Emma vs Money Dashboard
Emma vs Money Dashboard: What Should You Use Now?
This comparison has a catch: Money Dashboard closed its consumer apps on 31 October 2023 and now runs open-banking services for businesses only. It was a well-liked UK aggregator that linked every account into one budgeting view. Emma is a live app that does much the same job today. So the real question is not which is better, but where Money Dashboard’s old users should land.
Emma vs Money Dashboard: feature comparison
Feature comparison of Emma, Money Dashboard and Auritrack
| Feature | Emma | Money Dashboard | Auritrack |
|---|---|---|---|
| AI chat expense tracking | No | No | Yes |
| AI bookkeeping & categorization | Auto-categorization rules, not chat | Rule-based auto-categorization | Yes |
| Automatic bank sync | YesOpen banking; more logins on paid tiers | YesAggregated all UK accounts via open banking (discontinued) | On the roadmap; statement import today |
| Bank-statement import (PDF/CSV/Excel) | NoConnect accounts rather than upload files | No | YesPDF, CSV or Excel, read by AI |
| Budgeting | Yes | YesBudgets and spending analysis | Yes |
| Savings goals | YesPots and savings goals | Partial | Yes |
| Invoicing | No | No | Small-business records and reports |
| Receipt scanning | No | No | Yes |
| All currencies with live conversion | YesMultiple currencies and accounts | NoUK, sterling-focused | YesLive exchange rates |
| Data export (PDF/CSV) | CSV export on paid tiers | YesCSV export (before closure) | YesPDF and CSV anytime |
| Telegram tracking | No | No | Yes@auritrack_bot |
| Investment tracking | Net worth and connected accounts | No | No |
| Shared / household accounts | Invite people on Ultimate | No | Yes |
| Sells your data to advertisers | No | No | No |
| Price | Free + Plus £4.99/mo | Was free (discontinued) | Free tier + AI from $3/mo |
Which of the two should you pick?
Where Emma wins
- Still active and maintained, unlike Money Dashboard
- Connects many bank accounts in one view
- Automatic subscription and bill detection
- Multi-currency and available beyond the UK
Where Money Dashboard wins
- Aggregated every UK account in one clean view
- Strong spending analysis and budgeting
- Was free, funded by anonymized business insights
- A familiar home for years of UK users (now closed)
A third option: Auritrack
If you left Money Dashboard for the aggregation and budgeting, Emma is the closest live like-for-like. Auritrack takes a different angle: its AI logs and categorizes spending from a chat message or an uploaded statement, so if you saved a Money Dashboard CSV export the AI can rebuild your history. It has no live bank sync yet, so it trades a bank-login feed for statement import, on a free tier with AI plans from $3/month.
The verdict
Money Dashboard is gone, so this is about where to move. Emma is the natural replacement if you want the same live, all-accounts-in-one-view budgeting. If what you valued was the automatic tracking rather than the bank connections themselves, an AI tracker like Auritrack can rebuild your history from an export and keep logging by chat or statement.
Frequently Asked Questions
Want to dig into one of them on its own? Read the Emma guide or the Money Dashboard guide, each an honest look at where that tool wins and where Auritrack fits.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice.