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Emma: Personal finance app reviews

Name: Personal finance app
Rating: 4.88 (3559 reviews)

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4.88

Based on 3,559 reviews, last reviewed 17th Mar 2026

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

88%

11%

Latest highest rating:

5

A great app for saving without having to think about... A great app for saving without having to think about it! Reviewed on: 17th March 2026

Latest lowest rating:

1

Great app... But everything you need is behind a paywall, and you get hassled everytime to signup when using the app. Reviewed on: 9th April 2023

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About this product

The Emma personal finance app helps you take control of your money.

Using the Emma app, you can build your credit, save more and spend less. It’s a financial membership which has different tiers. You can get started with the Basic plan which is free or opt for a paid membership which comes with more benefits.

Emma app reviews help you find out what it’s really like to be a customer. If you’ve used the Emma app before, you can also leave a review and share your experience.

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Emma Personal finance app reviews (3559)

The love of emma

I love Emma makes my life simpler with their banking app letting me know what’s coming out and in how to budget it’s brilliant Reviewed on: 4th April 2023

Easy to use and helpful

The best budgeting and savings app I’ve come across. Easy to keep track and notifications to keep you on track. Reviewed on: 4th April 2023

Helps show you where it all goes.

I started using Emma to get more control over where my money went. Every month I'd run out of money and wonder how. Having it all split into categories for me made it much easier to see what it was all being spent on. This allowed me to make adjustments to my lifestyle and I'm much better off financially for it. Reviewed on: 4th April 2023

I love Emma

Emma is the go to app for organising your budget financially Reviewed on: 4th April 2023

Simple and insightful

I started trying to track my spending for the first time this year, and Emma makes it really easy to do Reviewed on: 4th April 2023

One app to rule them all

Great app to keep track on your cashfow. You can add all your accounts and see all your money in one place. Highly recommended Reviewed on: 4th April 2023

Excellent app - All-in-one!

Great interface. Absolutely love the features. The best thing about Emma is the ability to link all bank accounts and see live transactions on all of them unlike some other top finance apps where you have to write manual entries to run the budget vs actual. Reviewed on: 4th April 2023

Great Overview of Accounts in One Place

I have a number of bank accounts and credit cards. It is great to be able to review all outgoings and money in in one place. I can also analyse my spending by category. I use the free version so not sure of the features that the premium version gives. Reviewed on: 4th April 2023

Everything I want from a finance app

This app shows me everything I need. My current money, my expenditures, my subscriptions, my past expenses and patterns of expenditure, and let’s me link my bank account. Let’s me make budgets too. It also lets me invest easily, although I haven’t tried that feature yet. Goes to show how many features this app has. Amazing. Reviewed on: 4th April 2023

Best budgeting app on the market

Emma is a great app to track your spending, with more bank integration (e.g Chase Bank, Kroo bank, Atom bank) it would be 5/5 Reviewed on: 4th April 2023

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