Take control of your money, on every device.
EMOH Pay is the Canadian budgeting app that's free to start — track expenses, set budgets, grow net worth and share with family. On your phone in your pocket, on the web at your desk, always in sync.
Calculate your net worth, easily.
Keep an eye on your assets, track your income, and understand your financial position — all in one place. Whether you're planning the future or just staying on top of your money, EMOH Pay keeps the number honest and current.
View net worth tracking➜
Make reports of your monthly expenses.
One tap and your month becomes a clear picture: income against expenses, budget performance by category, your biggest merchants — exportable to PDF or Excel whenever you need it.
See smart reports➜
Connect your bank account with the app.
On EMOH Pro, your Canadian bank connects securely through Plaid — transactions import and categorize themselves. Prefer manual? Two taps per expense, free forever.
How bank sync works➜Your journey to financial confidence
Track Smart, Spend Smart! Everything you need, nothing you don't:
Two taps to log anything — or automatic with bank sync. Tag expenses for household members.
Allocate budgets by category — groceries, utilities, rent — with gentle alerts before you overspend.
148 currencies with automatic conversion, for families managing money across countries.
Set savings goals for vacations and emergencies. The Daily Money Digest keeps you moving.
The tax portion of every expense, separated automatically — freelancers, meet a calmer tax season.
Everyone sees the same live numbers. Money conversations get easier when the picture is shared.
Real spending, really tracked
From the morning coffee to the monthly rent — Canadians log, tag and learn from every expense on EMOH Pay.
How EMOH works
Managing money should be effortless. Four small steps, five minutes total:
Money problems we actually solve
Real questions from real people — and how EMOH Pay answers them:
One account. Every screen.
Phone in your pocket, web app on your laptop — the same live numbers everywhere, synced the second anything changes.
Rated ★★★★★ by our users
Canadian money, made simple
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Follow the journey
Money tips, app updates and 30-second Reels — join the EMOH Pay community. #EMOHPay #SpendSmart
Frequently asked questions
Is EMOH Pay free?
EMOH Pay is free to start on iPhone, Android and the web — budgeting, expense tracking and net worth included. EMOH Pro adds bank sync via Plaid and advanced AI for just $4.99/month.
Does EMOH Pay work on my computer?
Yes. EMOH Pay has a full web app, so you can use it on your laptop or desktop — and everything syncs instantly with the mobile app on your phone.
Is my financial data safe?
Yes. EMOH Pay uses AES-256 encryption, bank connections are read-only through Plaid, and the app is built to Canadian PIPEDA privacy standards.
What is EMOH Pay?
EMOH Pay is a Canadian personal finance app for budgeting, expense tracking, net worth and family money sharing — free to start on iPhone, Android and the web.
What does EMOH Pro include?
Automatic bank sync via Plaid and advanced Ask AI analysis, for just $4.99/month. Everything else is in the free tier.
Does EMOH Pay support family sharing?
Yes — Family Account Sharing is included free. Each member gets their own login; budgets and expenses stay shared in real time.
Start free today
Free on iPhone, Android and the web. Upgrade to EMOH Pro anytime for bank sync and advanced AI.
Download for iOS➜ Get it on Android➜