Best Moneyhub alternative UK (2026) — an honest comparison
Moneyhub’s consumer app is winding down in 2026 as the company pivots fully into B2B open-banking and pensions-dashboard infrastructure. If you’ve been using it as your personal finance home, you need somewhere to go. The honest answer isn’t one app — it’s two different answers depending on whether you used Moneyhub for budgeting or for holistic tracking.
- You used Moneyhub mostly for budgeting and transaction categorisation → Emma, Snoop, or Monzo (if you already bank there) will all do this well. Don’t over-shop.
- You used Moneyhub for net worth, pensions, and the whole picture → This is the harder migration. Options include earmarkIQ, Delphina, and No More Winging It. We go deeper on this case below.
What’s actually happening with Moneyhub
Moneyhub started life in 2014 as one of the early UK personal-finance apps, building on the open-banking infrastructure as it became available. Over the years the company pivoted increasingly toward B2B — providing the plumbing that lets pension providers, banks and wealth managers offer connected financial pictures to their customers. The consumer app remained, but it stopped being where the company’s growth was.
In February 2025, Moneyhub announced the consumer app would be wound down. The key facts:
- No new customers — sign-ups are already closed.
- Estimated decommission date: 14 August 2026. Existing users have an 18-month window from the announcement.
- Existing accounts must be kept active by logging in at least once every 90 days; accounts that go inactive for longer may be deactivated before the 14 August deadline.
- All user data will be securely deleted from Moneyhub’s systems after the decommission date. Export anything you want to keep before then.
Moneyhub’s own End-of-Service statement frames the change as a refocus on its B2B technology partnerships: “as we shift our focus to business channels, you’ll continue to benefit from our technology through one of our financial services partners.” Check your Moneyhub account and email for the exact dates that apply to you — the figures above are the publicly announced general timeline, but your specific account may have different dates.
First, work out what you actually used it for
Moneyhub’s value to you wasn’t one thing — but you probably used it for one of two main jobs. Knowing which narrows the migration question dramatically.
The budgeting use case
Open-banking-powered transaction aggregation across your current accounts and credit cards, automatic categorisation, monthly spending review, perhaps a spending budget by category, bill reminders. This is the most common Moneyhub use case — and also the most replaceable. The UK market has multiple capable budgeting apps and the biggest banks now do good-enough categorisation in their own apps.
The holistic-tracking use case
Net worth across cash, ISAs, pensions, investments and property. Multiple pension pots tracked together. A longer-horizon view than just this month’s spending — the trend year over year. This is the use case Moneyhub served well for higher-earner customers and the one with materially fewer good migration options. If this was you, most of the budgeting apps below are not what you’re looking for.
For budgeting users: the realistic shortlist
Snoop / Snoop Plus
UK-built, open-banking aggregation with a strong emphasis on bill-saving alerts (utilities, mobile, broadband). The free version is fairly limited — for custom spending categories, a more detailed view, and the ability to export your data you’ll want Snoop Plus, around £4.99/month or £39.99/year (works out to ~£3.33/month on the annual plan, the cheapest equivalent to Moneyhub you’ll find). Probably the best low-cost match for Moneyhub’s budgeting use case.
Emma
One of the most comprehensive UK budgeting apps. Free tier links up to two bank accounts and tracks wasteful subscriptions. Paid tiers — £4.99 to £14.99/month depending on tier — add unlimited bank connections, bill reminders, custom categories and smart rules. Emma Ultimate has cashback features. If you want a premium app with most of Moneyhub’s feature depth, this is the closest match.
Monzo Extra (if you already bank with them)
Monzo’s £3/month Extra subscription adds the budgeting features that aren’t in the free bank account: custom categories, ability to link other banks and credit cards, auto-spreadsheets, and credit insights from three reference agencies. For single-bank Monzo households this is often enough and cheaper than adding a separate budgeting app.
