Full budgeting app vs focused subscription finder
Full budgeting platform
Emma connects to your bank accounts via Plaid to track spending, set budgets, and identify subscriptions. It's a comprehensive financial app.
$4.99-$9.99/month (or $59-$99/year)
Free tier is limited. Full subscription tracking requires Emma Plus or Emma Pro.
Popular in UK and US
Originally launched in the UK with Open Banking, now available in the US via Plaid integration.
| Just Cancel | Emma | |
|---|---|---|
| Price | $5 once | $4.99-9.99/month |
| 1 year cost | $5 | $59-$119 |
| Bank connection | No — CSV/PDF upload | Yes — Plaid/Open Banking |
| Cancel links | Yes — 440+ services | No |
| Purpose | Find & cancel subs | Full budgeting |
| Data stored | Browser only | Emma servers |
Paying $9.99/month for an app to find subscriptions you're wasting money on adds $120/year to your subscription pile. That's the very problem you're trying to solve.
Just Cancel costs $5 once. Find your subscriptions, cancel the ones you don't want, move on. No new recurring charge to manage.
If you want ongoing budget tracking, spending insights, and investment monitoring across multiple accounts — Emma is a solid tool. It does much more than subscription tracking.
But if you just want to find and cancel subscriptions right now, that's a $5 problem, not a $120/year commitment.