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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)

The Perfect Budgeting App

Emma is the one app our household will religiously revisit every single day to track our spending and budgets. It is clear and easy to use, while being highly adaptable to individual tastes and lifestyles. We've never been so on track with budgets and saving - thank you! Reviewed on: 3rd April 2023

My finances made easy peasy

I used to be terrible at handling my money and it would make me very anxious. Since using the Emma app I get daily updates about my balance, upcoming payments, and warnings when I get close to my overdraft. Its truly changed how I handle my money for the better! Reviewed on: 3rd April 2023

Subjective, but decent.

It’s subjective as to whether apps like this work for people, but it’s certainly great at making me aware of where my money’s going and how much I’ve spent each month. I’m still working on my own budgeting skills, but it’s helped me improve for sure. Reviewed on: 3rd April 2023

Excellent, all in one service

It’s great to have an app to manage my finances, and to have a place where I can see all of my cards and money all in one place Reviewed on: 3rd April 2023

Life Changer

I was awful at saving! Then downloaded Emma to see if it could help and it’s changed my whole perception seeing my insights on what I spend on and how to change it can’t recommend this app enough! Reviewed on: 3rd April 2023

Life is better

Fast reliable and easy to use and a life saving feature like sending money to other Emma users without a hassle of a card reader makes it 10/10 Reviewed on: 3rd April 2023

Excellent

The app is really useful and can’t go without it now Reviewed on: 3rd April 2023

Amazing savings app

Best savings app out there. Brings all your finances in one place. Allows you to see your overall debt and what’s coming in and going out. I love the dashboard. Everything is super easy to navigate. Reviewed on: 3rd April 2023

Super saver

Emma is such a great app that helps budget, save and watch what you’re spending. Also tells you when you have upcoming payments which is super helpful. The way emma is so easy to use makes me feel at ease when looking at my bank account. The daily notifications letting my know how much money is in my accounts makes me feel like i don’t need to be nervous when checking my account. i love emma! Reviewed on: 3rd April 2023

Emma Banking app

Emma is the best app I’ve downloaded, helps keep track of my in-going and outgoing transactions and makes it so easy to know and see when my reoccurring payments are going out, and just so convenient. Reviewed on: 3rd April 2023

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