Write a review

Newsletter

Go to business site

Emma: Personal finance app reviews

Name: Personal finance app
Rating: 4.88 (3559 reviews)

View other Emma products

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

Read all reviews Write a review

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.

Review Emma: Personal finance app now

Help others make smarter decisions by sharing your own experience.

Write a review

Emma Personal finance app reviews (3559)

Deleted all other wallet apps

Really helps organize and think where I'm spending and what I have left. Reviewed on: 15th February 2023

An eye on your savings

Brilliant app to keep an eye on your spendings/what you need to cut back on. Reviewed on: 15th February 2023

Excellent Finance App!

Great app to keep on track with all your finances across multiple accounts. Really easy to navigate and gives good feedback and advice. Gives insight into where you're spending your money. Definitely recommend. Reviewed on: 15th February 2023

Great for budgeting

A great tool to help you organise finances and get everything on track. Highly recommended and definitely helped me. Reviewed on: 15th February 2023

Very good app for saving.

I love how it updates me every morning on my bank balance etc, the budgeting function is also great. Reviewed on: 15th February 2023

Great app that helps me get an overview of my finances

Really helps me stay on top of my finances and I love the weekly recaps Reviewed on: 15th February 2023

really opened my eyes to my spending habits

luckily I am not in a position of real hardship so do not have to keep track of spending as much as others but I do want to save for a house. Emma has helped me realise where my money is going and make smarter choices for instance I invested I'm am air fryer to cut down on my takeaway spending. Reviewed on: 15th February 2023

5 Stars

Best budget app ever! Would highly recommend using Reviewed on: 15th February 2023

Great free tool with valuable paid-for options

Emma makes the tracking of my finances a doodle. Using it is a very polished experience, from adding an account via tracking spending, to using it as a powerful being tool. Emma does most of the heavy lifting, and is easy to use. You can opt to pay for additional functionality, incl. saving and investing directly in the app. Emma was great when I started using it a couple of years ago, and it's continued to get even better. Reviewed on: 15th February 2023

The best app to put you back on track.

Good old Emma! out of all the financial apps out there, Emma was the only one to help me to get my finances back on track and has actually encouraged me to save for a brighter future. A powerful financial aid with an easy interface to navigate and understand. Transparency at its best with no hidden costs, everything explained perfectly. A***** Reviewed on: 15th February 2023

Do you have a different Emma product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

App
from Daily Budget 4.26 from 8 reviews
App
from You Need a Budget (YNAB) 4.34 from 10 reviews
Personal finance app
from Snoop 4.75 from 11130 reviews

Want to see more from Emma?

General investment account
from Emma 0.00 from 0 reviews
Stocks and shares ISA
from Emma 0.00 from 0 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub