It is if you bank in the UK, the US or Canada, the countries Emma says it is live in. It finds recurring payments on its paid plans, but by its own help centre it cannot cancel them for you.
| Stage | Emma | Mind My Money |
|---|---|---|
| Before | You install the phone app and connect your accounts through Open Banking, read-only.1 | You install it on your computer and sign in to your bank yourself, in a browser window it opens. It helps you download the transactions. |
| During | Your accounts in one place, with budgets. On Plus and above it finds your recurring payments, and to stop one you go to your bank or the provider.2 | It names every payment, including the shop behind a payment your bank only calls Klarna or PayPal, and sorts them. Then it goes through the recurring ones with you and asks whether to keep each. It cancels the ones you say no to in a browser on your computer, and checks the account page afterwards to see that each one took.3 |
| After | Your spending and budgets in the app, kept up to date by the connection. | A report of the month, what changed since the month before, and a running total of what it has saved you, checked against your own statements. |
1 "Consent lasts 90 days", after which you renew it. The free plan connects two bank logins, Plus four, and Pro and Ultimate any number. 2 Its features page: "Cancel what you don't need in a few taps." Its help centre: "We're unable to cancel the payments directly through Emma." It also keeps a directory of how-to-cancel guides. 3 It names the shop from your own receipts, messages and photos, on your computer, looking only at the few days around each payment.
The checkable parts. Numbers point to the fine print under each table.
| Fact | Emma | Mind My Money | Our reading |
|---|---|---|---|
| Who can use it | The UK, the US and Canada4 | Anyone with a bank they can sign in to in a browser | |
| How it reaches your bank | Open Banking, read-only, renewed every 90 days | You sign in yourself, in a browser on your computer | |
| Runs on | iPhone and Android, and the web on some plans5 | Your Mac | Emma |
4 "Emma is currently live in the UK, US & Canada." 5 "Emma for web" is listed in its plan table.
| Fact | Emma | Mind My Money | Our reading |
|---|---|---|---|
| Finds your recurring payments | Yes, on Plus and above6 | Yes | |
| A payment called PayPal or Klarna | Not something it claims to look up | Named from your own receipts, messages and photos | Mind My Money |
| Cancels subscriptions | No, by its own help centre7 | Yes, once you say yes, and it checks afterwards that it took | Mind My Money |
6 Not on the free plan. 7 "We're unable to cancel the payments directly through Emma… you'll need to go to your bank or the provider."
| Fact | Emma | Mind My Money | Our reading |
|---|---|---|---|
| Price | Free; Plus £4.99, Pro £9.99, Ultimate £14.99 a month8 | Pay what you decide, including nothing | |
| AI subscription | Not needed | Your own Claude, about €18 a month |
8 Or £41.99, £83.99 and £124.99 a year. The same numbers in US and Canadian dollars. Seven-day trial.
| Fact | Emma | Mind My Money | Our reading |
|---|---|---|---|
| Your transactions | On their servers9 | On your computer10 | Mind My Money |
9 "Amazon Web Services (AWS) for secure data storage and processing." 10 The step that reasons about your spending goes to a model, under your own account with the provider.
Every cell above is quoted from Emma's own material and dated. The reading column is ours: our judgement of those cells, not a fact about them. Where a row has no reading, the two are not answering the same question.
Runs on your own computer. Pay what you decide, including nothing.