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Emma: Personal finance app reviews

Name: Personal finance app
Rating: 4.86 (3559 reviews)

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4.86

Based on 3,559 reviews, last reviewed 17th Mar 2026

600% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

88%

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)

Helped me start saving and other good money habits

Helped me get out of debt by tracking my spending habits, and helped me start saving. Reviewed on: 2nd May 2023

Consistency

Just wanted to thank the Emma app for constantly updating me on whether I go over or under my budget literal life saver!!! Reviewed on: 28th April 2023

Best budgeting app!

Best budgeting app for UK !!! Unfortunately is not yet a desktop version! Reviewed on: 23rd April 2023

Looked good

Didn’t really use it or understood but would say it’s a good savings app for normal people Reviewed on: 21st April 2023

How Emma has Changed my life

Honestly and truly this app has changed my life. Before this app I was spending my money in a way that i would leave my self with no money by my next pay day. I was paying for useless subscriptions that i didn't even know i was still paying for and my money just felt like it was falling out of my bank. Until i switched to Emma which tracks all my savings and subscriptions to keep on track of the ones i am using and the one i am not. I am so thankful i found this app and now i feel like i can save with ease. :) Reviewed on: 20th April 2023

A Comprehensive Look at its Features, Pros and Cons for Personal Finance Management

The Emma app is a personal finance management tool that helps users track and manage their finances in one place. With its user-friendly interface and sleek design, the app makes it easy to categorize expenses, set budgets, and monitor spending habits. One of the most notable features of the Emma app is its ability to connect to multiple bank accounts, credit cards, and investment platforms. This allows users to see all of their financial information in one place and get a holistic view of their financial situation. Another great feature of the app is its budget tracking tool, which allows users to set monthly budgets for different categories and monitor their progress throughout the month. The app also offers personalized insights and recommendations based on spending patterns, which can be helpful for identifying areas where users can cut back and save more. However, one potential downside of the Emma app is that some of its more advanced features, such as custom categories and bill tracking, are only available with a paid subscription. Additionally, some users have reported issues with connectivity and syncing between their bank accounts and the app. Overall, the Emma app is a solid choice for anyone looking to take control of their personal finances and streamline their budgeting and tracking process. Its intuitive design and helpful features make it a worthwhile investment for anyone looking to improve their financial management skills. Reviewed on: 18th April 2023

Great application

Great application - very informative and tell you how to save money Reviewed on: 17th April 2023

Easy to use and very helpful

As a beginner to saving money after years of wasting it I have recently tried several money saving apps such as loot and plum however I have found Emma to be the simplest to use and it has a lot more information and helpful reminders that allow me to stay on top of where my money is going. As well as this Emma helps me feel like my details are safe as they always do several documentation checks and provide secure links when dealing with my money and my bank details. Due to these factors I would not hesitate to recommend this app to other people. Reviewed on: 13th April 2023

Best Banking App for Budgeting

easy, cool, understandable, with great features other apps don’t compare. Reviewed on: 13th April 2023

So helpful and creative!

I love the opportunities this app gives me, lots of options to choose from and tailored to your needs. Reviewed on: 12th April 2023

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