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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)

Excellent app

Emma unlocks to much potential for personal financial planning as I have found first hand. It has helped me to budget and grow my money in this way -- a tool I'm really happy to have acquired through Emma. I worry how I'd be doing without it! Really excellent, helpful and friendly app which I'd always recommend to friends and family. Reviewed on: 19th March 2021

Makes managing your money fun

The user experience on Emma makes managing your finances, frankly something that's quite dull, super easy and fun. The user interface is easy to use, each section logical and the fact you can pull in the majority of your accounts means I've basically stopped using my main banking app. Features like the weekly quiz make logging in fun and helps build that important habit of keeping an eye on your spending fun. Reviewed on: 19th March 2021

The best financial budgeting app I have used

Intelligent AI based financial budgeting app, the AI on this app is the best and really works through your transactions and intelligently places them into the correct categories and clearly predicts upcoming payments. I have tried alot of apps and this is by far the best. Reviewed on: 19th March 2021

Monitor spending and savings

Great for providing an overview of various accounts in one place Reviewed on: 19th March 2021

Easy to use, saving me money

A really nifty app that's helped me keep track of all my accounts in one place. Not only that, I've been able to reign in my spending on categories that I've been over-spending and I've saved a lot as a result. Reviewed on: 19th March 2021

Helpful app gives peace of mind

Uncomplicated interface , useful features Reviewed on: 19th March 2021

Brilliant APP

Amazing way to keep on top of your finances as well as see latest deals on energy broadband and much more. All in the one place. It was so easy to set up and allowed me to collate all my pensions in one place. Can't recommend enough!! Reviewed on: 19th March 2021

Good tracking.

Emma is a good tracking tool however I would say that it could display your expenses in a much neater and organized way. Reviewed on: 19th March 2021

Emma makes budget control so easy!

This app is a really a game changer. I love to be able to connect my bank accounts and see all my expenses in one platform. Emma is very easy to use and have a lovely interface! Reviewed on: 19th March 2021

A starrrrrr

A very good app that helps keep me on top of all my finances from my banks and cards!! Really really usefull!!! Reviewed on: 19th March 2021

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