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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)

Great UI and great insights

The UI is just fantastic, and the information given is valuable and well displayed. Reviewed on: 25th January 2019

Very easy to use

Great way to keep track of finances Reviewed on: 25th January 2019

Extremely user friendly

Great service and the UX is very solid. Great work guys! Reviewed on: 25th January 2019

Perfect

I used to use a spreadsheet to analyse my spending, until I found Emma. The perfect budgeting app! Reviewed on: 25th January 2019

Control over spending

The biggest issue I had financially was that I found it very hard to stay on top of my spending and stick to my budget. Emma has helped me control my spending by letting me know how much I could afford to spend and see where I am spending unnecessary amounts of money. Reviewed on: 25th January 2019

Brilliant App for money management

Provides you with a simplified yet detailed breakdown of all your spendings. From subscriptions to purchases. Also categories your purchases so you can keep track with how much you spend on fast food for example. Very useful so you know what you can do to save yourself some money. Reviewed on: 25th January 2019

Super smart app that provides a holistic view of our household spending

I'm a long-time user of Emma, and have all of our banking and card accounts plugged into the app. I can easily see how we're doing in terms of expenditure, and find those items that might need attention e.g. a higher than usual mobile phone bill. Reviewed on: 25th January 2019

Great app which saves time and provides great insights

The app is designed really well, regularly updated and provides really useful insights. I used to check several banking apps for transactions/balances, now Emma has sorted that all for me Reviewed on: 25th January 2019

Clear breakdown of where the money goes

Emma is the first service to clearly breakdown my spending over a month and shows me how to reduce those costs. The friendly and intuitive interface makes the app feel friendly and weekly email updates keep me feeling in the loop. Reviewed on: 25th January 2019

What the old banks should have done years ago

This is a great little app that allows me to keep track of my spending, reoccurring payments and much more. I now feel I have better control of my money, the last time I had something like this it was msmoney Reviewed on: 25th January 2019

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