Best Moneyhub Alternatives UK 2026: Where to Go Now It's Closing (Aug 14 Deadline)

In February 2025, Moneyhub announced that its consumer app was closing so the company could focus on its business-to-business open banking work. New sign-ups stopped immediately. Existing users can keep logging in until 14 August 2026, after which the consumer service shuts down for good and all user data is securely deleted. If you have a Moneyhub account, you have a few months left to find a moneyhub alternative and move your tracking somewhere else.

The deadline at a glance. Moneyhub's consumer app closes on 14 August 2026. New sign-ups are already closed, so you cannot start a fresh account. You can keep logging in and using the app right up to that date, after which your account and all of its data are permanently deleted. Moneyhub has also said accounts left dormant for around 90 days can be closed early, so log in at least once a quarter if you want to hold access until the deadline. Whatever you switch to, export your data before 14 August — once it is deleted, it is gone for good.

Most of the "best Moneyhub alternative" lists you will find online recommend budgeting apps. That misses what made Moneyhub special. Moneyhub was not primarily a budgeting tool. Its loyal users picked it because it pulled together bank accounts, investments, pensions, property values via Zoopla, and manual assets, and gave them one number for their net worth over time. Replacing that is a different problem from replacing a spending tracker, and it deserves a different shortlist.

This post is for the people losing the net worth tracking, not the budget categorisation. We will cover what to look for, the options worth considering, and where each one falls short. One upfront note: we built Aureli, so we are not a neutral party. Aureli is on the list because it would be strange to leave it off, but where another tool fits a use case better, we say so.

What you are actually losing when Moneyhub closes

Before working through the alternatives, it is worth being clear about which Moneyhub features matter to its committed users. Most of them fall into four categories.

The first is multi-account aggregation across pots. Moneyhub connected current accounts, savings, ISAs, SIPPs and workplace pensions, brokerages, and credit cards through FCA-regulated open banking. The real value was not any single connection. It was seeing the lot in one place.

The second is property valuations. Moneyhub integrated with Zoopla and Mouseprice to pull automatic estimates for UK property. Property is the largest asset on most UK balance sheets, and an automatic valuation, even an imperfect one, was a differentiator that very few other tools offered.

The third is net worth over time. A historical chart of total assets minus total liabilities, in GBP, going back as far as your account did. This is the headline view for anyone tracking wealth rather than budgeting.

The fourth is forecasting and goals. A view of where your finances are trending, with the ability to plan retirement and compare scenarios. Not unique to Moneyhub but a meaningful part of the experience.

If those are the features you used most, the answer to "what should I switch to" depends on which of them you can replace and which you are willing to do without. With that in mind, here are the options.

Aureli

We built Aureli to solve roughly the same problem Moneyhub solved: a single, UK-focused view of total wealth across assets, debts, pensions, and property. Take this section with appropriate scepticism and check it against the others.

What it does well. UK-first design with GBP as the default base currency. ISAs, SIPPs, workplace pensions, and property equity are first-class asset types rather than awkward generic line items. Live market prices for stocks, ETFs, and crypto, with multi-currency conversion at daily FX rates. UK open banking via Finexer keeps current account and credit card balances synced automatically. An AI chat layer that lets you ask questions about your own portfolio in plain English. Milestones and projections for tracking progress against goals.

What it does not do yet. We do not have a Zoopla integration for automatic property valuations, so property has to be added and updated manually. There is no transaction-level budgeting in Aureli, by design. If you came to Moneyhub for spending categorisation, this is not the tool. There is no native iOS or Android app yet, although the web app works on phones.

Pricing. Free tier available. Pro is £7 per month or £60 per year in the UK.

Best for. UK users who used Moneyhub primarily as a wealth tracker rather than a budget tool. People who care about a clean net worth number, multi-currency support, pension and ISA visibility, and updating balances monthly rather than daily.

You can read more about how we think about the wealth-versus-spending split in our UK net worth tracker comparison, and see how UK wealth typically breaks down in Average Net Worth by Age in the UK. If you want to skim the feature set first, the features page is the quickest summary.

Emma

Emma has been the most aggressive name pursuing displaced Moneyhub users. They have published their own migration guide and clearly view the shutdown as a growth opportunity. They are a credible UK option, and worth a serious look if your needs lean towards budgeting.

