Personal, not shared
No household, split or settle-up concept.
SharedNest vs Emma
An Emma alternative for money shared between people
UK-first spending tracker for one person.
Emma pulls your UK and European accounts together and nudges you about waste. It is a good personal lens on your own spending.
SharedNest looks outward instead: the costs you carry with someone else, how they are split and what the household owes itself this month.
What Emma does well
- Wide UK/EU bank coverage
- Subscription and waste alerts
- Slick mobile app
Where households outgrow it
Paid tiers for depth
Budgeting depth sits behind a subscription.
No private-versus-shared distinction
Everything is simply yours.
Emma vs SharedNest, side by side
| Feature | Emma | SharedNest |
|---|---|---|
| Income-weighted splits | Not supported | Any ratio you choose, applied automatically to every shared expense |
| Private expenses | Single-user app | Mark any expense private — it counts for you, stays invisible to the household |
| Shared household | Not supported | Core feature |
| Open banking required | Yes for value | No |
| Price | Free tier plus paid | Free while we build |
Who SharedNest is for
Couples in the UK and Europe who need the shared half of the picture.
Switching from Emma
Use Emma for your own accounts if you like; run the household here.
Questions people ask
- Does SharedNest support euros and pounds?
- Yes, you choose the currency you track in.
- Is open banking used?
- No, expenses are entered or imported.
- Can I use it solo?
- Yes.
Ready to align on money — for good?
Free while we build — every feature included. Invite your partner and set up your household in under 5 minutes.