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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

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)

Emma is Great

I’ve been using Emma for such a long time now, it helps you budget, look at what your spending, where and how often and really helps you keep on track of things. Reviewed on: 4th April 2023

Bloody brilliant

Love this app. Absolutely unreal. Reviewed on: 4th April 2023

Best mates to keep you take control of your money

Been with Emma for past few years , helps me keep track and control my hard own money. Highly recommended Reviewed on: 4th April 2023

Fantastic App

I only use the free version, I love the ease of tracking my monthly spending and saving my money in the different categories (saving pots) Reviewed on: 4th April 2023

Great app for tracking spending across multiple accounts

Emma is great for giving me one place to view spending on all my accounts & cards. It allows me to see my actual available spending money each month in one place, rather than having to subtract credit card expenses from my current account across 3 separate banking apps. Reviewed on: 4th April 2023

Easy service

Makes it really easy to keep track of money Reviewed on: 4th April 2023

keeps me and my accounts accountable

I have been using the app on a off for a while now after learning about it from Peter Komolafe. Once I got used to the interface it was then part of my daily sanity check. This helped me to not overspend and keep track of all my accounts. I like the non invasive way they introduce new functionality to manage and grow your money. Reviewed on: 4th April 2023

Could there be a best app?

Emma allows me to to have a birds eye view on all of my bank accounts and monitor my net worth alongside my investments! Reviewed on: 4th April 2023

Thanks Emma !

I downloaded the app after my daughter recommended it to me. I was really struggling financually at the end of the month and found at times I had to borrow money to cover essential things I needed. After using Emma It gave me the tools I needed to budget effectively and I was able to see how much I was spending in any particular place which in turn allowed me budget and cut back effectively in those areas.. It is user friendly and I am able to easily get updates on my regular spending habits. Reviewed on: 4th April 2023

Upto date

Keeps me upto date with bills and how much money I've got left Reviewed on: 4th April 2023

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