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Free CSV import · 12 months of history preserved · Same Open Banking rails
Open Banking budgeting built for the UK.
Connect every UK current account in one app. Track Direct Debits, prepare HMRC Self-Assessment, plan around payday. FCA-regulated. UK GDPR-native. Built in Birmingham.
No credit card required • Free forever plan
Powered by TrueLayer — every UK bank via Open Banking
Barclays
HSBC
Lloyds
NatWest
Santander
Halifax
Monzo
Starling
Revolut
First Direct
Nationwide
TSB
+ all CMA9 banks and 30+ challenger banks and building societies
Why UK users are leaving Emma, Snoop and Money Dashboard
Emma went paid-only
Emma killed its free tier in 2024 and pushed everyone to £9.99/month Pro. We are £5.99 and still have a free plan.
Money Dashboard shut down
The original UK budgeting pioneer closed in 2022. Their users have been looking for a permanent replacement since.
We build in Birmingham
Built in the UK, by UK developers, with UK tax law in mind. Not an American app bolted onto Open Banking as an afterthought.
Built for British finances
Open Banking via TrueLayer
FCA-regulated AISP integration. Read-only access to your accounts using the official UK Open Banking standard — the same rails Monzo and Starling use internally.
Direct Debit Finder
Surface every standing order, Direct Debit and recurring card payment hiding in your statements. The average UK adult wastes £265 a year on forgotten subscriptions — we find them in minutes.
HMRC Self-Assessment Tracker
For Self Employed and Sole Traders. Tag expenses as Allowable, Capital or Personal. Export a Schedule of Expenses ready for your January 31 deadline.
Payday Planner
Tell us your salary date — weekly, fortnightly, four-weekly or monthly. We project your end-of-cycle balance and warn you 5 days before you go red.
Council Tax & Utility Bills
Specific UK bill categories: Council Tax, TV Licence, Water, Gas, Electricity, Broadband. Set alerts when bills jump more than 10% month on month.
Multi-Currency for Travel
Hold AED, EUR, USD wallets alongside GBP. Perfect for expats, frequent travellers and anyone using Wise, Revolut or Starling FX.
40% cheaper than Emma Pro
PocketSpend
£5.99/mo
or £59.99/year
Emma Pro
£9.99/mo
No free plan since 2024
Snoop Plus
£5.99/mo
No HMRC tracking
What UK users are saying
“I switched from Emma after they raised prices to £9.99. PocketSpend does everything Emma did — plus HMRC tracking for my side hustle — at £5.99.”
Sarah Bennett
Marketing Manager, London
“The HMRC Self-Assessment tracker saved me 14 hours in January. I tag expenses all year, export a CSV, paste into my Self-Assessment. Done.”
James Whitaker
Freelance Designer, Manchester
Frequently asked questions
Is this FCA regulated?▼
Our Open Banking provider TrueLayer is FCA-authorised as an Account Information Service Provider (AISP, FRN 793171). We never see your banking credentials — you log in directly with your bank.
Which UK banks are supported?▼
All CMA9 banks (Barclays, HSBC, Lloyds, NatWest, Santander, RBS, Nationwide, Danske, AIB), plus Monzo, Starling, Revolut, First Direct, Halifax, TSB, Co-operative Bank, Metro Bank, Virgin Money and 30+ more.
How much does it cost?▼
Free plan with one bank connection. Personal Premium is £5.99/month versus Emma at £9.99 or Snoop at £5.99. Business tier with HMRC tracking is £8.99/month.
How is this different from Emma or Snoop?▼
Emma raised prices to £9.99 in 2024 and dropped the free plan. Snoop costs £5.99 but has no HMRC tracking. Plum and Chip are savings apps, not full budgeting. PocketSpend gives you budgets, subscription finder, HMRC tools and multi-currency for less.
Does it work with Monzo and Starling?▼
Yes — both connect via Open Banking and refresh automatically every 90 days as required by PSD2. You will be asked to re-authenticate every 90 days, same as Emma and Snoop.
Is my data safe under UK GDPR?▼
Yes. We are a UK GDPR data controller. We use TrueLayer (read-only, never able to move money), AES-256 encryption, and we have never sold user data — unlike Money Dashboard which closed in 2022 partly because their ad-supported model collapsed.
Built in Birmingham. Used across Britain.
Free forever plan. No credit card. UK GDPR-native.