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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)

Really Helpful!!

I struggle to manage my money and track my spending due to my ADHD but using Emma has really helped me keep on top of things! Thank you! Reviewed on: 3rd April 2023

Makes life easy

The way everything is layed out for you, makes organising your finances a breeze Reviewed on: 3rd April 2023

Emma, a great personal finance app.

Emma has trusty helped me achieve both my financial and personal goals all in one app, I would certainly recommend them! Reviewed on: 3rd April 2023

Is a very well done app

I love EMMA app it helped me to fix a budget and keep it on check all my speeds, and I managed to save up to 40% of my total income Thank you for the great jub you did with this app Reviewed on: 3rd April 2023

Such a handy and well designed app!

Such a well done app! Highly recommend if you want to try and keep on top of your finances. Reviewed on: 3rd April 2023

First Class

Using Emma has helped to prioritise my money and also save monthly. I would highly recommend Emma to everyone! Reviewed on: 3rd April 2023

Works well, just wish some premium features weren't premium

Does what it needs - would be ideal if I could add my offline accounts without paying Reviewed on: 3rd April 2023

You need this app!!!

This app is brilliant!! It is what you need - it is perfect for budgeting keeping track of your finances it is so easy and a game changer. You can see what you spend the most on and you can create a personalised budget! You can save so much money with this app and it gives you free tips and gives you a report each month on your spending. Reviewed on: 3rd April 2023

Really eye opening

When I first downloaded Emma I thought , "here we go another app that's going to tell me what i already know about my spending" Then I downloaded it and I was soon shocked at all the different places I was spending money in . Emma made me put on spending caps to certain shops , I would usually spend in without thinking . These caps allowed me to set limits to weekly spending in that branch. I soon realised when my limit was up to avoid over spending and been constantly overdrawn. I love the control Emma has given me with not only spending but my monthly reviews of how I've done . Not only has Emma helped in that way , but the app notifies me when a payment is due , or when I'm going to go into my overdraft. Its a really reliable app. I'm so glad I downloaded Emma and I will continue to use it for the forceable future. Reviewed on: 3rd April 2023

The best budget tracker

Emma helps me save money by tracking my budget across different cards and accounts - ensuring I can always use the accounts offering the best deals, without compromising on a banks user interface or ability to track spending Reviewed on: 3rd April 2023

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