Gemma
Link banks with TrueLayer
Connect current accounts and cards through Open Banking. Sync, reconnect, or remove each account on its own. Free plans include two linked accounts; Premium is unlimited.
Personal finance for one household
See what’s left after the bills.
Gemma is a focused budget manager. Link UK banks and categorise every payment, and keep a monthly cap — then plan around goals and upcoming cashflow. Gemma never moves money between accounts.
Free to start · 2 linked accounts · 7-day Premium trial, then £4.99/month
Bank tokens encrypted at rest for security.
Optional authenticator MFA for account security.
The AI Agent answers household money questions.
Features
Everything you need to run a household budget.
Free covers day-to-day money: accounts, payments, categories, recurring bills, and leftover spend. Premium unlocks planning and AI.
Transactions & categories
Payments import with categories and merchant matching. Recategorise a payee once and Gemma remembers it on the next sync. Hide transfers or noise from spending.
Budgets, pace & alerts
Set a household monthly cap and per-category limits. Gemma shows how you are tracking through the month and raises alerts when you near or pass a cap.
Recurring payments
Weekly and monthly series surface so direct debits and subscriptions are not a surprise. Override spend kind on a series when the default is not right .
Savings goals
Set fund objectives and meet your saving goals. Track manual contributions or a linked savings balance.
Premium
Cashflow calendar
Walk the next 30, 60, or 90 days from live balances plus known repeating payments. See whether a purchase fits before you commit.
Premium
Weekly digest
A Monday - Sunday spending summary for the household. Get an indepth report on your spending and get insights into your financial health.
Premium
Finance-scoped Agent
An AI assistant integrating with Gemma's data and capabilities. It can answer questions about budgets and spending, create visulisations and charts and organise payments.
Premium
What’s left
Income, minus bills, minus goals.
Payments are tagged Income, Fixed / essentials, or Flexible / discretionary. The dashboard leftover is this month’s room to spend.
01 · Income
What came in
Incoming credits and the Income category count as money available this month.
02 · Fixed
Bills first
Housing, bills, groceries defaults, transport, and marked direct debits sit in essentials.
03 · Flexible
Then leftover
Active goal set-asides come off next. What remains is discretionary room for the household.
On every plan. Hidden payments stay out of leftover math, same as budgets.
Pricing
Free for the daily budget. Premium for planning.
New Premium starts with a 7-day free trial, then £4.99/month. Cancel in Settings while you are still entitled until the period ends.
Free
£0 to start
Dashboard, accounts, transactions, recurring, categories, split, and settings.
- 2 linked bank accounts
- Categories, recategorise, hide from spending
- Monthly caps, pace, and budget alerts
- Recurring series and leftover split
- Optional authenticator MFA
Premium
£4.99 /month after a 7-day trial
Unlock Goals, Cashflow, Digest, and the spending Agent. Unlimited linked accounts.
- Everything on Free
- Unlimited linked accounts
- Goals — sink funds and contributions
- Cashflow — 30–90 day bill calendar
- Weekly digest
- Spending Agent.
Entitlement is updated by verified Stripe. Manage or cancel in the Stripe Customer Portal from Settings.
Privacy & security
Your household data stays yours.
Your data stays yours and you can request a data export or delete your account and data at any time.
- Open Banking Connecting you to your bank accounts.
- MFA Optional TOTP authenticator to secure your account.
- Billing Stripe holds card details. Gemma stores status and period end only.
- Export & delete Download a data export or delete the account from Settings.
Start with a free household budget.
Create an account, verify your email, and connect a bank. Upgrade when you want premium features.