Pros: Encourages you to set spending budgets. Once you have connected your accounts, Yolt allows you to track your spending, see upcoming transactions, create budgets and set saving goals. Yolt allows you to organise all of your accounts in one place and you can take things one step further by using its prepaid debit card for everyday spending. Desktop version also available.Ĭons: Takes time to set up and its automatic spending categorisation could be better. Pros: In-depth budgeting analysis with personalised categories based on your individual spending. The level of customisation in the app is ideal for those with accounts and investments across a range of providers. Money Dashboard also graphs your projected monthly spending with a predicted balance at the end of the month. These include customisable categories for your spending – for example, you may want to group together all payments for presents around Christmas – and the option to add accounts manually. Offers most of the same features as Emma Pro but at no cost. Cashback and rewards for spending with certain retailers such as the Body Shop, B&Q, Gousto, Boots and more.Ĭons: A bit gamified and the push to subscribe to Emma Pro can become annoying. Good for: Beginners and managing subscriptions.Ĭost: Emma – free Emma Pro – £59.99 a year, with the first seven days free.

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