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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

67% 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)

An overview you would need to pay a financial adviser to provide.

Regardless of the added Benefits that have come into the Emma app over the years. having been an early adopter it’s more than proven it’s value to me. Since the beginning Emma has provided be with the financial intelligence to make informed decisions whilst also providing a safe and secure place to access all my day to day financial information. Whenever I hear if someone saying “I don’t know where my money goes” I recommend Emma! Reviewed on: 5th April 2023

The motivation you need to stay on top of your money goals

I was constantly “ignoring” my bank balance until the end of the month, getting to payday and realising I was still broke. Emma came through with nifty little notifications to ensure I knew exactly what I was spending, where I was spending and how to cut back. I’d recommend to all my friends, especially ones in their 20’s living in expensive cities. Reviewed on: 5th April 2023

Great way to keep track of your budget

Since life started becoming more expensive in the UK, I'm trying to be more mindful of my spending. Emma makes it really easy to do that as everything is largely automated and really flexible. There are some features only available on pro which would be nice to have, but the free version is also more than manageable. Reviewed on: 5th April 2023

Great all-in-one finance app

I've tried a lot of different budgeting and expense tracking apps, and Emma is the best I've found. It includes everything I need and is super helpful for managing my spending and keeping track of regular bills. The only downside is that you need to pay for certain features, some of which I'd really like but can't really afford. Reviewed on: 5th April 2023

Best things I did

I was in a total mess in debt and just never had a penny to my name I used Emma to save my money I now have enough to put a deposit down on a home for me and my new family my little baby boy Reviewed on: 5th April 2023

Simple, efficient product for your budgeting needs

I've been using Emma for around 3 years now and I have no complaints. Using it I'm able to set budgets for my categories (Groceries, Shopping, Holidays etc) and get notified when I'm about to spend too much on any of them. Since I first started using it, Emma has introduced exciting new features related to saving and investing. Keep up the good work! Reviewed on: 5th April 2023

Emily is the bestest friend ever

Emily has really helped me out where my finances are concerned. Reviewed on: 5th April 2023

Now I can manage my finances!

Emma has helped me see much more easily exactly how I am spending and managing my money across multiple bank accounts. I finally feel like I have control over my finances and Emma has been invaluable in this. Reviewed on: 5th April 2023

Perfect

Nothing wrong with the app if you haven’t installed it then your just missing out really Reviewed on: 5th April 2023

Great app to budget and track spending

A great app to keep track ok your spending and to help you budget. Reviewed on: 5th April 2023

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