What it does well. Strong open banking coverage of UK banks, credit cards, and savings accounts. Subscription detection and bill tracking are genuinely good. Spending categorisation is the headline feature, and Emma does it as well as anyone in the UK market. Investment tracking has improved over the years and is now reasonable.

What it does not do as well. Emma is a budgeting app first, with a net worth view stitched on top. The dashboard, the alerts, and the categorisation engine are all built around transactions. Pensions and property can be added manually but they sit awkwardly next to the connected accounts. If your wealth is concentrated in connected current accounts and credit cards, the totals look right. If most of your money is in a SIPP, a workplace pension, and your house, it feels like the tool was not built for you, because it was not.

Pricing. A free tier exists but is limited. Paid tiers start around £5 per month and rise to about £15 per month for the top plan, with several intermediate options. The pricing model has been criticised as confusing and has changed more than once.

Best for. Users who want budgeting and spending control as their primary focus, with a basic net worth figure alongside. If that describes how you actually used Moneyhub, Emma is a sensible move. If it does not, Emma will frustrate you for the same reason a hammer frustrates someone trying to tighten a screw.

PocketSmith

PocketSmith is a long-running New Zealand product that does net worth tracking, multi-currency support, and detailed cash flow forecasting. It is one of the few tools on this list that takes net worth seriously.

What it does well. Genuine multi-currency. GBP is supported as a base currency without compromise. The forecasting view, projecting where balances will be in 6, 12, or 24 months, is the best in this category and the closest you will find to Moneyhub's planning features. Property and pension assets can be tracked manually with reasonable account types.

What it does not do as well. It is not UK-focused. Bank connections in the UK go through third-party feeds rather than direct open banking, and reliability has historically been patchy. There is no native handling of UK-specific wrappers like ISAs or SIPPs; you label those yourself. The interface feels older than newer competitors. Pricing is also higher than most UK-native options, particularly once you compare like-for-like in pounds.

Pricing. The free tier is limited. Premium starts around $10 per month and Super sits around $19 per month, billed in US dollars.

Best for. Expats, people with finances spread across multiple countries, or anyone whose primary requirement is forward forecasting rather than just current balances. For a single-country UK user, the cost-to-fit ratio is harder to justify.

Snoop

Snoop is free, well-designed, UK-native, and aimed squarely at people who want help managing day-to-day spending. It is on most "Moneyhub alternative" lists, but the comparison is misleading.

What it does well. Free. Good UK bank coverage via open banking. Smart spending insights, bill switching prompts, and a clean mobile experience. If you used Moneyhub mostly as a place to see your bank accounts and watch your outgoings, Snoop covers that ground.

What it does not do. Net worth tracking is not really there. Investments, pensions, and property are not first-class concepts. There is no proper assets-and-liabilities view of total wealth. Anyone who used Moneyhub for the wealth side of the product will find Snoop a step backwards.

Pricing. Free, with the company monetising through bill switching partnerships.

Best for. Casual Moneyhub users who mainly used the app for spending visibility and never engaged much with the net worth features. If you cannot remember the last time you opened the wealth dashboard in Moneyhub, Snoop is a clean, free landing spot.

Nova Money

Nova Money is a newer UK-based product that includes some net worth tracking and financial planning features. It is worth being aware of, although it is less established than the other options here.

What it does well. UK-focused. Cleaner positioning around long-term planning than the budgeting-led incumbents. Combines account aggregation with goal-based planning in a single app. Mobile-first.

What it does not do as well. Smaller catalogue of asset types and integrations compared with Moneyhub or PocketSmith. Less proven track record. Pension and property handling is lighter. Documentation and community support are thinner, which matters more than people expect once you actually try to do something specific.

Pricing. Free tier with paid options layered on top. Worth checking the Nova Money website for current plans, since this kind of detail moves around for newer products.

Best for. Users who want a simpler, mobile-first UK alternative and are willing to trade depth for ease of use. Worth a try, particularly if Aureli or Emma feel like the wrong shape.

A manual spreadsheet

It is fair to assume a meaningful share of ex-Moneyhub users will fall back on a spreadsheet. The communities at r/UKPersonalFinance and r/FIREUK have polished templates, and Google Sheets can pull live prices for major stocks via

GOOGLEFINANCE

.

