Tweed vs Emma
An Emma alternative that plans further ahead
Emma is a tidy tracker, but it stops at the present. Tweed keeps the clean picture and adds the forecasting and wealth planning that tell you where you are heading.
Why people move to Tweed
One private picture, and the long view.
- See the month before it happens with an 18-month cashflow forecast.
- Model the what-ifs in the Lab: a car on finance, a salary change, a windfall.
- Track your net worth and your ISA and pension allowances over the long game.
- Private via CSV import, with no open-banking connection required.
Side by side
Tweed vs Emma
An honest comparison of what each one does. Figures are indicative, not a promise.
| Feature | Tweed | Emma |
|---|---|---|
| Built for the UK | Yes | Yes |
| Works from a CSV, no open banking | Yes | No |
| Zero-based budgeting | Yes | Yes |
| Cashflow forecast | 18-month runway | No |
| Scenario planning | The Lab | No |
| Net-worth & wealth planning | Yes | Tracking only |
| AI categorisation & insights | Optional (Pro) | No |
| Still available | Yes | Yes |
| Price | Free while in beta | From about £5/mo |
Questions
Switching from Emma
The things people ask before they move.
What does Tweed do that Emma does not?
Tweed adds cashflow forecasting, scenario planning and long-term wealth planning on top of tracking and budgeting, all built for UK households.
Does Tweed connect to my bank like Emma?
No. Tweed uses CSV import rather than open banking, which is a deliberate privacy choice.
Can I switch from Emma easily?
Yes. Export your transactions as CSV and import them into Tweed to keep your history.
Invite-only beta
See the whole cloth.
Bring your accounts into one private picture, from the statements you already have.