Moneyhub
Moneyhub closed its direct-to-consumer app on 31 July 2026. The company continues, focused on the open banking and data platform it provides to businesses, and the closure was announced well in advance. But if you were one of the people using the app itself, the question is practical: where do the jobs it did for you live now?
Moneyhub's app was one of very few mainstream UK apps that took planning seriously alongside aggregation: it connected your accounts, categorised your spending, forecast your cashflow, and modelled your retirement. Doughsense is a UK planning tool built around the second half of that list. This page maps what carries over, factually and without a sales pitch, so you can judge the fit yourself.
What Carries Over
| If you used Moneyhub for | The nearest Doughsense equivalent |
|---|---|
| Accounts in one place | UK bank feeds on Plus; other assets and debts in one Wealth view |
| Cashflow forecasting | Income and expenses project forward from the plan |
| Retirement modelling | UK pensions and ISAs, projected monthly, with Monte Carlo |
| Spending against a plan | Transactions matched to their planned payments, on Plus |
| Net worth | One picture, with a projected trajectory rather than only history |
Each row's detail is in the sections below; the table is the map, not the claim.
Where They Differ
Moneyhub was aggregation-first: its strength was breadth of live connections, including pensions, investments, and mortgages in one view, with planning features alongside. Doughsense is planning-first: the plan is the product, and the bank feed exists to keep the plan honest.
That difference is worth being plain about. Doughsense's live connections are UK current accounts and cards through open banking. Pension and investment balances are part of your plan rather than live feeds: you set the contributions and growth assumptions, the projection carries them forward, and you can correct a balance whenever a statement arrives. If breadth of live aggregation was the main thing you used Moneyhub for, that is a real gap to weigh. If the forecasting and retirement modelling were the point, Doughsense goes further than the app you are replacing: monthly-granularity projection to life expectancy, Monte Carlo confidence on your milestones, and UK tax treatment (pensions, ISAs, allowances) applied inside the engine rather than left to you.
See It in Action
Doughsense timeline showing projected net worth over decades
Pricing
Doughsense is free forever with manual data: the whole planning engine, projections, and metrics with no time limit. The Plus tier adds UK bank feeds and a self-maintaining plan for £10 per month or £80 per year, with a 14-day Plus trial that starts when you connect your bank and no card required. There is no white-label or adviser-led version; it is a direct, self-serve product.
Frequently Asked Questions
What happened to Moneyhub's consumer app?
Moneyhub closed its direct-to-consumer app on 31 July 2026 to focus on its business platform, which continues. The closure was announced well in advance, and the company remains a significant UK open banking provider. This page is about where the app's planning jobs can live now; it is not a review of that decision.
Is Doughsense a like-for-like replacement for Moneyhub?
No single app is. Moneyhub's breadth of live aggregation, including pensions and investments in one view, was its own thing. Doughsense connects to UK current accounts and cards through open banking on the Plus tier, and models pensions and investments as part of your plan rather than as live feeds. Where Doughsense goes further is the planning side: projections to life expectancy, Monte Carlo stress-testing, and UK pension and ISA modelling built in.
Can Doughsense import my Moneyhub data?
There is no direct Moneyhub import. A new plan takes most people 10 to 15 minutes with guided setup: accounts, income, and regular payments. On the Plus tier, UK bank feeds and AI-assisted onboarding fill in the day-to-day picture, and your balances stay current from there.
Does Doughsense do cashflow forecasting?
Yes. You set your income and expenses once and the register projects them forward, so a tight month or an annual bill is visible long before it arrives. The same model that projects next month also runs to life expectancy, so the short-term forecast and the long-term projection cannot disagree with each other.
Can Doughsense model my retirement?
Yes. UK pensions and ISAs are modelled natively, with tax treatment applied rather than assumed away. The "When can I retire?" journey answers on your own numbers: if you changed your contributions or your retirement age, you would see the projected outcome move, including the percentage of historical market scenarios in which the plan holds.
Competitor details were accurate as of July 2026. Features and pricing may change - visit their site for the latest. Spot something outdated? Let us know.
Looking for a new home for your plan?
Doughsense is free to plan with manual data, and a 14-day Plus trial begins when you connect your bank. No card required.
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