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Emma: Savings App reviews

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4.86
Based on 3,559 reviews, last reviewed 17th Mar 2026
800% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
88%
See only 4 star reviews
11%
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1%
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0%
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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
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JD
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About this product

Looking to read reviews of the Emma app, an innovative new mobile app which helps you save using AI. “She assists you in avoiding overdrafts, finding wasteful subscriptions and giving the control you need over your finances.” Sounds good? Now see what our community members have been saying about Emma by reading their reviews on Smart Money People. Or have you been using the Emma app to help save money and find unwanted subscriptions? Leave a review for others to read and you’ll be helping them to find the very best personal finance apps.

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Emma Savings App reviews (3559)

Useful app

5
Can’t fault this app, very useful for tracking spending and finances. Handy and easy to use and provides a valuable insight, it’s efficacy cannot be understated in the current financial climate. Reviewed on: 3rd April 2023
Tom TB's avatar
Tom TB

Good but not perfect

4
There are delays for updates from Emma, and some technical errors occasionally, but it works better than most budgeting apps. Reviewed on: 3rd April 2023
Neo Furby-Yorke's avatar
Neo Furby-Yorke

Managing money

5
Emma has helped me save so much and manage my money so much more especially as the living crisis has rise up recently this has helped me save and manage my money more Reviewed on: 3rd April 2023
Mayowa 's avatar
Mayowa

I am finally in control of my finances!

5
I used to be quite bad at managing my money, but since using this app I know exactly where I am at all times. I love how customisable it is allowing me to create categories that work for me. I wouldn’t be without it now. Reviewed on: 3rd April 2023
Rachel's avatar
Rachel

Great free app

4
It's hard to complain about Emma when you consider the features that are available completely free. The functionality is excellent and although it require a little intervention to categorise everything perfectly this mean that you check in regularly which is arguable a good thing given the purpose of the app. I've been using Emma for about 6 months now and I feel significantly more confident in my budgeting which is invaluable given the current financial climate. Reviewed on: 3rd April 2023
Xanthe Maddocks's avatar
Xanthe Maddocks

Emma UI Ease

5
Very easy to quickly see your spending patterns and the weekly reports are great. Reviewed on: 3rd April 2023
Jack Turnham's avatar
Jack Turnham

Control

5
If you want full control over your finance, this is the app you need. Reviewed on: 3rd April 2023
Yohan-Marie Burrun's avatar
Yohan-Marie Burrun

So so useful!

5
Emma is amazing if you want to understand your finances better. Reviewed on: 3rd April 2023
Rachele Betti's avatar
Rachele Betti

Reliable and simple budget tracker

4
Emma is a useful app that helps me keep track of my spending as well as providing a few other helpful features! Reviewed on: 3rd April 2023
Chris Wallace's avatar
Chris Wallace

Simple, effective, and free!

5
Having used the Emma finance app for more than 3 years, I cannot recommend it enough. Bringing all my banks and investments together into one place makes it all easy the manage. The automatic categorisation of transactions is great for keep track of things too. I can't speak highly enough of this app. Reviewed on: 3rd April 2023
Lee's avatar
Lee

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