YNAB (You Need A Budget)
US-built but UK-compatible since they added UK bank-account linking. Philosophy-led (“give every dollar a job”) rather than passive tracking; comes with a 34-day free trial you don’t need to actively cancel. Good fit if you want a budgeting app that nudges behaviour change, less so if you just want to see where money went last month.
PocketSmith
Newer UK entrant. Free version supports manual imports, up to 12 budgets, and a couple of accounts. Paid version adds automatic bank feeds, asset tracking (not just liabilities), and forecasting tools — closer to a hybrid budgeting / net-worth tool than a pure budgeting app.
ActualBudget
Free open-source budgeting app. You can host it yourself if you’re technically inclined, or use a third-party hosting partner like PikaPods for around £1.20/month. End-to-end encryption, bank linking via standard open-banking connectors. The right choice if privacy and self-hosting matter more to you than polish.
Your bank’s in-app tools
Most high-street banks now offer in-app budgeting features connected via open banking — Lloyds, NatWest and Monzo all have versions. These are usually free and may be enough as a starting point. The trade-off is that they tend to be less sophisticated than dedicated budgeting apps, and you may not want to link your other accounts into your main bank’s app for privacy reasons.
For holistic / net-worth users: the harder migration
Honest reality: this is the genuinely thin part of the UK market. Most personal-finance roundups (including Money to the Masses’ recent Moneyhub coverage) focus on budgeting because that’s where the choice is. For net-worth, pension and asset tracking specifically, the shortlist is short.
PocketSmith (paid tier)
Worth a second mention here. The paid version of PocketSmith adds asset tracking, automatic bank feeds, and forecasting tools that go meaningfully beyond pure budgeting. The closest off-the-shelf option for someone who primarily used Moneyhub for the net-worth picture and is willing to do some manual pension entry. Doesn’t handle UK tax minutiae or multiple DC pension consolidation natively, but it’ll get you a single dashboard view.
A spreadsheet
Not flippant. A lot of UK higher earners who used Moneyhub for net worth end up back on a Google Sheet — listing each pot, each property, each ISA, with monthly check-ins. Works fine for the tracking job; collapses the moment you want projections, tax interactions, or anything live-priced.
No More Winging It
Full disclosure — this is the app this guide sits on. Built specifically for UK higher earners who want pensions, ISAs, property, net worth and cashflow connected, with UK tax handled as a first-class concept rather than an afterthought. Multiple DC pension pots tracked together, DB approximation, AI bank-statement upload (so you don’t depend on open banking when a connection drops), live asset pricing for stocks / ETFs / crypto, solicitor-grade Financial Summary PDF export. Free tier with manual entry; Pro at £15/month or £150/year.
We’re honest about where we’re different from Moneyhub: we don’t do open-banking aggregation. Transactions come in via AI bank-statement upload (PDF), which most users find more reliable in practice (open-banking connections drop monthly) but is genuinely a different model. If automatic feeds are non-negotiable for you, PocketSmith’s paid tier is probably the closer fit.
Comparison table
| Snoop Plus | Emma | Monzo Extra | PocketSmith | No More Winging It | |
|---|---|---|---|---|---|
| Best for | Budgeting + bill savings | Budgeting depth | Budgeting (Monzo users) | Net worth + automated feeds | Net worth + UK pensions + tax |
| Cheapest paid tier | £3.33/mo (annual) | £4.99/mo | £3/mo | ~£7/mo | £12.50/mo (annual) |
| Free tier | Yes (limited) | Yes (2 accounts) | Bank account free, Extra paid | Yes (manual import) | Yes (manual entry) |
| Open-banking aggregation | Yes | Yes | Yes | Yes (paid) | No (AI statement upload) |
| Multiple pension pots | No | Limited | No | Manual | First-class |
| DB pension support | No | No | No | No | Yes (20× approximation) |
| UK tax (60% trap, salary sacrifice) | No | No | No | No | Yes |
| Live asset pricing (stocks / crypto) | No | Partial | No | Yes (paid) | Yes |
| Pension projection / what-ifs | No | No | No | Forecasting | 6 scenarios |
| Solicitor-grade summary PDF | No | No | No | No | Yes |
| UK-built | Yes | Yes | Yes | New Zealand (UK-compatible) | Yes |
Pricing and features as of June 2026. Feature availability and pricing change frequently — double-check each provider’s current site before switching. YNAB, ActualBudget and your bank’s in-app tools omitted from the table to keep it readable; covered in the prose above.
