What important features are we missing?

Refund Expected

This is a feature no bank or credit card currently has, but my idea would be to help users cope with the ever growing ecommerce industry where returns are common.

If we could flag an outgoing payment as “Refund expected” and if that refund doesn’t come back within 14 days, (standard window) then a notification is created alerting the user to chase up the supplier.

This would resolve people either never checking their statements and potentially losing money to ecommerce businesses not refunding, and saving lots of time for those that do check.

Further down the line, it could go one step further and add an API connection to trigger a “reverse charge” request with the credit card provider if the supplier doesn’t refund.

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The app already handles this use case and sends a notification when it detects a refund; isn’t this working for you?

Hi

Yes I get those refund notifications, thank you.

What I mean is;

Let’s say I order some jeans online.
I try them on, they don’t fit.
I return them.
((New feature)) go to Emma app, select the transaction and mark it as “refund expected”
Refund arrives and notification as usual.

But, in the background a soft timeline of 14 days commences when the above feature of marking the original transaction is created, and if that refund ‘doesn’t happen’ within 14 days, a notification alerts the user “expected refund not arrived yet”.

This will give a nudge to the user to email the ecommerce seller to chase the refund.

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Yes, I get you!

Thanks this makes sense; I’ll pass it to the product team. :smiley:

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Great stuff Edoardo. :slight_smile:

Love that idea!

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Great idea - I handle this manually at the moment but putting the original transaction into a custom category “Refunds Pending” and periodically check.

Once the refund comes in I then set the original transaction and the refund to the original category.

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Good work around and, example of why it’s a good automatic feature if developed. I don’t know if a single provider that is yet to offer this.

By the way, @Yukiko is designing sub-categories. :wink:

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Hey!

I was watching this video: https://youtu.be/-co5ytICtzs?si=knqUJxT1Tw8wcFG8&t=1358 - and it got me thinking. I actually plan for these kinds of unexpected expenses in my head, but I haven’t seen anything like this feature for Emma yet. I also checked their site (https://emma-app.com/features/tracking/emma-pro-custom-experience), though I’m not a paying customer, so maybe it’s hidden somewhere.

What if Emma had a functionality for “just in case” expenses? Or maybe call it the “Black Swan” feature.

For example, I need to budget every year for the possibility that my retainers will break. Even if you budget carefully, you never really know what might pop up unexpectedly.

It would be cool if the app could either let you toggle this feature or even recommend a smarter budgeting amount based on the likelihood of these events happening.

Imagine it could calculate the likelihood of my retainers breaking - on average, it happens 1-2 times a year. Statistically, it’s unlikely that both break in the same month, so I probably wouldn’t need to pay for two replacements at once. But as time passes, the probability of needing a replacement goes up. This would mean the “Black Swan” effect grows in terms of how much money I should have set aside.


So basically, the idea of a Black Swan effect feature would let you add expenses that could take money from you at any time, without warning.

For me, I have to budget every single year for the chance my retainers break - that’s an easy £400 gone. Sometimes it happens twice a year.

Or think about a crappy car that breaks down occasionally - repairs could range from £50 to £1000 or more.

It would be great to have a range for these Black Swan expenses, something like:

  • If everything goes wrong, the minimum you’d have to pay is £X, and the max is £Y.
  • Or if only some of the things happen, here’s the additional cost you’d need.

I constantly do this math in my head. Even if I have enough money saved, I worry that if a total Black Swan hits me, I might not be prepared.


What this might look like in practice:

  • User creates a “Black Swan” category.
  • Inputs possible events (e.g., “Car repair” £50–£1000, “Retainer replacement” £200–£500).
  • Optionally sets likelihood or frequency of these events.
  • The app then recommends a buffer amount to set aside monthly or from savings.
  • When an event happens, the user marks it and tracks the actual cost against the expected range.
  • Over time, the app could even suggest adjusting the buffer based on spending history.
    (For me, that would average out to at least one or two retainer replacements a year - some years none, some years three - so money goes brrrr xD but it balances out.)

