2026-08-26 · 4 min read
An Emma app alternative without the bank connection or the upsells
Emma is a bank-linked assistant with several paid tiers. If you want to track subscriptions and know what's safe to spend without connecting your bank, here's a simpler, privacy-first option.
Emma does a lot, and to do it, it connects to your bank accounts and layers several paid tiers on top. Two common frustrations follow: you have to hand over open-banking access to get value, and the experience nudges you toward upgrades. If you want less of both, you want a tracker that starts useful and stays out of your bank.
What's different about DUE
DUE never connects to a bank. You add bills and income yourself, or by scanning a document, and it shows a single 'safe to spend' number plus renewal and price-change alerts. Multi-currency is built in, which matters if you use Revolut or Wise, where bank-linked apps often stumble.
- No open-banking connection to grant, re-authorise every 90 days, or worry about.
- A clear safe-to-spend figure instead of a dashboard you have to interpret.
- Household sharing for couples, and it installs on any phone or laptop.
Honest about the trade-off
A bank-linked app can auto-import transactions; DUE asks you to add what you want to track. For most people who just want to catch renewals and stop being surprised, that's a couple of minutes a month — and nothing to disconnect.
Common questions
- Is there an Emma alternative that doesn't link my bank?
- Yes. DUE tracks bills, subscriptions and income from what you add or scan, and shows a safe-to-spend number — with no open-banking connection to grant or re-authorise.
- Does DUE have tiers and upsells like Emma?
- DUE has a generous free plan and a single Plus upgrade for more AI scans and calmer reminders. Core tracking, reminders and safe-to-spend are free.
- Does DUE handle multiple currencies?
- Yes — it's multi-currency by design, which helps if you use Revolut or Wise, where bank-linked apps often struggle.
Know what's coming. Keep what's yours.
DUE tracks every bill and renewal, then tells you what's safe to spend today.
Start free