Oinkly vs Emma
Oinkly vs Emma compared fairly for UK users. Net-worth and savings tracking without bank logins versus budgeting and subscription control. Honest pros and cons.
Oinkly and Emma solve different problems: Oinkly focuses on savings and a single net-worth figure across accounts, ISAs, pensions and property without bank logins, while Emma focuses on budgeting, spending analysis and cancelling unwanted subscriptions.
At a glance
| Feature | Oinkly | Emma |
|---|---|---|
| Main focus | Savings and net worth | Budgeting and subscriptions |
| Net-worth figure | Core feature | Available alongside spending |
| ISAs, pensions, property, Premium Bonds | Included in one total | Coverage varies |
| Works without bank logins | Yes, add balances manually | Open-banking led |
| Subscription cancelling | Not a focus | Yes, a key feature |
| FSCS limit alerts | Yes | Not a stated focus |
| Pricing | From £2.99/mo, 7-day trial | Free + paid tiers |
Based on publicly available information as of July 2026. Check each provider for the latest.
What each app is for
Emma is a well-established UK all-in-one app built around day-to-day money. Its strengths are budgeting, categorising your spending, and finding subscriptions you have forgotten to cancel. It includes a net-worth view too, but that sits alongside its spending tools rather than being the main purpose.
Oinkly is a UK-built savings and net-worth tracker. Its whole job is to bring every account, ISA, pension, Premium Bond, property and asset into one net-worth figure you can watch grow, and to keep your savings inside the FSCS protection limit. If you want to see the number first, try our net worth calculator.
Bank logins and privacy
This is the clearest difference. Emma is open-banking led, so it connects to your accounts to pull transactions automatically, which is what makes its budgeting tools work. Oinkly takes the opposite approach: you add balances manually, so you never share bank credentials. That is slower to set up but appeals to people who value privacy, and it means Oinkly can hold things open banking struggles with, like Premium Bonds, a workplace pension estimate or a property value.
Savings and FSCS protection
Because Oinkly is built around savings, it includes FSCS-limit monitoring. It flags when banks share a banking licence and your protected total nears £120,000, so you can spread money before you lose cover. That is not something a budgeting-first app typically sets out to do. You can test it with our FSCS limit checker. Full net-worth tracking, ISAs, pensions and property sit on Oinkly's Big Pig tier; see pricing.
Which should you choose
Choose Emma if your priority is budgeting, understanding your spending and cutting subscriptions, and you are happy connecting accounts. Choose Oinkly if your priority is savings and a single, honest net-worth figure across everything you own and owe, without bank logins. Plenty of people use a budgeting app for daily spending and a tracker like Oinkly for the bigger picture, and there is nothing wrong with running both.
Frequently asked questions
Is Oinkly better than Emma?
Neither is better overall; they do different jobs. Oinkly is built for savings and net-worth tracking without bank logins, while Emma is built for budgeting and subscription control. Choose the one whose main purpose matches yours.
Does Oinkly connect to my bank like Emma?
No. Emma is open-banking led and connects to pull transactions. Oinkly works without bank logins; you add balances manually, which keeps your credentials private and covers assets open banking cannot reach.
Can Emma track my net worth?
Emma offers a net-worth view alongside its budgeting tools. Oinkly makes net worth the central feature, including ISAs, pensions, Premium Bonds and property in one total. Check each provider for the latest coverage.
Does Emma have FSCS limit alerts?
Based on publicly available information, FSCS-limit monitoring is not a stated focus for Emma. Oinkly includes it and flags shared banking licences as you approach £120,000. Try the FSCS limit checker.
How much does each cost?
Emma has a free tier plus paid tiers. Oinkly starts at £2.99 a month with a 7-day free trial, with net-worth tracking, ISAs, pensions and property on the Big Pig tier. See our pricing page.
Can I use both apps together?
Yes. Many people use a budgeting app such as Emma for daily spending and Oinkly for savings and their overall net-worth picture. They complement each other rather than clash.