Financial
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Financial IQ vs Emma, for people who want their budget, their debts and their tax in one place.

Emma tracks your spending and your subscriptions. Financial IQ gives you a budgeting method that fits, a plan to clear your debts and your tax building through the year.

Start freeSee how Personal works
Why people switch
Six budgeting methods to choose from, from 50/30/20 to Anti-Budget.
Snowball and avalanche debt plans that give you a debt-free date.
Net worth that includes your company, with the tax on your income building through the year.

Feature by feature

Financial IQEmma
Budgeting methods50/30/20, Zero-Based, Pay Yourself First, Envelope, Anti-Budget, CustomYesSix to choose fromBudgets with spending analysis
A plan to clear your debtsSnowball or avalancheYesWith your debt-free dateCredit building tools
Your tax, building through the yearAs you're paid, across the tax yearYesFocused on spending, saving and investing
Net worth, including your companyYesNet worth across your connected accounts
Your company in the same accountBusiness and Personal under one loginYesPersonal finance app
Bank feedsTransactions arrive on their ownYes£2 a month per accountConnects your accounts through open banking
PricePersonal is free forever. A live bank feed is £2 a month per account, if you want one.Free, or £4.99, £9.99 or £14.99 a month depending on plan

Checked against Emma’s own pricing and feature pages on 2 October 2026. Spot something out of date? Tell us and we’ll correct it.

  1. 1
    Upload a statement or add a bank feed

    Start from a statement you already have. A live feed is £2 a month per account if you want one.

  2. 2
    Pick a budgeting method

    Six to choose from, from 50/30/20 and Zero-Based to Envelope and Anti-Budget.

  3. 3
    See what's safe to spend and your tax as it builds

    Your budget shows what's left this month, and the tax on your income builds up as you're paid.

Questions people ask before switching

Is it really free?

Yes. Personal is free forever. You only pay if you add a live bank feed (£2 a month per account) or the Personal API (£4.99 a month).

Do I need a bank feed?

No. Upload a statement to get started. If you'd like transactions to arrive on their own, a live feed is £2 a month per account.

Is Emma ever the better choice?

If finding forgotten subscriptions is your main aim, Emma's subscription audit is very good. It also covers crypto accounts.

Move from Emma and see your budget, your debts and your tax together, free from today.

Start freeSee how Personal works