though most trade away something Emma does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job Emma does for people who want to see where their money went and cancel forgotten subscriptions.