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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)

Keeps me on track!

I’m a student and find it really hard to save and prioritise money. Emma has helped me massively and allowed me to see exactly what I spend each month, making it easy to predict how much I need for certain aspects such as food shopping in the future. The Emma App was the motivation I needed to manage my money better. Thanks Emma! Reviewed on: 25th February 2023

Collections of my finances in single app

Since using Emma I have been managing my budget much better. It's so good to be able to see all my info in the same place. I really like the advice it gives. Empowered because of it. Reviewed on: 19th February 2023

Game changing app!

I’m so pleased I found this app after searching Google. I’m such a visual person and seeing numbers was so boring before I knew I needed something more user friendly. When I downloaded Emma I was in debt- now I’m debt free, have investments and have now joined the new savings scheme. I recommend to my friends and family all the time. I’m now in control of my finances finally aged 35! Reviewed on: 19th February 2023

Excellent app

A superb app that has helped me sort out my finances for over a year. I would use it for as long as the app exists. Thankyou Emma Reviewed on: 18th February 2023

Easy to use

Emma has helped me see things a bit more clearly financially. Would love to see them slightly improve the ability of the app to pick up correct subscriptions/repeat payments. But overall, fantastic! Reviewed on: 18th February 2023

Recommended to friends and relatives that like their type of puzzle strategy kinda of game myself I been playing iy years over 1000levels completed by myself which I am happy with

Game is placentaly simple great time killer just what I want in a mobile game to kill time waiting Reviewed on: 18th February 2023

Nice budget planning app

This app is very good for monitoring the spending and plan your budget Reviewed on: 17th February 2023

Save, check balance and invest

I've been able to get daily balance updates and invest, that's all I wanted and it works seemlessly on Emma. Reviewed on: 16th February 2023

Went from being a financephobe to an amateur accountant

About 5 years ago, I found myself in a dire financial situation, exacerbated by my ADHD-driven impulsive spending. I didn't get onto how much the accumulation of small purchases throughout a month affected my outgoings. Seeing it set out in a visual way, itemised, with a totted total, really helped me to get a grip on my spending. Rather than treating myself to 10-15 coffees a month or buying my lunch out on a daily basis, I used the Emma app to identify where I was siphoning my wages and within the space of a month or two, I could suddenly put some savings away, or buy something meaningful that I could savour. Emma has become such an intrinsic part of my financial life now that I feel I would be much worse-off without it. My only minor gripe is that some features are paywalled - but this has never affected the core product, which I would describe as essential. Reviewed on: 16th February 2023

Perfect finance app

It’s the best budget app ever. I’m a student so I really appreciate that Emma helps me get organized with my monthly expenses. That way I save money and can travel! Reviewed on: 16th February 2023

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