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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)

High level summary of accounts

Very simple to link accounts, useful spending insights. Paid version worth it if you can get on discount Reviewed on: 15th March 2021

Excellent

This app has really helped me take control of my spending, clear almost all debt tht needs clearing and start savings. I feel it is the perfect time to do this and it really beats the pen and paper and excel methods of the past. Highly recommended Reviewed on: 13th March 2021

Emma for the win

Emma is a fantastic app, offerers a great user experience is really simple to setup and use and really helps me manage my finances. It's one of my goto apps and one that I frequently recommend to my friends, family and colleagues. Reviewed on: 13th March 2021

Fantastic App

I’ve found Emma to be an excellent help. It helps me to see my finances in one place, and I love that it isn’t laid out in a confusing way, it’s very user friendly. Reviewed on: 13th March 2021

Most recommended savings app!

Out of every app I’ve downloaded on the App Store, this is by far the best! From downloading it due to a recommendation then referring my friends and family, it’s one of the most talked about apps and Emma Pro just makes it all even better! So handy to see where your money goes every month! Reviewed on: 12th March 2021

Amazing state-of-the-art money saving app

Emma is not just an app that helps you save money, it's your friend in becoming more responsible with your money. It provides the best tools to save money, but also tools to educate yourself and help you grow. The one thing I love about Emma is that it truly listens to feedback and somehow manages to exceed the expectation of what the user needs. Out of all the available tools on the market, Emma is by far the best and most helpful app out there. Highly recommended! Reviewed on: 12th March 2021

Finally, a proper and decent budgeting app

Emma is very easy to configure and set up. Works with most major banks and allows for split transactions, labelling and categorisation. It even includes receipt uploads. Reviewed on: 12th March 2021

Great app to keep track

I love how I can keep track of my budget... and how much I have in each account. As well as the weekly quizzes! Reviewed on: 12th March 2021

So helpful for having multiple accounts

The ability to tie multiple accounts together in one app and budget through it is amazing! I would definitely recommend this app to friends and family, so convenient and easy to use. Reviewed on: 12th March 2021

Win Your Personal Finance Game

If you're someone like me who has multiple accounts with different banks, it can be tricky to know exactly where you are with your finances. Emma removes that complexity by showing exactly how much you have, where it is, what's going out and what you're spending your money on. It automatically deducts my credit card from my total funds so I only ever see how much I truly have instantly as all my accounts are constantly kept in sync. Emma also highlights any subscriptions you have so you can find out if you're paying for something you're not actually using! You can set budgets to work towards too to push you further into optimising any expenditure. Overall it's a simple app which can quite literally change your life! Reviewed on: 12th March 2021

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