This would, of course, be an optional feature. It’ll need more refinement, but that’s the idea.

That way, not only can you track your expenses, and budget them, but also throw a random black swan effect on it, and then if you say deplead your savings of 2000£, the black swan will tell you how much you lack e.g. if you had a car repair of 1000, now you need to have extra 1000£ of savings, and then black swan would recommend you how to refill this as well etc… ton of ideas of this but yeah.

What do ya’ll think?

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Got another idea.

Smart Debt Repayment Planner

Introduce a tool within Emma that helps users strategically manage and repay debt, accounting for interest rates, repayment types, user behavior, and financial flexibility. It empowers users to make informed decisions that reduce long-term cost, ease anxiety, and build trust with the app.


Problem:
Many users juggle different types of debt - from 0% BNPL plans to high-interest credit cards or overdrafts, but don’t know:

  • Which debts to prioritize
  • How much to pay monthly
  • Whether to pay something now or wait
  • How to balance debt repayment with living expenses

They often default to minimum payments or guesswork, which leads to:

  • More money lost in interest
  • Higher anxiety
  • Lower financial confidence
  • Missed opportunities to optimize

Proposed Solution:
Build a Smart Debt Repayment Planner into the Emma app that:

Allows users to input:

  • Debt name, balance, interest rate, due dates, minimums, penalties
  • Type of debt (credit card, overdraft, BNPL, loan)
  • Preferred monthly budget for debt repayment
  • Any known future windfalls (bonuses, refunds)

Recommends strategies like:

  • Avalanche (lowest cost over time)
  • Snowball (quick wins for motivation)
  • Hybrid (combines math with emotional wins)
  • Lifestyle-sensitive options (optimize without “suffocating” users)

Provides insights such as:

  • How much interest they’re on track to pay over time
  • How extra payments reduce payoff timeline and total interest
  • Alerts for urgent/high-risk debts (e.g., daily compounding overdrafts)
  • When it’s smarter to wait and pay a lump sum later (e.g., 0% BNPL)

Tracks & adjusts over time:

  • Let users log real repayments
  • Adjust recommendations when a payment is missed or completed
  • Notify when it’s time to replan (e.g., new income, debt paid off)

Why It Matters:

  • Builds trust: Emma becomes a proactive, judgment-free financial guide.
  • Drives retention: Users will stay to track long-term goals and repay smarter.
  • Supports Emma’s mission: Helps people take control of their financial life.
  • Opens up future features: Debt visualizations, repayment goal tracking, or even debt payoff challenges.

Bonus Hook:
Make the feature free to use, as a way to build goodwill with users in difficult financial positions - these are the people most likely to become loyal customers once they recover.


Then what you can do is market this with places that help other people

Create educational content about this, explain tothem how debt works and how companies trick them, make YT videos around this.

Go to Citizen Advice, inform them about Emma App as marketing effort letting them know you have a tool to help out people for free - you hook Citizen Advice, if it spreads across the country they’ll recommending your app left and right if it actually helps.

Instead of using some online calculators for this. Contact YouTubers like Graham Stephan to advertise the app - or idealy someone in the UK, just so happens most people I watch are ironically American lol

But yeah, that’s just an idea.

And this should be a free feature - since people wont want to pay more money… the goal is to get advertisement of the app, genuinely help the person, and hope they’ll turn into a customer once you help them out, which if you do, why woudln’t they stop using the app? It got them out of the big mess, might as well pay that £5 subscription, right.

But yeah, what do ya’ll think of a feature like that?

Customizable App Tone & Language Settings

I believe a highly impactful yet simple feature to implement would be customizing how the app communicates with users - specifically, letting users choose between different tone styles (e.g., playful vs. professional).

This request has been raised multiple times over the years (e.g., Emma Community Post), and it remains unresolved despite being relatively trivial to implement from an engineering standpoint. As an engineer myself, I can confidently say this could be shipped within a day(or hours - as long as you got a proper code foundation) by an experienced dev, even if they are not they should figure it out quickly.


