Gemma
-£54.20
See what’s left after the bills.
Gemma helps you see where the household money goes. Link your UK bank accounts, sort payments into categories, and set a monthly budget. You can plan savings goals and look ahead at bills. Gemma never moves money between your accounts.
Free to start, with 2 linked accounts. Premium is a 7-day trial, then £7.99/month.
Encrypted bank link
The link to your bank is encrypted when we store it.
Extra sign-in
Add an authenticator app for extra protection when you sign in.
Ask about your money
Ask Gemma questions about your household money.
Your money stays put
Gemma never moves money between your accounts.
£0
Free to start
2
Accounts on Free
£7.99
Premium a month
Features
Everything you need for the household budget.
Free covers everyday money: your accounts, payments, categories, regular bills, and what’s left to spend. Premium adds planning tools, and a helper that can answer questions about your money.
Link your banks
Connect current accounts and cards through Open Banking. You can refresh, reconnect, or remove each account on its own. Free includes two linked accounts. Premium includes as many as you need.
Payments and categories
Payments come in with categories, and shops are matched for you. Change a shop once and Gemma remembers it next time. You can hide transfers so they don’t count as spending.
Budgets and alerts
Set a monthly budget for the household, and a limit for each category. Gemma shows how you’re getting on through the month, and lets you know when you’re close to a limit or over it.
Regular payments
Weekly and monthly payments show up here, so direct debits and subscriptions aren’t a surprise. If one is labelled the wrong way, you can correct that series.
Savings goals
Set a goal and follow your progress. Add money yourself, or follow the balance in a linked savings account.
Included with PremiumBills coming up
Look ahead 30, 60, or 90 days. Gemma uses your current balances and the regular payments it already knows about, so you can see whether a purchase still fits.
Included with PremiumWeekly summary
A Monday to Sunday summary of household spending, so you can see where the money went.
Included with PremiumAsk about your money
A helper that uses your Gemma information. It can answer questions about budgets and spending, show charts, and help organise payments.
Included with PremiumPricing
Free for everyday budgeting. Premium when you want to plan ahead.
New Premium starts with a 7-day free trial, then £7.99/month. You can cancel in Settings and keep Premium until the end of the period you’ve paid for.
Free
£0 to start
Your home screen, accounts, payments, regular bills, categories, what’s left to spend, and settings.
- 2 linked bank accounts
- Categories, change a shop’s category, and hide payments from spending
- Monthly limits, a check on whether you’re on track, and budget alerts
- Regular payments, and a clear picture of what’s left
- Optional extra sign-in with an authenticator app
Premium
£7.99 /month after a 7-day trial
Savings goals, a look ahead at bills, a weekly summary, and a helper you can ask about your spending. Link as many accounts as you need.
- Everything on Free
- Unlimited linked accounts
- Savings goals — money you add, or a linked savings balance
- A 30, 60, or 90 day view of upcoming bills
- Weekly summary of your spending
- Ask questions about your spending
Your plan updates once Stripe confirms the payment. Manage or cancel from Settings, which opens Stripe’s billing page.
Privacy & security
Your household data stays yours.
You can download a copy of your data, or delete your account and the information we hold, whenever you want.
- Open Banking. A secure way to connect your bank accounts.
- Extra sign-in. You can add an authenticator app to protect your account.
- Billing. Stripe holds your card details. Gemma only stores whether you’re subscribed, and when the period ends.
- Download or delete. Get a copy of your data, or delete your account, from Settings.
Start with a free household budget.
Create an account, confirm your email, and connect a bank. Upgrade when you want the planning tools.