How to export your data from Moneyhub before it closes
Per Moneyhub’s own guidance (which Money to the Masses confirms), the export flow is:
- Open the app or web browser version of Moneyhub and log in.
- Go to the Transactions menu in the main navigation.
- Click the cloud icon at the top of the Transactions view.
- Your data will download as a spreadsheet (typically CSV). Save it somewhere you’ll find it again — this is the most portable format and what you’ll need to bring history into any new app.
After Moneyhub’s decommission date, all user data will be securely deleted from their systems — so do this before 14 August 2026, or earlier if your account becomes inactive.
GDPR fallback: if the export option above isn’t working for you, email Moneyhub’s data team with a Subject Access Request. They’re legally required to provide all personal data they hold on you within one month of the request, free of charge.
No More Winging It is built for the higher-earner / holistic case — multiple pensions, property, ISAs, UK tax as a first-class concept, longer-term tracking rather than just this month’s spend. Free tier with manual entry; Pro (£15/mo) adds AI document upload, the Personal Intelligence chat, and live asset pricing.
Try it free →FAQs
Why is Moneyhub closing?
Moneyhub announced in February 2025 that it is winding down its consumer app to focus on B2B technology partnerships with financial institutions. No new customers are being accepted; existing customers can keep using the app for 18 months from the announcement, with an estimated decommission date of 14 August 2026.
Will my Moneyhub data be deleted?
Yes. After the decommission date, all user data will be securely deleted from Moneyhub’s systems in accordance with their terms and conditions. Export your data before then: open the app or web version, go to the Transactions menu, click the cloud icon, and your data downloads as a spreadsheet.
Do I need to do anything to keep my Moneyhub account active?
Yes — log in at least once every 90 days. Accounts that go inactive for longer than 90 days may be deactivated before the 14 August deadline.
What’s the best Moneyhub alternative for budgeting?
Snoop Plus (£4.99/mo or £39.99/yr) is the cheapest paid Moneyhub-equivalent. Emma is the closest match for feature depth (£4.99–£14.99/mo tiers). Monzo Extra (£3/mo) is the lowest-friction option if you already bank with Monzo. YNAB, PocketSmith and ActualBudget cover the rest of the spectrum.
What’s the best Moneyhub alternative for net worth and pensions?
The market is honestly thin here. PocketSmith’s paid tier is the closest off-the-shelf option for automated asset tracking and forecasting. No More Winging It is built specifically for the UK higher-earner case (multiple DC pension pots, DB approximation, UK tax surfaces like the 60% trap), though it uses AI bank-statement upload rather than open-banking aggregation. For some users, a spreadsheet remains the right answer.
Is open banking aggregation safe?
Yes, with caveats. Open banking is a UK-regulated framework administered by the Open Banking Implementation Entity, with strict authorisation requirements for any provider accessing bank-account data. The provider can read transactions and balances but cannot move money without your separate authorisation. The main risks are at the provider level — if the company is hacked or shuts down (as Moneyhub’s consumer arm now demonstrates), your historical aggregated data may be exposed or lost — so choose providers with clear data-retention and shutdown policies.
Nothing on this page is regulated financial advice or a formal endorsement of any product. Features and pricing change; verify on each provider’s site before switching. Moneyhub timeline and decommission details cross-checked against Money to the Masses (27 Feb 2025) and Moneyhub’s own End-of-Service announcement.