The scores
Emma scores 3.5 out of 5 on Trustpilot from 543 reviews. Read the volume alongside the score before drawing conclusions from it.
Review scores by platform
Trustpilot
3.5/ 53.5 out of 5
Based on 543 reviews.
Retrieved 21 July 2026.
Read Emma reviews on Trustpilot(opens Trustpilot in a new tab)
Scores are whatever the platform showed on the date given. They move.
What reviewers praise
- Reviewers like how quickly it shows where money is going
- Finding and cancelling forgotten subscriptions is the feature people mention paying for
- The free tier is enough for a lot of people
What reviewers complain about
- Subscription cancellation is by far the most frequent complaint, with users reporting charges continuing after they believed they had cancelled
- Support response times on billing issues
- Some reviews on the profile relate to an unrelated product with a similar name, so read the detail rather than the headline score
In reviewers’ own words
“i thought i 'cancelled' my subscription via the app but i was getting charged for 6+ months”
What reviewers keep asking for
- No pension or retirement projection
- Nothing that models ISA allowances or UK tax over time
- Tells you what you spent, not whether you are on track
How it compares feature by feature
This page is about what users say. For the feature comparison, see Delphina vs Emma.
What reviewers asked for that is missing
Those requests are roughly what Delphina is for. It is UK-first, so pensions, ISAs and UK tax are the default rather than a workaround, and the projections run to retirement rather than to month end.
It is not a replacement for what Emma is good at, and plenty of people sensibly run both. The free plan is £0, no card.
More on Emma
Emma: common questions
Yes. Emma is an established product in the budgeting category, with 543 reviews on Trustpilot.
Subscription cancellation is by far the most frequent complaint, with users reporting charges continuing after they believed they had cancelled. Support response times on billing issues. Some reviews on the profile relate to an unrelated product with a similar name, so read the detail rather than the headline score.
No. Reviewers raise this directly: no pension or retirement projection. Delphina is built around them, if that is the gap you are trying to close.
Read the volume as well as the score. Trustpilot shows 543 reviews, and a score built on a small number of reviews moves a long way on a handful of opinions. The same caveat applies to every product in this category, ours included.