Money Tree
A Emma alternative: Money Tree
Emma bundles a lot into several paid tiers. Money Tree keeps it to a 7-day trial and one subscription, built around spending with confidence and saving toward goals.
Last reviewed
Why people look for a Emma alternative
- Three paid tiers to choose between, from GBP 4.99 to GBP 14.99 a month.
- The free plan connects two accounts.
What Money Tree offers instead
- One subscription, Plus, instead of several tiers.
- Safe to Spend gives you one number for what you can spend today.
- A pay-period planner that sets your income against budgets and upcoming bills.
- Daily streaks, XP, coins and private leaderboards with friends make checking in a habit.
When to stay with Emma
Choose Emma if you want credit score, investing or rent reporting alongside your budget, especially with UK banks.
- Finds subscriptions and reminds you about bills.
- Credit score on the free plan.
- Extras such as investing, and rent reporting on paid plans.
- A web app on paid plans.
- Its free plan connects two bank accounts.
Emma and Money Tree in brief
| Feature | Money Tree | Emma |
|---|---|---|
| Price | A 7-day trial, then Plus as a monthly or yearly subscription; the store shows the price in your currency. | Plus is GBP 4.99 a month or GBP 41.99 a year, Pro GBP 9.99 or GBP 83.99, Ultimate GBP 14.99 or GBP 124.99. Prices are also published in USD and CAD. |
| Plans and trial | No. Every account starts with a 7-day trial of everything, then Plus is a subscription. | Yes. The free Basic plan connects two bank accounts and includes a credit score. Paid plans have a 7-day free trial. |
| Bank connections | Automatic, read-only sync through secure bank data providers. Connect as many banks as you like. | Automatic sync through Open Banking. Free connects two accounts; paid plans raise the limit. |
| Platforms | iPhone, Mac and Android, from the App Store and Google Play. | iOS, Android and a web app on paid plans. |
| Budgeting style | Safe to Spend for today, category budgets with suggested limits, savings goals and a pay-period planner. | Automatic categorisation with budget limits and subscription tracking. |
| Where it works | Wherever its bank data providers cover your bank. The app shows the regions it supports when you connect. | Mainly the UK, with prices also published in USD and CAD. |
Switching
Money Tree does not import from other apps. Connect your bank and your transactions arrive automatically, so there is nothing to move across. Plus shows twelve months of history from the day you connect.
Questions
What is a good alternative to Emma?
It depends on why you are leaving. Choose Money Tree if you want one Safe to Spend number, a 30-day cash-flow forecast on Plus and goals, without tiers to compare. Choose Emma if you want credit score, investing or rent reporting alongside your budget, especially with UK banks.
Can I move my data from Emma to Money Tree?
Money Tree does not import from other apps. Connect your bank and your transactions arrive automatically, so there is nothing to move across. Plus shows twelve months of history from the day you connect.
How much does Money Tree cost?
Money Tree has a 7-day trial of everything, with nothing held back. After the trial, Plus is a monthly or yearly subscription.
Sources
Checked on 6 October 2026. Prices and features change; check each provider before you decide.
- https://help.emma-app.com/en/article/how-much-does-emma-plusproultimate-cost-1ywhulq/ (GBP prices)
- https://help.emma-app.com/en-us/article/how-much-does-emma-plusproultimate-cost-1t6jgpo/ (USD and CAD prices)
- https://emma-app.com/plans/compare-emma-plans (free plan, account limits, Open Banking, web on paid plans, 7-day trial)
- https://emma-app.com/ (UK focus, subscriptions, investing, rent reporting)
- https://apps.apple.com/app/id6794328903 (Money Tree features, Plus and the 7-day trial)
Emma is a trademark of its owner. Money Tree is not affiliated with or endorsed by Emma. This page compares publicly available information and is not financial advice.