Emma is a budgeting app that added net worth tracking as a premium feature. CeeWealth is built around net worth first, with budgeting alongside it, no bank connection required.
| Feature | CeeWealth | Emma |
|---|---|---|
| Free tier | Yes - budgeting & expense tracking | Yes - basic budgeting |
| Net worth tracking | Core feature, all paid users | Only on Emma Pro (£9.99/mo) |
| Cheapest plan with net worth | £2.99/mo | £9.99/mo (Pro) |
| Bank account connection | Not offered - manual only | Required, via Open Banking |
| Investment & crypto tracking | Yes, with cost basis & CGT | Limited, investing add-on |
| UK CGT / tax year report | Built in, HMRC rates | Not offered |
| Subscription & spend insights | Not a core focus | Strong - a core feature |
| Cashback / partner offers | None | Built into the app |
| Data selling / ads | Never | Monetises via partner offers |
Emma started as a budgeting and subscription-tracking app, and net worth tracking sits behind its top Pro tier at £9.99/month, alongside unlimited bank connections and custom categories. If net worth is what you actually want to track, you're paying for a full budgeting suite to unlock it.
CeeWealth flips that: net worth tracking, investments, crypto and goals are the core product, available on Premium at £2.99/month, with budgeting and income tracking included on the free plan too.
Emma is built entirely around Open Banking - you connect your accounts and cards, and it pulls transactions automatically to categorise your spending. That's genuinely convenient for day-to-day budgeting. CeeWealth doesn't offer any bank connection; everything is entered manually. If you want zero exposure to third-party account access, that's the trade-off in CeeWealth's favour. If you want your spending categorised automatically without typing anything in, Emma's approach will save you time.
Emma's plans run £4.99, £9.99 or £14.99 a month (with a discount for annual billing), and net worth tracking specifically needs the £9.99/month Pro tier. CeeWealth's Premium, which includes full net worth tracking, investments, crypto and tax reporting, is £2.99/month or £29.99/year.
Emma's free and lower tiers are subsidised in part by in-app cashback deals and partner offers. CeeWealth doesn't run any partner offers or ads - the business model is subscriptions only, which means no incentive to nudge you toward a financial product for a referral fee.
Emma's subscription-hunting and spend-insight tools, built on automatic bank data, are genuinely strong for people who want to trim recurring costs without manual bookkeeping. If that's your main goal rather than net worth tracking specifically, it's worth a look.
Pricing and features accurate as of the publish date and based on publicly available information from Emma's website and third-party reviews. Features and pricing change - check Emma's plans page directly for the latest.
Budgeting on the free plan, full net worth tracking from £2.99/month.
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