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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 best.

one of the easiest ways i’ve been able to see all of my finances & save a TONNE so far 22/23 Reviewed on: 3rd April 2023

Truly underrated budgeting app

I have currently only been using the free version but it has helped dramatically with my budget and forecasting. Really good insight into spending and I can even use it to improve my credit score. 10/10 Reviewed on: 3rd April 2023

Made my life easier

Keeping track of my money has always been difficult for me and Emma has helped me keep track, save and make sure I don’t overspend. Love it. Reviewed on: 3rd April 2023

Brilliant app

Fantastic app, allowed me to actually get some financial control in my life. Would recommend to anyone! Reviewed on: 3rd April 2023

Emma is the best.

I have Autism, and find managing money extremely difficult, constantly overspending and then struggling for money almost on a weekly basis, forcing me to budget very frugally. There are many elements of the app that are brilliant, but my personal favourites is the budget tracker, by working out what is a reasonable amount to spend on certain areas, such as travel, eating out, entertainment (and more!) It has given me much needed structure. I used to be very flippant with my spending, like getting users or takeaways far too often; however by setting a travel budget of "what's needed for work and socialising +10%" or "£30 on takeaway [like Greg's, or subway for example]/week +10%" for some leeway, I've been able to be much stricter with my spending. Now I feel bad when I over spend in my budgeted areas. The other great aspect is the visualisation of income v outgoings, and the illustrated "daily limit" saying how much you can afford to spend before going over budget - so by spending under that, I'm guaranteed to not overspend. This has allowed me to save and invest, when I didn't think I could before, helping me secure my financial future and retirement. It had taken a lot of stress off my.mind, allowing me to enjoy life more, without money worries; its illustrated my wasteful spending and allows me to take control Reviewed on: 3rd April 2023

The game changer

It is so much easier to track my spending with Emma. Emma sends me notifications for everything to do with my finances and it really helps me stay on top and save. The best modern day money tracker! Reviewed on: 3rd April 2023

Great app

They’re so user friendly and give great updates’ Reviewed on: 3rd April 2023

Great app, easy to use, easy to see all my spending

Splits up my spending by category automatically and has a really simple ui but still lets u do everything u want Reviewed on: 3rd April 2023

Excellent way to keep tabs on your money

The Emma app is excellent for managing your finances and getting an over-all look at your financial situation. It is full of offers to help you out, investing or saving. Reviewed on: 3rd April 2023

Great for seeing where you spend

This app is great for clearly seeing where you’re spending your money. I’m trying to save and wasn’t understanding where my money goes but now I can clearly see across bank accounts what I’m spending most of my money on. Reviewed on: 3rd April 2023

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