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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)

So easy to see what we are spending on!

I needed to manage our finances better after being made redundant during Covid 1st lockdown. This app is great for controlling spending but also seeing how much we spend as a family on all things. Reviewed on: 18th March 2021

My one stop shop for my finance overview

I live this app for supporting my day-day finance, and for once in an app, the longer I use it, the more I learn and the more valuable I find it is to me. Its a helpful guide to my everyday budgeting/spending, and also the bigger picture reminder of savings/mortgage/investments, makes me more reassured we're moving in a right direction as a family. Cheers Emma Reviewed on: 18th March 2021

Emma App

Emma is the best personal finance app to monitor your earnings, spending, and savings. I personally recommend it as it helped me to save my money. Reviewed on: 18th March 2021

Amazing Birdseye view of finances

Thanks to this app I have a clear picture of my finances that would otherwise be complicated to get Reviewed on: 18th March 2021

Very easy to use and integrated well with all my banks and cards.

I like Emma's sorting algorithm which works well - and the app is fast and smooth which is important for me. Reviewed on: 18th March 2021

Fantastic

This clever little app has helped me since the day I downloaded it. Found it by chance but have told everyone I know all about it. To say I'm not very good with cash is an understatement....but Emma really has helped me and I'm sure other really keep an eye on what you have. Reviewed on: 18th March 2021

Great App but....

.....Emma overplays recommendation to friends via an irritating referral icon that clutters the screen. There are more subtle ways to have this function made available. The budgetary elements are great and I am pleased overall with the app Reviewed on: 18th March 2021

Fantastic app! Must have finance app for everyone

Emma is more than just an aggregator app i.e the ones which only show your net worth by connecting through all your bank accounts and pensions. It has the insights features which lets you know across all your spending where you are overspending and how you can control them. For e.g I didn’t realise until I got the insight that I was spending almost £200 on Ubers per month! Reviewed on: 18th March 2021

Head and shoulders above the competition

Having used several monitoring/budgeting apps, Emma is the most useful, accurate, easy to use and customisable. The added features on Emma Plus are really useful too. Reviewed on: 18th March 2021

Great app

I love this app. It shows me exactly what I am spending and give me my net value. This way I have control of my spending. Reviewed on: 18th March 2021

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