Emma alternative for Europe.
Emma is a solid UK finance app. But if your money lives in more than one European country, it starts to stretch thin.
Wealthos is built from the ground up for multi-country, multi-currency life. 3,000+ banks across the EU and UK, every balance converted to your home currency, and a 10-year forecast in one screen. €5 a month.
Why people look for a Emma alternative.
Emma's strength is the UK. If you bank with Monzo, Starling, or HSBC UK, it works well. The moment your finances cross borders, three cracks show up.
Coverage thins outside the UK
Emma supports the UK well and some EU banks. Wealthos supports 3,000+ banks across the EU and UK with the same regulated Open Banking.
No real forecast
Emma is a tracker. Wealthos projects a decade of wealth and lets you pull scenarios — promotion, move, child — and watch the line recalculate.
No AI layer
Wealthos has a built-in assistant and an MCP server. Ask Claude "am I on track for retirement?" with your real accounts.
A wealth tracker built for Europe.
- Open Banking (PSD2) — read-only connections to over 3,000 EU and UK banks.
- Multi-currency — balances in EUR, GBP, CHF, DKK, SEK, PLN and more, auto-converted at live rates.
- Forecast-forward — a 10-year net-worth projection in your home currency.
- Life-scenario simulator — model a promotion, a move, a child, a sabbatical.
- AI assistant + MCP — ask questions in plain English, or connect Claude, ChatGPT, Mistral, and OpenClaw to your real data.
- GDPR-focused — encrypted in transit and at rest, on EU infrastructure.
Wealthos vs Emma.
| Feature | Wealthos | Emma |
|---|---|---|
| Geographic focus | EU and UK | UK-first, some EU |
| Bank coverage | 3,000+ EU and UK banks via Open Banking (PSD2) | Strong UK, partial EU |
| Multi-currency | Native — every balance converted at live rates | Limited conversion |
| Forecast horizon | 10 years, in your home currency | None |
| Life-scenario simulator | Yes — promotion, move, home, child, sabbatical | No |
| AI assistant | Built-in, plus MCP for Claude / ChatGPT / Cursor | No |
| Subscription alerts | Via expense categorisation | Native (stronger here) |
| Pricing | €5/mo or €45/yr | Emma Pro ~£9.99/mo; Ultimate ~£14.99/mo |
| Data residency | EU infrastructure, GDPR | UK / EU, GDPR |
| Mobile | Web + iOS | iOS + Android |
Emma has a limited free tier and two paid plans — Pro around £9.99/mo and Ultimate around £14.99/mo. Wealthos is one flat plan at €5/mo or €45/yr with everything included. If you'd be on Emma Pro or higher, Wealthos is roughly half the price with broader bank coverage and a forecast on top.
When Emma is the right pick.
Emma is genuinely good at a few things, and we won't pretend otherwise:
- Subscription tracking and cancellation reminders.
- A mature Android app with deep category rules.
- Very strong UK-only user experience if you never bank outside the UK.
If your whole financial life sits in the UK and you mainly want to spot wasted subscriptions, Emma is a fair choice.
Who should switch to Wealthos.
Wealthos is the better fit when:
- You bank in more than one country in Europe.
- You hold more than one currency — EUR, GBP, CHF, DKK, SEK, PLN.
- You want a forward-looking forecast, not just a tracker.
- You want to use AI tools on your finances without exporting a CSV.
- You'd rather pay one flat fee than two escalating tiers.
How to move from Emma.
Moving across is quick.
- 01Sign up for Wealthos — 7-day free trial on the yearly plan.
- 02Connect your banks via Open Banking — each bank authorises through its own secure flow.
- 03Set your home currency and forecast target.
- 04Cancel Emma Pro before the next billing cycle.
Most people are set up in under 5 minutes with AI, or 15 minutes manually.
Common questions about switching.
Free calculators to try first.
Three free tools that cover the same ground as Emma — no account needed.
Net Worth Calculator for Expats in Europe
Aggregate accounts across EU countries and currencies into one clear total.
Multi-Currency Net Worth Calculator
Track EUR, GBP, CHF, DKK, SEK — auto-converted at live rates.
FIRE Calculator
Project your path to financial independence in your home currency.