Simple, honest pricing
Start free — really free. Upgrade to EMOH Pro when you want your bank transactions imported automatically and deeper AI insight.
Get started free➜ Try the web app➜
| What you get | Free | EMOH Pro |
|---|---|---|
| Budgets & expense tracking | ✓ | ✓ |
| Net worth & savings goals | ✓ | ✓ |
| Family Account Sharing | ✓ | ✓ |
| Daily Money Digest & reports | ✓ | ✓ |
| Web app + mobile sync | ✓ | ✓ |
| Automatic bank sync (Plaid) | — | ✓ |
| Advanced Ask AI analysis | — | ✓ |
| Price | $0 | $4.99/month · cancel anytime |
Rated ★★★★★ by our users
Frequently asked questions
How much does EMOH Pro cost?
EMOH Pro is just $4.99/month (see current pricing in the app — cancel anytime). It unlocks automatic bank sync via Plaid and advanced AI features.
Can I stay on the free plan forever?
Yes. Budgets, expense tracking, net worth, goals, family sharing and the daily digest are free to start — no time limit, no trial games.
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 should you know about everyday budgeting?
Everyday budgeting comes down to three habits: know what comes in, decide where it goes, and check in daily. EMOH Pay makes all three effortless — free expense tracking and budgets on phone and web, a Daily Money Digest each morning, and bank-grade AES-256 security throughout.
Everyday budgeting: the essentials
Money works better as a team sport — shared live numbers end the guesswork and the arguments.
AES-256 encryption, read-only bank connections and PIPEDA-grade privacy keep your data yours.
You can start everyday budgeting today at $0 — no card required, on iPhone, Android or the web.
The first win in everyday budgeting is simply seeing where money goes. Tracking alone typically surfaces 10–15% of easy savings.
Real spending, really tracked
From the morning coffee to the monthly rent — Canadians log, tag and learn from every expense on EMOH Pay.
Everything you need for everyday budgeting
Track Smart, Spend Smart! The complete toolkit, free to start:
Ask questions about your own spending in plain language and get instant answers.
Log any expense in two taps — or let bank sync do it automatically. Every dollar gets a category.
Digital envelopes for groceries, rent and fun, with gentle alerts before you overspend.
One calm summary every morning: what you spent, what's left, what needs attention.
Everyone sees the same live numbers, each with their own login. Free forever.
Assets minus debts, always current — watch the number that actually measures progress.
How to start everyday budgeting with EMOH Pay
Four small steps, five minutes total:
Real everyday budgeting problems we actually solve
Everyday budgeting that fits real life
Money habits only stick when they fit the life you already live. EMOH Pay was built for the checkout line, the kitchen-table conversation and the Sunday five-minute review — not for accountants. Two taps to log an expense, one glance to know where you stand.
Get started free➜ See how it works➜Your money data, protected like a bank's
The same encryption standard banks use, protecting your data at rest and in transit.
Bank connections run through Plaid and can only read transactions — never move money.
Built in Canada to Canadian privacy law. Your data is yours — never sold, ever.
Track Smart, Spend Smart!
Start on Free. Stay as long as you like.
Upgrade only when automatic sync would save you time. Checkout is secure via Stripe.
Download for iOS➜ Get it on Android➜