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Budgeting apps compared (UK)
This page provides a high-level look at selected budgeting apps that people in the UK may use to track spending and plan their budgets.
High‑level comparison
| App | Free/Paid | Key features | Notes |
|---|---|---|---|
| Emma | Free basic; Plus from £4.99–£14.99 /month | Connects multiple bank accounts and credit cards; auto‑categorises spending; tracks subscriptions and budgets; net‑worth and investment tracking | Premium plans unlock custom categories and additional alerts |
| Monzo | Free account; Plus £5/month; Premium £15/month | Digital bank app with Pots for envelope budgeting; salary sorter and bill‑splitting; round‑up savings; optional virtual cards and credit tools | Paid tiers include extra benefits like interest on balances and travel insurance |
| Snoop | Free; Snoop Plus £4.99/month or £39.99/year | Open‑banking budgeting; one dashboard for all accounts; bill tracking and price‑hike alerts; monthly and category budgets; personalised money‑saving suggestions | Paid tier adds custom groups, PDF reports and enhanced forecasting |
| Monese | Free basic; paid plans £5.95–£14.95 /month | Multi‑currency accounts; budgeting and spending categories; savings pots and round‑ups; instant UK and Euro transfers | Higher‑tier plans offer fee‑free ATM withdrawals and overseas spending |
Sources
Overview of selected apps
Emma
Emma is a budgeting and net‑worth tracker that links to your bank accounts and credit cards. It automatically categorises spending, tracks subscriptions and shows your total wealth across savings, investments and even crypto. Basic features are free, while paid tiers unlock custom categories and extra alerts.
Monzo
Monzo is a digital bank account with built‑in budgeting tools. It uses “Pots” to separate money for bills or savings, allows salary sorting and bill‑splitting with friends, and can round up card purchases into savings. The account is free, while Plus and Premium subscriptions add benefits like virtual cards, additional interest and insurance.
Snoop
Snoop uses open banking to show all your accounts in one place. It monitors bills, alerts you to price increases and suggests cheaper providers. You can set monthly or category budgets and receive personalised tips to save money. Snoop is free to use, with Snoop Plus offering extras such as custom spending groups and PDF reports.
Monese
Monese offers multi‑currency current accounts with tools to manage spending in pounds or euros. The app categorises expenses, lets you create savings pots and round up transactions, and supports instant UK and European transfers. Paid plans provide higher ATM allowances and lower foreign transaction fees.
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