EMOH Pay FAQ

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.

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.

Yes. EMOH Pay uses AES-256 encryption, bank connections are read-only through Plaid, and the app is built to Canadian PIPEDA privacy standards.

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.

Automatic bank sync via Plaid and advanced Ask AI analysis, for just $4.99/month. Everything else is in the free tier.

Yes — Family Account Sharing is included free. Each member gets their own login; budgets and expenses stay shared in real time.

148 currencies with automatic conversion — ideal for newcomers, expats and travellers.

Yes — EMOH Pay separates the GST/HST portion of expenses automatically, by province, which self-employed Canadians love at tax time.

Yes — export transactions and summaries for Excel, Google Sheets or your accountant.

Yes, a full web app at app.emohpay.com — same account, live sync with mobile.

Settings → Account → Delete, or see the account removal page on emohpay.com. Deletion is permanent and PIPEDA-compliant.

EMOH PAY INC., a Canadian company. Track Smart, Spend Smart!

Tap the green + button on any screen, enter the amount, pick a category and save. It takes two taps and works the same on iPhone, Android and the web app. Your budgets and reports update instantly.

Open Budgets, tap Add budget, choose a category (groceries is a great first one) and set a monthly amount. Start with your top 3-5 spending categories — you can add more anytime, and EMOH alerts you gently before you overspend.

Open Income and tap Add income. Enter your pay amount and how often it arrives — EMOH uses it to show what is left to spend and whether you are spending less than you earn.

Open Net Worth and add your assets (bank accounts, TFSA, RRSP, property) and liabilities (cards, loans, mortgage). EMOH calculates assets minus debts and keeps the number current as you track.

Go to Settings → Family and tap Invite member. They get their own secure login, and you choose what is shared. Family sharing is included free — everyone sees the same live numbers.

Bank sync is part of EMOH Pro (just $4.99/month). Upgrade in Settings → Plan, then connect your Canadian bank through Plaid. The connection is read-only — EMOH can see transactions but can never move money.

Open Reports, pick the month or period, and tap Export PDF or Export Excel. The GST/HST tracker keeps the tax portion of every expense separated so tax season is already organized.

Tap Ask AI in the app header and ask a question in plain language — like "what was my biggest expense last month?" or "am I on track this week?". It answers from your own data instantly.

Open Plan → Goals, name the goal (vacation, emergency fund, down payment), set a target amount, and contribute whenever you can. The progress ring shows exactly how close you are.

Add accounts in any of 148 currencies and EMOH converts them automatically, so your budgets and net worth stay accurate across countries — ideal for newcomers and families supporting relatives abroad.

Just log in with the same account at app.emohpay.com — everything syncs instantly in both directions. Track on your phone in the checkout line, review on the web at your desk.

EMOH Pro is just $4.99/month and adds automatic bank sync via Plaid and advanced Ask AI analysis. Everything else — budgets, tracking, net worth, family sharing, GST/HST — is in the free tier, and you can cancel anytime.