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Budgets & Subscriptions
Set budgets and track recurring payments.
How to setup budgets
This works the same for 🇺🇸🇨🇦🇬🇧. Once your Emma account is linked to a financial institution, creating budgets is extremely simple. These are the steps: Login to the app. Go to Analytics tab, which is the second tab from the left. Click on the top right button: "Budgets" Click on "Create budgets" and you will see the following screen: !(https://st
How do I add a subscription?
Emma is able to detect every recurring payments you might have, from direct debits to standing orders to normal purchases. However, we might make some mistakes from time to time, so if we are not able to detect a recurring payment for you, there is an option to add it. Adding a subscription Scroll down to your list of subscriptions and click 'view all'. Here you can scroll down to the bottom and where it says "Anything missing? Add your own" you can add a subscription. !(htt
What are inactive subscriptions?
Subscriptions can be active or inactive. If Emma detects them as inactive, this means that you are no longer being charged. This could be for example an old energy provider or mobile contract which you are not currently using. !(https://storage.crisp.chat/users/helpdesk/website/a11d08d8-776b-4622-a7e6-c05cac859120/070bdb47-a85f-49fd-814c-d8a5e6cb6e70.pn
How do I edit a subscription?
To edit a subscription you will need to scroll to the bottom of your 'Feed' tab and click 'See All' next to subscriptions. From here you can click into any subscription listed and edit in from the top right hand corner. You can remove subscriptions, tell Emma when something is not a subscription, change the frequency and edit the prediction (change the amount). In Emma you can see Active and Inactive Subscriptions. !(https://storage.crisp.chat/users/helpdesk/website/a11d08d8-776b-4622-a
How to disable budgets
Budgets can be set and also changed. If you want to reset all your budgets in one go, see steps below: Click the 'Analytics' tab. Select 'Budgets' in the top right corner. Scroll down the list and you will see the "Disable" button at the bottom.
How do I see past spending?
If you would like to see a summary of your past spending you can follow these simple steps: Go to 'Analytics' Swipe right to see your income, spending and summary for previous months. At the bottom of each month you will see how much you spent in each category and the merchants where you shopped. Your history length will depend on the bank you have connected, however, this can go up until 1 year ago. If you are having problems with your account, feel free to contact us via our live chat
Why can't I add more than one payday?
To set the budgeting period, we only need one payday. Any income that you receive will be tracked by Emma, regardless of whether it's received on payday 💰💰 If you want your total budget to include income not received on your selected payday, amend your total budget by going to the 'Analytics' tab -> 'Budgets' -> 'Total Budget' If you need help, reach out to us via chat and we'd be happy to help 😉
How should I handle savings?
Well hey there you saver! Not sure how to handle savings in Emma? Look no further. How you treat your savings will depend on whether you have the savings account connected in Emma. My savings account is connected to Emma If your savings account is connected to Emma, all transfers to this account will automatically be categorised as 'Excluded'. We do this so the transfers is not double-counted in your analytics. To account for your savings in Emma, decrease your total budget by