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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)

Seamless

Since getting Emma, I have felt much more in control of my finances. It is unbelievably easy to use and keep track of spending, making my money management much more efficient. I’ve never looked back! Reviewed on: 3rd April 2023

Very helpful!

I've been saving up for my uni tuition and it's been very helpful to see all of my transactions in a useful way Reviewed on: 3rd April 2023

Really good tracking tool

I find this app really helpful in identifying where my spending goes. I especially like the charts and summaries. I’m about to begin using the budgeting function. My one nitpick so far is that you have to pay even more to share a space with your partner despite it already being a paid app. Reviewed on: 3rd April 2023

Helps me manage my money.

This app I only downloaded recently and I've already saved a lot of money with the ease of its use and great use of my data. Reviewed on: 3rd April 2023

Smart Saving!

Actually seeing where i’m spending my money from different accounts all in one place makes my crazy brain work a bit easier Reviewed on: 3rd April 2023

Amazing app to use

I fully love this App it shows all your financial status and money too. Fully recommend it to everyone. Reviewed on: 3rd April 2023

Dependable and easy to use app

I have been using this app for 2 years now, at the beginning I struggled with my spending. As I spend money impulsively not realising where, what and when I was spending my money. With Emma, I was able to monitor my spending carefully, then added a budget, which I can customize them. After a few months I was able to save money. Emma creates a user friendly app that teaches us how to create mindful spending habits while giving us tips on money management and savings. Reviewed on: 3rd April 2023

Best app to utilise and organise your budgets

The Emma App has really helped improve on my financial goals. In the past, I’ve always been impulsive with my spending and never disciplined with my money. Since I downloaded the app a few months ago, it has completely changed the way I spend and allows me to be one step closer to my financial goals. Daily notifications also helps monitor how much I’m spending as well as notifying me my budget status i.e. overspending. It’s such a useful app and would highly recommend it to anyone struggling bad money habits. Reviewed on: 3rd April 2023

Helped me save money

Emma has helped me with my finances by giving me daily updates on my accounts, notifications for upcoming billls, and being an easy to navigate app Reviewed on: 3rd April 2023

Amazing

Been a great help for someone who is bad at organising Reviewed on: 3rd April 2023

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