(there are a ton more of these comments on reddit, and its costing you money, its costing you user base, something you could easily implement, imagine you hire a dev for £300 a day contract, would that be worth implementing if you can retain 100 customers? 5 * 300 = 1500£ so you make a profit + have a long term ROI.

Here’s another one with like 11upvotes (again, takes a few hours to implement a “tone” functionality like theming, so no reason not to have it)

Why This Matters:

  • User Retention: Some users find the current tone (e.g., emojis, casual phrasing) off-putting. This can directly lead to churn.
  • Personalization: Allowing users to choose how they’re spoken to makes the app feel more respectful and adaptable.
  • Accessibility: Not everyone resonates with a playful, emoji-heavy tone - especially users who want a more mature financial tool.

The color isn’t that big of an issue because purple can be royal, and the gummy bear isn’t an issue either, its the way its associated - so the brand tone feels off. Something I mentioned in my marketing post.


Suggested Implementation

The system could use simple token-based language files. Based on a user’s tone preference ("default", "professional", "playful"), you dynamically pull copy from the appropriate file.

Example en-default.json

{
  "OVERSPENDING": "Whoa! You’re overspending 🤑💸",
  "WELCOME": "Hey there! Ready to crush your finances today?"
}

Example en-professional.json

{
  "OVERSPENDING": "You’ve exceeded your typical spending limits.",
  "WELCOME": "Welcome back. Let’s review your financial activity."
}

Example en-playful.json

{
  "OVERSPENDING": "Oopsies! Someone's splurging again 😅💰",
  "WELCOME": "Yo, money master! Let’s slay some budgets 🔥"
}

Example User Setting

{
  "userId": "abc123",
  "language": "en",
  "tone": "professional"
}

In Code (Simplified)

const messages = loadMessages(user.language, user.tone)
const text = messages["OVERSPENDING"]

And if you’re using Monorepos even easier, if not still no big deal create a package and just update that. You already got some free code.


Conclusion
Adding tone customization is a low-effort, high-reward feature. It respects user preferences, improves retention, and reflects a mature, adaptable product. Given how easy this is to build - just a few structured JSON files and a tone selector in user settings - there’s little reason not to prioritize it.

Easy feature to add, and given the frustration and bad advertisment it gives, its worth fixing and adding customisation.

Customisation is a big thing in apps. Dark mode, settings like these - all easy stuff, if you know how.


Just to expand further… because I saw some post from ex-staff of Emma App mentioning how the Bear is the style they want.. I think you need to zoom out a bit.

There’s not reason to slash your customers when you can create a neutral UI platform, and enhance it with things like customisation - customise the tone.

This is actually psychology, while the gummy bear can ecoke association from childhood… what psychologist call this is “cultural semiotic connotation” - its percieved meaning, so you can literally shape on how people feel about Emma App.

You already had professional serious people using this app and complain, no point losing them - you could have implemented the feature in a few hours (if you said this is a strain reconsider engineers you hired ironically speaking).

According to contextual framing theory and symbolic interactionism, the emotional and cognitive response to the gummy bear depends heavily on the narrative, tone, and design context surrounding it.

When embedded within a more professional, refined UI and paired with a tone aligned to user expectations, even a symbol traditionally linked to whimsy can be reinterpreted as a friendly, approachable mascot rather than a childish gimmick. This malleability of meaning underscores the importance of user-customizable experiences, which allow individual users to co-construct the symbol’s significance in a way that resonates with their personal and cultural framework, ultimately improving engagement and brand perception.

Right now you’re losing the battle on reddit and other forums with negative advertisement on a feature you can instantly implement. Thus shaping the brand from a social point of view in a negative way for certain professionals, when this could have been easily avoided.

There is a difference in us fooling around in a forum using emojs and typos… compared to when you interact with customers.

