Moneyhub alternatives: what to use now the app has closed

Moneyhub did not fail. It changed direction. The company supplies open banking technology to banks, pension providers and insurers, and it decided to focus on supporting those enterprise clients rather than serving consumers directly. The business and the platform continue. The consumer app was handed to WPS Advisory, which runs it as WPS LifeStage, and Moneyhub's own help centre gave 31 July 2026 as the date the original app was switched off. Accounts not migrated or exported by then were deleted.

That is a useful thing to notice while you pick a replacement. The app did not close because nobody used it. It closed because serving consumers directly stopped being the strategy. Any tool you move to can make the same call, which is a good reason to prefer one you can export from easily and to keep your own copy of anything you would miss.

“My money app closed” covers four separate losses, and they are not equally hard to replace.

This is the whole trick, and it saves a lot of wasted signing up. Moneyhub combined aggregation and planning, and they are different products wearing the same coat.

Aggregation is backward-looking and automatic. It connects to your accounts, pulls balances and transactions, categorises them, and tells you what you have and what you spent. It answers “where did the money go”.

Planning is forward-looking and deliberate. It takes your income, bills, assets and debts and projects them out, so you can see whether the mortgage renewal is affordable, what a career break does to the balance, or when the debts are genuinely clear. It answers “what happens next, and what should we do about it”.

Most of the market is heavily weighted to the first. That is not a criticism, it is just where the category grew up. But if what you liked about Moneyhub was the sense of a plan rather than the transaction list, a pure tracker will feel like a downgrade no matter how polished it is, and you will not be able to say why.

• Which half is it really? Look at the screenshots. If every one shows a spending breakdown of the last month, it is a tracker, whatever the marketing says about planning.
• Is it built for the UK? Income tax bands, National Insurance, student loan plans, ISA allowances and pension contributions all work differently here. Tools built for other markets often handle them partially or not at all, and the error compounds over a multi-year projection.
• Can you get your data out? Ask on day one, not on the day it closes. Moneyhub gave notice and an export route, which is the good version of this. Not everyone will.
• Does it handle a household, or one person? Two incomes, joint bills, a shared mortgage and children are the normal case, and a surprising number of tools model a single individual and expect you to add things up yourself.
• How is it paid for? A free tool is being funded somehow. Sometimes that is fine. Sometimes it is product referrals sitting inside the advice, which is worth knowing before you take the advice.

CrestCast is a replacement for the planning half.

What it will do: take your income, bills, assets and debts and forecast your household forward across months and years, as cashflow, profit and loss, and net worth. UK income tax, National Insurance and student loan repayments are handled properly rather than approximated, including the Scottish bands if that is where you live. You can model a decision (overpaying the mortgage, one partner going part-time, a new child, a move) and compare it side by side against carrying on as you are. One subscription covers the household, so both partners see the same picture rather than one person maintaining a spreadsheet.

The planning half, ten years of it

Figures shown are the sample profile, not a real household.

Where it stops: the aggregation half. There is no bank connection and no open banking, so no live balance and no spending breakdown of last month, and no retirement projection either, though pension balances do count towards net worth. If the automatic feed was the thing you valued about Moneyhub, get a proper aggregator and treat CrestCast as something you run alongside it.

The trade: you put the figures in yourself, which is a sitting at the kitchen table rather than a tap. Saving a statement as a date, description and amount CSV shortens the longest part of it, because CrestCast reads that on your device and proposes the recurring payees it finds. It is still real work, and it buys two things. The model holds exactly what you told it, including what a bank feed cannot know, such as the pay rise agreed for April or the car you intend to replace next year. And nothing is ever read from your accounts, which for some people is the entire point.