What it does well. Free. Total privacy, with no third party touching your data. Infinite customisation. If you want to track an obscure asset class or build a view nobody else has, a spreadsheet will let you. Many of the most diligent net worth trackers eventually end up on one.

What it does not do. Nothing updates by itself. UK bank balances have to be entered by hand. Live prices are unreliable for funds, less liquid stocks, and most crypto. Mobile experience is poor. The biggest risk is abandonment: spreadsheet trackers have an exceptionally high rate of being maintained for two months and then forgotten, at which point the data is worse than useless because you trust it without checking.

Best for. People who genuinely enjoy spreadsheets, will commit to a monthly update routine, and value control and privacy above convenience. If that is not you, an automated tool you actually use is better than a perfect spreadsheet you do not.

How to migrate off Moneyhub before August 2026

Switching apps is the easy part. The bit people leave too late is getting their history out of Moneyhub before 14 August, when it is deleted for good. Here is the order to do it in, and none of it needs to wait until the last week.

First, export your data. From inside the Moneyhub app, go to the account or settings section and look for a data export option. Exports are typically delivered as CSV files covering your accounts, balances, and transactions. Do this in good time rather than on the final day, when support queues and server load tend to spike. Check the Moneyhub help centre for the current steps, since they have changed the flow more than once. If the standard export does not give you everything, you can also make a subject access request under UK GDPR, though that takes longer to come back.

Then, save the things the export misses. The automatic export is built around connected accounts and transactions. The numbers you typed in by hand often are not in it. If you have been updating a property value, a workplace or defined benefit pension, a private company stake, or any other manual asset inside Moneyhub, copy those figures out separately into a note or spreadsheet before the account closes. The same goes for your net worth history if you want to keep the shape of the chart, since most tools cannot import a historical net worth line, only current balances. Save everything somewhere durable, like cloud storage or your laptop, rather than only on your phone.

Next, pick where you are going. Use the comparison above to choose based on whether you valued Moneyhub for wealth tracking or budgeting. If you mainly watched your net worth, Aureli, PocketSmith, or a disciplined spreadsheet are the closest fits; if you mainly tracked spending, Emma or Snoop will feel more familiar. There is no need to wait until August to set this up. Running your new tool alongside Moneyhub for a few weeks is the safest way to confirm the numbers match before the old app disappears.

Then move the data in. Reconnect your current accounts and credit cards through open banking in the new tool, and re-enter the manual assets and balances you saved. If your new tool supports CSV import, do one small test file first to check that the date and amount formats line up before importing everything. In Aureli, ISAs, SIPPs, pensions, and property equity are first-class asset types, so the manual figures you rescued from Moneyhub have a proper home rather than sitting in a generic "other" bucket. The features page is the quickest summary of what maps across, and our UK net worth tracker comparison goes deeper on each option.

Finally, verify before 14 August. Once your new tool is set up, check that the totals broadly match what Moneyhub showed, then make a note to log back into Moneyhub one last time near the deadline in case you forgot anything. After 14 August 2026 the deletion is final: your historical chart, balances, and notes are gone, and there is no recovering them. A weekend spent migrating now is cheap insurance against losing years of records.

Choosing the right replacement

The single most useful question to ask yourself is whether you want a budgeting app or a net worth tracker. The shape of the answer changes which of the options above is the right one.

If you mainly used Moneyhub for spending categorisation and bill tracking, Emma is the most direct UK replacement, with Snoop as a free fallback. If you used it primarily as a wealth tracker, neither of those will feel right, and Aureli, PocketSmith, or a disciplined spreadsheet will fit the brief better. If you used it for both, the honest answer is that almost no single tool does both well, and pairing a net worth tracker with a separate budgeting app is usually a better outcome than searching for an all-in-one that does nothing brilliantly.

Whatever you pick, the habit matters more than the software. A monthly net worth check-in beats any feature list, and most of the long-term value comes from showing up consistently rather than from any specific tool. Moneyhub closing is a good prompt to revisit how you track your finances and whether the tool you use actually fits the way you think about money.

If you want a UK-focused net worth tracker without the budgeting noise, that is what we built Aureli to be. If your needs sit somewhere else on the map, one of the other options here will serve you well.