You can have a clean interface, neutral, and let them set the tone on an ONBOARDING phase in the app right away - easy fix. Everyone is happy.

I would go back to the board and re-think the UI/UX, and estimate engeenering cost, becuse I don’t understand why this feature hasn’t been implemented after all of these years and lost customers because of it - when its cheaper to just implement this idea and keep everyone happy and make more money.

Either no one came up with the idea, or no one pushed back, or engeeners are weak.

I don’t know - but that’s one of many ideas I have for Emma.

You really need someone to take ownership of the product understanding the customer base and see how you can serve them the best - no reason to make a hard stance of keeping emojs when a lot of people dislike them, and the solution is simple to implement.

I hope what I wrote is usefull - if you do implement these things, please do let me know as Id like to create a blog post from this idealy, make it a win win for yourself and myself, so we get something out of it at least.


Edit: You can also have a different theme mode as well, a more professional, slimmed down and a one that’s more playful.

Customisation is super important, especially when it doesn’t cost you a lot to do this and you retain a ton of people long term. This could actually be your edge - playful or professional, they can use Emma, no need to find another app, just let them customise. This is a missed opportunity with almost no engeenering cost to implement, while making everyone happy.

I know I’m beating a dead horse here but if you run the numbers you’re basically losing thousands of pounds by not having this very easy and quick feature to implement.


This is a small feature with disproportionate upside. A product-led company llike yourself should treat that as a signal. Users are asking. Let them customize how they’re spoken to (and perhaps the theme they want, and I’m not talking about light/dark mode, but how many gummy bears they want for example - and you’ll keep them around a lot longer.

The solution is there.

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Not sure if it’s already been mentioned as I don’t have time to read all suggestions but would really like to see committed spend in the category budgets so I can see how much I have left per category and would also like to be able to filter on committed spend by bank, or have it split into sections by account, or show a total per bank account so I can ensure I have enough funds in my bank to cover committed spend! Thanks :grinning_face:

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Absolutely loving the app — especially the Premium version — after moving from You Need a Budget (YNAB).

Key Feature Requests:

1. Subcategories:

Essential for organising spending (e.g. groceries under food, or fuel under transport).

2. Historic Data Import:

Ability to import past data from tools like YNAB to maintain full spending history.

3. Custom Reports with Exclusions:

Want to create reports that exclude one-off or large expenses (e.g. car purchases, insurance) to better track regular trends like groceries or holidays.

4. In-App Feedback Reporting:

Ability to report issues or suggest features directly within the app rather than using the forum.

5. Shared Expense Tracking:

Track shared payments and repayments (e.g. when someone pays you back) to manage group or household budgets.

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Hi @Roanna , thank you so much for sharing your ideas! Committed spending in category budgets is a great point! As for seeing committed spending per bank, have you had a chance to try the True Balance feature? It can help you see how much is actually available in your accounts :eyes:

Probably been asked for many a time but I would love to see better forecasting for the month ahead. Specifically the ability to add regular income payments in the same way as regular outgoing payments are added.

Support for European banks or at least Revolut European version. Also what about Malta, as it is English speaking.

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This has already been designed and an engineer is on the ticket.

We are going to do CSV import very soon.

I’ve been thinking a lot about this lately and we’ll improve it! :rocket:

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Thanks so much for the response. Really appreciate the reply. You know a chat bot could also be useful to recommend issues, explain if something is in the works and also to give insights.

Think I might have requested before :see_no_evil_monkey: but could the recurring payments screen be improved? Would anyone else find this useful?

At the moment just a long list of recurring payments - could you list the recurring payments by seperate frequency subheadings - i.e under yearly/monthly/weekly/fortnightly etc recurring payments? Would just make it so much clearer to see how often (and how much!) is coming out on a regular basis…. (and if you could total for each frequency i.e total annual recurring/total monthly recurring etc that would be amazing but appreciate you probably don’t want to overcomplicate!)

Just a thought but I would find that very useful!

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