Emma
p/emma-2
Actionable insights to reach your financial goals. πŸ€‘
Bram Kanstein (@bramk)
Emma 2.0 πŸ‡ΊπŸ‡ΈπŸ‡¨πŸ‡¦ β€” Your Best Financial Friend just landed in North America
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Emma is your Best Financial Friend. She helps you in avoiding overdrafts, finding wasteful subscriptions and giving the control you need over your finances. All from the push of a button!
Currently live in US, Canada and UK.
πŸ‡ΊπŸ‡ΈπŸ‡¨πŸ‡¦πŸ‡¬πŸ‡§
Replies
Charley Ma
Congrats on the North America launch! I love all the little UI touches throughout the onboarding experience, very excited to finally be able use the app :)
Edoardo Moreni
@charleyma Thank you very much! Reach out to support, if you have any issues. ;)
Antonio Marino
@charleyma looking forward to work together
The_Introuvable
Mint should be scared ! This app is brilliant
Edoardo Moreni
@the_introuvable Thank you very much! Looking forward to competing. :)
James Frewin
Spoke to Edoardo months back and really loved his enthusiasm for Emma, always hearing people say great things too, super pleased about this expansion guys, congrats and can’t wait to see the future!
Edoardo Moreni
Hey @jamesfrewin1, thanks! Looking forward to working together. ;)
Antonio Marino
Hello Product Hunt, I’m Antonio, co-founder of Emma. Emma lets you track and categorise your spending with unprecedented accuracy and provides unique and funny insights about your spending (aka this app will shame you for buying $10 avocado toast multiple times a week πŸ₯‘)
Ravishankar
Such a nice clean app to use, using it for couple of months now in UK, Great work guysπŸ‘. I am a big fan of the GIF'd weekly reports πŸŽ‰
Edoardo Moreni
@r_ravishankar Thank you so much! ahah :)
Antonio Marino
@r_ravishankar there are even more gifs in the pipeline to make you go rofl 🀣
Antonio Marino
@r_ravishankar πŸ”₯πŸ”₯πŸ”₯
Adrien Guilmineau
Love what the team at Emma is doing. Beautiful experience :)
Edoardo Moreni
@aguilmineau Thanks Adrien! Big fan of sidekick. Forgot to tell you I was recommending it to head of people of a 500+ org. ahaha
Wil Benton

Love Emma - been using it for a while. Great and interactive team who engage with their users and listen to feedback, work with their community and build cool shit!

Pros:

Great product, team and responsive to feedback/ requests

Cons:

None

Antonio Marino
Thanks for the review Wil, are you on our community forum already?
Edoardo Moreni
Hey guys, I am Edoardo, co-founder of Emma! :) We have spent the past 3 years relentlessly working on banking APIs on a mission to empower people to live a better and more fulfilling financial life. Emma is, as of today, one of the most beautiful and comprehensive finance apps out there, we call her your best financial friend. We have been live in the UK for a year and got more than 100,000+ downloads without a single $ spent in ads. At the same time, we were featured by Apple as App of The Day and have raised VC funding from top European investors. We are thrilled to bring Emma to both πŸ‡ΊπŸ‡Έ and πŸ‡¨πŸ‡¦ starting from today! These are some of the cool things we do: - Manage your money in one place. - Set budgets and goals. - Track spending - Avoid overdrafts fees. - Track and cancel wasteful subscriptions. - Help you payoff debt. - Save money every month. - Track and find bank fees. - Get smart Weekly Reports about your budgets and spending. - Countdown paydays and know when you get paid! - The Emma Quiz - win $100 by playing our weekly money quiz. ps: In case you are wondering, we are using Plaid to connect to banks, which is for us the undiscussed leader in aggregation in North America. By the end of the year, we'll be live in every single english speaking country. πŸ‡ΏπŸ‡¦πŸ‡³πŸ‡ΏπŸ‡¦πŸ‡Ί
Jeddi Mees
This app is amazing. I'll recommend it and congrats for the design <3
Edoardo Moreni
@jeddi Thank you very much! Feel free to reach out to support if you need any help. :)
Patrick Lu
What do you do with our data?
Edoardo Moreni
@patrick_lu Nothing. Our biz model is based on Emma Pro, which is our in-app purchase.
Edoardo Moreni
Also, as a European company, we fully GDPR complaint. :)
Dagmawi Belay
The only finance manager app on my phone. 😊 Congratulations on the international expansion!
Edoardo Moreni
@dagmawi_belay Thank you very much! :D
Wade Striebel

I had been trying to get a better grasp of my financial health for a little while now. I tried alternatives but never felt they were quite right, when I downloaded Emma I right off the bat fell in love with the simplicity and power. Now I look forward to opening Emma and seeing whether I am on track or not!

Pros:

UI is super clean and friendly, the feed is great for a quick look at your financial overview.

