The best MoneyHub alternatives for UK users (2026), honestly compared

First, whatever you choose: export your MoneyHub data now

Before anything else, get your data out. After 14 August, MoneyHub deletes it. Go to Transactions → cloud icon → download the CSV, and keep the file safe. (Full guide: how to export your MoneyHub data.)

If you mainly want a live spending tracker with bank sync

• Emma — popular UK money app with open-banking connections, subscription tracking and budgeting. Strong if you want the live-feed experience MoneyHub had.
• Snoop — free, clean, good at nudges and spotting bills you could cut.
• Money Dashboard / others — worth checking current status and features before committing, as this category has seen churn.

Trade-off to know: live bank feeds mean reconnecting banks periodically and the occasional broken connection — the price of automation.

If you want serious budgeting

• YNAB (You Need A Budget) — the gold standard for zero-based budgeting, with a devoted following. Paid, with a learning curve, but excellent at changing spending behaviour.
• Emma / Snoop also cover lighter budgeting needs.

If what you really wanted was the whole picture — net worth and the future

Here is the thing a lot of ex-MoneyHub users realise: the bit they valued most was not the transaction feed, it was seeing everything in one place — and MoneyHub never fully turned that into a plan.

WealthR is a UK net-worth tracker and financial-independence planner. It brings your savings, investments, ISAs, pensions and property into a single net-worth figure, gives you a budget, and forecasts when you could actually retire. It is the natural upgrade if you cared about the whole picture rather than this week's coffees.

• When WealthR is the right pick: you want net worth, long-term planning and a FIRE/retirement view, and you are happy to update figures yourself rather than rely on a live bank feed.
• When it is not: if your must-have is automatic live transaction syncing, a spending tracker like Emma will suit you better — WealthR is deliberately about the wealth picture, not the transaction stream.
• The MoneyHub angle: WealthR can read your MoneyHub export and turn it into your net worth and a starter budget in minutes, so you do not start from a blank page.

Quick chooser

• "I want every transaction, synced automatically." → Emma or Snoop.
• "I want to budget hard and change my habits." → YNAB.
• "I want my net worth, a real budget, and to know when I can retire." → WealthR.
• "I just want a backup of my data." → Export the CSV and keep it; decide later.

The bottom line

There is no single "best" MoneyHub replacement — there is the best one for the job you were doing. If that was tracking spending, Emma, Snoop and YNAB are great. If it was understanding and growing your overall wealth, that is what we built WealthR for. Whatever you pick: export your MoneyHub data before 14 August.

Frequently asked

This is general information, not financial advice. The figures WealthR shows are illustrative and depend on the inputs you provide. For decisions involving significant sums, please consult a qualified FCA-regulated financial adviser.