Best savings tracker app UK (2026)
The best savings tracker apps in the UK for 2026, compared fairly. See how Oinkly, Emma and Snoop handle savings, ISAs and FSCS limits, with honest pros and cons.
For tracking savings across banks, ISAs and Premium Bonds in one place and staying inside the FSCS protection limit, Oinkly is well suited, while Emma fits people who want budgeting alongside their savings and Snoop suits those who want free bill-saving nudges with an open-banking feed.
At a glance
| App | Main focus | Savings and ISA tracking | Works without bank logins | FSCS limit alerts | From |
|---|---|---|---|---|---|
| Oinkly | Savings and net worth | Yes, core feature | Yes, add balances manually | Yes | £2.99/mo |
| Emma | Budgeting and subscriptions | Yes, alongside spending | Open-banking led | Not a stated focus | Free + paid tiers |
| Snoop | Budgeting and bill saving | Yes, via spending feed | Open-banking led | Not a stated focus | Free |
Based on publicly available information as of July 2026. Check each provider for the latest.
What to look for in a savings tracker
A good savings tracker does three things. It shows every pot in one place, so you are not adding up balances by hand. It shows progress over time, so you can see whether you are actually building a buffer. And, for larger balances, it helps you stay inside the FSCS protection limit of £120,000 per person, per banking licence.
The right choice depends on how you save. If your money sits across several banks, an easy-access account, a cash ISA and Premium Bonds, you want something that can hold all of that in one view, including balances that never connect automatically.
Oinkly
Oinkly is a UK-built app focused on savings and net worth. It brings every account, ISA, pension, Premium Bond, property and asset into one figure, and it works without open-banking logins, so you update balances manually. For savers that is often an advantage, because Premium Bonds, some savings accounts and asset values do not connect cleanly through open banking anyway.
Its FSCS-limit monitoring flags when banks share a banking licence and your protected total nears £120,000, which is exactly the kind of thing that is easy to overlook when your savings are spread around. You can try this now with the FSCS limit checker. Savings tracking starts on the Piglet tier at £2.99 a month, with ISAs, pensions, Premium Bonds and property on Big Pig. See pricing.
Emma
Emma is a popular UK all-in-one app built around budgeting, spending analysis and finding subscriptions you no longer use. Savings sit within that wider picture rather than being the main event. If you want your savings tracked next to detailed budgeting, and you are comfortable connecting accounts through open banking, Emma is a solid, well-established option with free and paid tiers.
Snoop
Snoop is a free UK budgeting and bill-saving app, owned by Vanquis Banking Group. It is spending-focused and open-banking led, and it is known for nudges that help you cut bills and spot better deals. It is not closing, despite occasional rumours. If your aim is free money-saving prompts and everyday spending insight, Snoop is worth trying, though savings and net-worth tracking are not its core purpose.
How to choose
Match the app to your habit. If you actively save across several places and want one honest total plus FSCS safety, Oinkly is built for that. If budgeting comes first and savings ride along, Emma fits. If you want free bill-saving tips more than detailed savings tracking, Snoop is a good free companion. Many people happily use a spending app and a dedicated savings tracker side by side.
Frequently asked questions
What is the best savings tracker app in the UK?
For tracking savings, ISAs and Premium Bonds in one figure and staying within FSCS limits, Oinkly is a strong choice. Emma suits budgeting-first savers and Snoop suits free bill-saving. Based on publicly available information, check each provider for the latest.
Can I track savings without connecting my bank?
Yes. Oinkly lets you add and update balances manually, so you never share bank logins. This also covers Premium Bonds and accounts that do not connect through open banking. Snoop and Emma are more open-banking led.
Can a savings app track my cash ISA and Premium Bonds?
Oinkly is designed to include cash ISAs, Premium Bonds and other savings in one total, on the relevant plan. Other apps vary in coverage, so check each provider for the latest details.
Do savings tracker apps help with FSCS limits?
Oinkly monitors the £120,000 per-licence FSCS limit and flags when banks share a licence and your protected total nears £120,000. Try the FSCS limit checker. This is not a standard feature in most spending-focused apps.
Are savings tracker apps free?
Snoop is free and Emma has a free tier. Oinkly is a paid app from £2.99 a month with a 7-day free trial. See our pricing page for what each plan includes.