A Moneyhub Alternative for Planning-Minded People

If you are reading this, you have probably seen the news: Moneyhub is closing its direct-to-consumer app on 31 July 2026, with users pointed toward a white-labelled adviser front-end instead (tech.eu, February 2025; Moneyhub press release). One of the few mainstream UK apps that leaned toward planning, rather than just tracking, is leaving the consumer market. If you used it to actually understand your money and think ahead, you now need somewhere to go.

This article is honest about what Doughsense is and is not, so you can decide whether it fits.

What Moneyhub was good at

Moneyhub's strength was aggregation. It connected to a wide range of UK accounts through open banking and pulled everything into one place, so you could see your whole financial picture without logging into ten different apps. For a lot of people that single-view visibility was the whole point.

If pure account aggregation is all you want, there are several UK apps that do it. But if you valued Moneyhub because it nudged you toward planning, forecasting, and better decisions, aggregation alone will feel like a downgrade.

Where Doughsense comes from

Doughsense starts from a different question. Most money apps look backwards: they categorise what you spent last month and show you charts of your history. Doughsense looks forwards. Rather than categorising past spending, it projects your finances into the future so you can see where your current path leads and change it while it still matters.

That difference shapes everything:

• Projections, not just balances. Model your accounts, assets, liabilities, income, and expenses, then roll them forward for years to see how your net worth, retirement date, or debt payoff actually plays out.
• Honest probability. A Monte Carlo simulation stress-tests your plan against decades of market history and tells you how often it holds up, instead of drawing one optimistic line. Our methodology page explains exactly how it works and where it simplifies.
• A solver that answers questions. Ask what it would take to retire at 55, or how much you could safely spend, and Doughsense works backwards to the number.
• Twelve financial-health metrics that turn your position into plain-language signals rather than raw balances.
• UK-native modelling of ISA, LISA, and pension wrappers, so allowances and tax relief are built in rather than bolted on.

On the Live tier, Doughsense connects to your UK bank so the plan keeps itself current, which is the piece that recovers the always-up-to-date feel Moneyhub gave you. You can also use it free with manual data if you would rather not connect accounts.

Where Doughsense is different, and where it stops

Being a good alternative means being clear about the gaps too.

• Doughsense is a forward-looking planner, not a spending-categorisation app. There are no envelope budgets or detailed "where did my money go last month" reports, because that is deliberately not what it is for.
• Its UK tax modelling covers the main wrappers and marginal relief, but it does not go to full adviser depth: no defined-benefit pension mechanics, inheritance-tax planning, offshore bonds, or trusts. If your plan turns on those, treat it as one input and take professional advice for the specialist parts.
• Household and partner tax modelling is not part of the product yet.

None of that is hidden in the small print, because a tool that criticises black boxes should not be one.

Should you switch before 31 July 2026?

If you used Moneyhub mainly as an account viewer, any aggregator will replace it. If you used it because it helped you plan, and you want a tool that projects your future, stress-tests it honestly, and is built for UK savers and investors, Doughsense is worth a look. You can start free with manual data, and there is a 14-day trial of the Live tier with no card required, so you can try the planning before your Moneyhub app switches off.

Either way, do not leave it to the last week of July. Export what you need from Moneyhub while you still can, and give yourself time to settle into whatever you choose next.