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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)

Time-saver for managing a chaotic life.

With kids mortage business and a busy personal life this app is not just a time-saver, but genuinely helps to save money. Reviewed on: 25th March 2023

Absolutely life changing!

This app has been life changing financially, I have been able to track where all my money has been going and using that I have been able to change my spending habits and save more efficiently Reviewed on: 25th March 2023

Everything in one place

Emma combines a nice user interface, user experience and the ability to monitor all finances through one single app that also offers insights and predictions. This app blows all completion out of the water Reviewed on: 25th March 2023

Love the app

I love it because it helps me keep track of my financial situation. Reviewed on: 25th March 2023

Great for budgeting

Love that I can connect ally accounts Reviewed on: 25th March 2023

Great Savings App

Very streamlined app, great on time notifications (not too many) seriously considering buying premium. Reviewed on: 25th March 2023

useful notifications for budgets, interface could use some work

Emma's budget tracking works well and notifications are useful to help me know how much I can spend and how close to my budget I am. The interface could improve a little as I am not always sure how to get to my budget and see what I'm spending money on. I always get there in the end but it takes a few more taps of trial and error than it should Reviewed on: 25th March 2023

So helpful

Emma has changed the way I manage my money. I now keep to a budget, and have a much better understanding of how I spend my money. Reviewed on: 25th March 2023

Helpful for saving and investments

It’s a really good app and helps me to save/budget. Not too pushy and tries to give some education on investing. I recommend it. Reviewed on: 25th March 2023

Modern, innovative, easy

I felt like I was out of my depth trying to understand my finances but since I joined Emma I have a real-time summary of my activity, can easily see my outgoings and can budget better. The app divides all my monthly spending into categories, let’s me set and track budgets and helps me save. They let me know via helpful notifications if I’m on track or close to going over budget. They are constantly coming up with new ideas such as trading and savings pots with great interest rates. I can’t imagine my life without Emma! Reviewed on: 25th March 2023

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