Money Tree
Money Tree vs Emma
Emma is a money app with a free plan and several paid tiers, strong on subscriptions, credit score and extras like investing. Money Tree focuses on Safe to Spend, goals and daily habits.
Last reviewed
At a glance
| 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. |
Where Emma is stronger
- 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.
Where Money Tree is different
- 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.
Which should you choose?
Choose Emma if you want credit score, investing or rent reporting alongside your budget, especially with UK banks.
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.
Looking for a Emma alternative? See what switching involves.
Questions
How does Money Tree's price compare with Emma?
Money Tree has a 7-day trial of everything, with nothing held back. Emma: Yes. The free Basic plan connects two bank accounts and includes a credit score. Paid plans have a 7-day free trial.
Does Emma connect to my bank?
Automatic sync through Open Banking. Free connects two accounts; paid plans raise the limit. Money Tree: Automatic, read-only sync through secure bank data providers. Connect as many banks as you like.
Which apps can I use Emma on?
iOS, Android and a web app on paid plans. Money Tree: iPhone, Mac and Android, from the App Store and Google Play.
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.