Emma - Budget Planner Tracker

I have Pro and this app works just fine for what i need it for 95% of the time - I only really use it to track spending by category, so take that as you will. The one thing I would really like to be able to do is to set up rules so that certain merchants/keywords automatically categorize themselves a certain way. It’s not the biggest deal in the world that the music store lists itself as “eating out” every single time no matter how many times I recategorize it, but it is pretty annoying and renders the automation aspect of the app useless, as I have to manually change almost everything anyway. (This seems like an obvious feature that should exist, so if it’s already in the app somewhere and I just can’t find it, I would love to know!)

I’ve tried twice to bring Emma into my life. Years apart. I just don’t like it. It’s so clunky, very poor UI/UX. Too busy trying to push their silly affiliate links and other useless information and somehow forget their main purpose - a budget app.

I love the idea of the app but it’s full of problems and no one seems to be able to solve them. I paid for the pro subscription but haven’t been able to properly use the app for several months now. I constantly have duplicate transactions, which you can exclude if you catch them. But I also had several missing transactions and now one of my credit cards isn’t updating at all. The last straw for me was my main banking account is now missing (deleted?). I have spent months going back and forth with customer service reps who take weeks to get back to me with no resolution. I’ve asked for a refund because the app is unusable but of course that was ignored as well.

I don’t know how come this kind of app allowed to keep the same hefty premium price for the extremely subpar experience of the app where most of the feature of the app is restricted to the different country. The things work for canada doesn’t work as expected. As the app is full of bugs. Their customer service deserves a special space as they are mostly useless. They tout fast service for pro user which is baseless claim as mostly they hardly ever reply for days even after so many nudges.

I used use this app in UK and it used to work well. I moved to Canada, paid for their pro version but half of the banks I use are not supported by plaid and the ones that are supported gets disconnected every day. Poor experience

Since a long time ago Emma is not working well with Desjardins. Today Emma cut the allowed bank account to a maximum of 2 with the free version. For a long time I’ve paid the pro version and I was still getting error and problems with things not showing up. I’m now an adept of mint and everything is working fine since I decided to try last year. Emma you should at least fix some major problems …

International transactions are mishandled: a transaction in euro was recalculated (why?) inverting the EUR price with the CAD price, resulting in applying twice the conversion rate… At least 2/3 of subscriptions aren’t recognized as such… Not worth the efforts

The app itself is pretty good and feature rich. Just what I need. The only problem is that it does not play well with Canadian Banks. I have account with RBC and have to renew access daily multiple time a day in order to sync data. And when it does sync, it misses some of the transactions. I see the potential is there but until we have open banking implemented in Canada in its entirety, these problems will remain. Not app's fault and I understand that.

For a few weeks now synching with bank account has stopped working. Bank account password hasn’t been changed, so that’s really something on Emma’s part.

It’s a beautiful app that also works as a friendly budget planner but sadly, it does not work with all banks in Canada. Secondly, where it does work, it does not sync the latest state of the accounts. At best, it only syncs the state from the previous day.