Handling savings

How Emma handles your savings depends on whether your savings account is connected.

My savings account is connected to Emma

Transfers between your current account and a connected savings account go into the Transfer category automatically. They aren't counted as spending or income, so your analytics don't count the same money twice.

My savings account isn't connected to Emma

Transfers to a savings account that isn't connected show as outgoing transactions from your current account. To stop them counting as spending, change their category to Transfer. See Change a transaction category.

You can also track the account as an offline account and set up a Smart Rule, so each regular transfer is added to it and its balance updates automatically. Offline accounts and Smart Rules are available on Emma Pro and Emma Ultimate.

How do I include saving in my budget?

Lower your total budget by the amount you want to save each period. For example, if your budget is £1,000 and you want to save £200, set your budget to £800.

If you'd rather see your savings as a line in your budget, categorise the transfers as Investments, or create a custom category called "Savings" on Pro or Ultimate.

Can I save with Emma?

If you live in the UK, you can open savings Pots in the app, including Easy Access, 45 Day Notice and Cash ISA Pots, and use Autosave to put money aside automatically. See What are the different types of Emma Pots?

Updated on: 27/10/2026