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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

87%

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)

Useful app

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

Good but not perfect

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

Managing money

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

I am finally in control of my finances!

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

Great free app

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

Emma UI Ease

Very easy to quickly see your spending patterns and the weekly reports are great. Reviewed on: 3rd April 2023

Control

If you want full control over your finance, this is the app you need. Reviewed on: 3rd April 2023

So so useful!

Emma is amazing if you want to understand your finances better. Reviewed on: 3rd April 2023

Reliable and simple budget tracker

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

Simple, effective, and free!

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

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