Subskim vs Emma
Emma is a budgeting app for the UK, US and Canada that connects to your bank and card accounts and detects recurring payments and subscriptions in them. Subskim is a free renewal calendar you fill in by hand or from a screenshot, with no bank connection and each subscription in its own currency.
Last updated October 15, 2026
Subskim vs Emma, feature by feature
| Feature | Subskim | Emma |
|---|---|---|
| How subscriptions get in | Added by hand or imported from a screenshot of a billing page (up to 50 imports a month) | Detected in your linked bank and card accounts, including Direct Debits, standing orders and regular card payments; you can add one it missed by searching for it and setting matching rules |
| Bank connection | Not needed; Subskim never asks for bank logins | Required: you connect at least one checking, savings or credit card account (read-only); 2 bank logins on the free plan, 4 on Plus, unlimited on Pro and Ultimate |
| Countries and currencies | Each subscription keeps its own currency; totals convert to your main currency | UK, US and Canada banks only; the whole app shows one currency (GBP, USD, CAD or EUR), changed by asking support |
| Renewal calendar | Yes, the core view, plus a list and a dashboard with monthly and yearly totals | A Recurring payments list of detected payments in the app, on Plus, Pro and Ultimate per its help center |
| Reminders and alerts | Not yet; email and push reminders are coming next | Yes: weekly bill reminders every Sunday on Plus, Pro and Ultimate, plus alerts when subscription prices go up |
| Canceling for you | No | No; its help center says you cancel through your bank or the provider |
| Budgeting, net worth and CSV | No; monthly and yearly subscription totals only, and no CSV import | Yes: budgets and spending analysis; net worth, CSV import and data export on Pro and Ultimate |
| Apps | Web now; iOS and Android coming soon | iPhone, iPad and Android; the web dashboard is in beta and only for Plus, Pro and Ultimate subscribers |
| Price | Free, every feature included, no card to sign up | Free Basic plan; Plus $4.99/month or $41.99/year, Pro $9.99/month or $83.99/year, Ultimate $14.99/month or $124.99/year; 7-day free trial |
Choose Subskim if
- You want to track subscriptions for free without linking a bank or card account.
- You live outside the UK, US and Canada, or pay for tools in more than one currency.
- You want free trials flagged with the date they convert and the price, and a monthly review to keep, downgrade or cancel.
Choose Emma if
- You bank in the UK, US or Canada and want recurring payments found in your linked accounts, with weekly bill reminders and price-increase alerts today (recurring payments and bill reminders need Plus, Pro or Ultimate).
- You want budgets and spending analysis in the same app, plus net worth, CSV import and data export on Pro and Ultimate.
- You're in the UK and want Emma's savings and investing products alongside your budget.
Emma details checked on October 15, 2026 from Emma's public pages. Plans and features change, so check their site for the latest.Emma: Compare Emma plansEmma: Recurring payments feature pageEmma Help: Is the Emma App free?Emma Help: Which countries is Emma available in?Emma Help (US): I can see the wrong country's banks (UK/US/Canada)Emma Help: Can I still use Emma if I don't have a bank account?Emma Help (US): Why do I need to connect a bank account to Emma?Emma Help (US): What is a bank login?Emma Help (US): How can I check my recurring subscriptions?Emma Help: How do I add a recurring payment the app hasn't detected?Emma Help (US): Bill RemindersEmma Help (US): What are the features of Emma Plus, Pro and Ultimate?Emma Help: What platforms and devices do you support?Emma Help: How do I sign in to the Emma Web Dashboard?Emma Help (US): How much does Emma Plus/Pro/Ultimate cost?Emma Help (UK): How much does Emma Plus/Pro/Ultimate cost?Emma Help: What happens when I cancel my Emma subscription?Emma on the App Store (US)
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