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Emma: Personal finance app reviews

View other Emma products
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
See only 5 star reviews
87%
See only 4 star reviews
11%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Andy Drummond's avatar
Andy Drummond

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
JD's avatar
JD
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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)

Very good

5
Helps manage my money very well, muy bien as they say in spanish Reviewed on: 4th April 2023
Akash Bansal's avatar
Akash Bansal

Excellent service and app

5
Great app, which allows you to keep track of all your spending, helping you have a clear idea of what your spending is, the different categories, making you more aware & helps you make changes in necessary, helps you save, set budgets & more Reviewed on: 4th April 2023
Marcela Hughes's avatar
Marcela Hughes

Got my finances in order

5
Having tried a handful of budgeting/savings app (after finally admitting to myself that I wouldn’t actually manually complete a spreadsheet every month), I’m so glad that I landed on Emma. This app makes budgeting and saving pretty flawless and foolproof. It’s one of the few financial apps I never dread opening! I can’t tell you how helpful it was to see all of my finances in one place when it came to applying for and getting my mortgage. I’ve recommended it to a number of people already and continue to do so. Reviewed on: 4th April 2023
Ciara's avatar
Ciara

Best app for stress free financial health

4
Best app for stress free financial health Reviewed on: 4th April 2023
Aditya Surana 's avatar
Aditya Surana

Great app for budgeting

5
Emma makes understanding my finances so simple, with great tools for analysing where my money is going and where I can make savings. Reviewed on: 4th April 2023
Joe Wright's avatar
Joe Wright

Simple and effective

5
I’ve been using Emma for a while now and it’s helped me keep a much better track of my finances than before. All of my accounts are linked so I can easily see where my money sits and I’ve set monthly budgets which are easy to keep track of. This has enabled me to reduce my debts which is great in the current climate. Reviewed on: 4th April 2023
Louise McClafferty's avatar
Louise McClafferty

Emma has the best user interface

5
Emma has the best savings app to manage all the cash flow and to understand your finance better. It's interface is user friendly and easy to navigate. If you are considering a budgeting app, I would highly recommend Emma Reviewed on: 4th April 2023
Mehathab J's avatar
Mehathab J

Very good

5
The best app to keep up with your finances Reviewed on: 4th April 2023
Exidy Lena's avatar
Exidy Lena

Incredible service

5
I have used Emma for the past year now and I have seen a massive difference in my savings due to the fact I can see how much I’m spending weekly on irrelevant costs. Thanks Emma Reviewed on: 4th April 2023
Mac G's avatar
Mac G

It is handy

4
It’s useful to get a good overview of all your expenses, and Emma gives you that Reviewed on: 4th April 2023
NJ Finch's avatar
NJ Finch

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