Cons:

None

Edoardo Moreni
Excited to see our first Canadian users here! :D :D
Vivian Lobo

The primary feature is all about budgeting and tracking expenses, and this is where the service really shines. Budgeting is super easy to set up: After downloading and connecting your account and syncing your transactions, they will get categorised into predefined categories. The nudges, the reports and visibility of all the transactions in almost all of your accounts (including savings and investments). They even have crypto currency tracking. Not exactly a con, but a requested feature is to have a shares/stocks portfolio. With the staff being very open and also responsive, I am sure this will be in their list of to-dos. A wonderful and convenient app and definitely much better than your traditional banking app.

Pros:

1. Budgeting and Tracking Expenses 2. Reminders and generally staying on top of your finances. 3. Customer service and the many features

Cons:

Missing managing shares/stocks portfolio.

Antonio Marino
Thanks @vivianlobo ! Keep the feedback coming on the community forum. We're all ears πŸ‘‚
Pietro Invernizzi
Amazing experience; the only finance app I've ever used that is actually fun. I'll recommend it to all my US friends for sure :)
Edoardo Moreni
@pietro_invernizzi Thanks Pietro! One of our first users. :P
Meggetto Francesco

I’m very excited to see European companies making international consumer products. Without any doubt, I can safely bet that Emma is going to become the world leader! I really can’t recommend it more. Keep up the amazing work!

Pros:

I’ve been using Emma since its first beta release. Since then, countless new features have been added. I was able to TRIPLE my savings!

Cons:

Only pros, sorry...

Edoardo Moreni
Thanks! :)
Ali
I’ve been actively looking for an app like Emma, sadly still not available in France. do you have any plans to launch in France in the future? Would definitely use Emma
Edoardo Moreni
@owzings1 Hi Ali, not yet, we are focused on english speaking countries.
Al

Emma is my go-to app for all things money management, I've been a user of the app for over a year and it's changed my view and management of my finances. I'm now at last ahead of plan for paying back credit/debt, purely because I have a more complete view of my financial situation. Of course there's a few features I'd like to see in Emma and will at some point add to their community, but it's nothing that is actually a 'deal-breaker'. When I have had an idea, bug or query in the past, the chaps and chapesses at Emma have always been great handling them, it's a super responsive and efficient team. Updates and features are pumped out regularly and if there's ever an issue (e.g. service), it gets communicated out by the delightfully GIF happy folks on Twitter. (Major things/features are communicated via email as standard). I find it quicker and easier to now log into Emma and (if necessary) refresh balances, rather than logging into my banks app direct! No hesitations recommending Emma to friends and family.

Pros:

Clean and easy interface Great product and customer support It just works and it does what they say it will do

Cons:

Some finance institutes missing, but largely the fault of older/less open FIs rather than Emma.

Antonio Marino
Thanks for the comprehensive review. We can't wait to show you what cool things we're building!
Jack Frost

My go-to app for checking my finances

Pros:

Easy to use, covers most of my accounts and more added all the time. A really ambitious project - much more ambitious than competitors.

Cons:

There's a lot of stuff still to do on transaction filtering and search, but it's in the pipeline!

Edoardo Moreni
Thanks for your valuable feedback! :) :)
Antonio Marino
@jack_frost3 Expect big things for search πŸ‘€
Andy Freeburn

Great community and interaction from the team and love seeing the speed of development and responsiveness to feedback.

Pros:

Really clear UI/UX and a great way to keep on top of all my finances in a single view

Cons:

Expand to include more banks but this will come with time

Edoardo Moreni
Hey Andy! Thanks for your review. What banks are you looking for? :)
Andy Freeburn
@edoardomoreni You actually have all of mine! but I know its a limitation for some users but know you are working on adding more and more when you can - would also be good to expand the investment side - but I know you are reliant on other companies like Freetrade producing an API for you to use so this isnt on you to control...
Edoardo Moreni
@andy_freeburn Thanks for letting me know! Yes, in theory, we could reverse engineer Freetrade APIs and get in anyway. Not sure how happy @ifuller1 would be. lol
Andy Freeburn
@edoardomoreni - may be worth having the discussion to say if you dont want to do it we could and see what they say - I think it would be a good win for you especially as Freetrade are growing in userbase and looking to expand into other markets
ifuller1
@andy_freeburn @ifuller1 @edoardomoreni we're leveraging the DB for reads which should not be used for an external API (it's likely to change). However I just started work on something - check my recent tweet. Will be low priority but you never know what might happen later in the year.
Alex Ainsworth

Could not recommend more

Pros:

Emma is super good - easy to plug in, good notifications, amazing UI, a gem of an app.

Cons:

More connections to more banks!

Antonio Marino
The connections to more banks are coming. Request yours here: (Most-Wanted πŸ‡¬πŸ‡§) integrations