Moving on from Moneyhub: your net worth after the app

Moneyhub, one of the UK's longest-running money apps, has left the consumer app business. If you used it, you have a decision to make and, as of the publication date of this guide, very little time left to make it. Here is what actually happened, the deadline that matters, and how to rebuild the picture.

What actually happened

Moneyhub announced in 2026 that it was exiting its consumer app business, with 14 August 2026 as the shutdown date for the service it ran itself. The app has not simply vanished, though. It continues under WPS Advisory, and from mid-July 2026 users were prompted at login to opt in to the new arrangement; for those who do, the platform carries on with the provider and branding changed.

Both halves of that are worth absorbing. The product people relied on still exists, in a new home. The company they originally signed up with has stepped back from it. Whether to follow the app to its new owner or to take your data somewhere else is a fair question with respectable answers in both directions, and this guide is not going to pretend to answer it for you. What it will do is insist on the deadline.

The deadline that matters

Users who neither opt in nor log in by the end of August 2026 have their accounts and data permanently deleted. Not archived, not suspended: deleted. This guide is published on 18 August 2026, which leaves under a fortnight.

Permanent deletion of a long-running account is a real loss even if you never intend to open the app again. Years of transaction history, categorised spending and net worth records are exactly what a future tracker, a mortgage application or plain curiosity would want. Whatever you decide about the app, decide about the data first.

Export your data now, either way

Log in before the end of August 2026 and get your data out, even if you intend to opt in and carry on. An export costs minutes and removes any dependence on decisions other people may make later. Take transaction exports for every connected account, a list of each account and asset you had linked with its current balance, any net worth or spending history the app will give you, and screenshots where export falls short. Files in your own storage are the one copy no provider change can ever touch.

That habit is worth keeping beyond this month. Whatever tool you use next, prefer one that treats export as a right rather than a favour. Your financial history should always be able to leave with you.

Rebuilding the picture, manual first

Losing an aggregator feels like losing the picture, but the picture was always yours; the app just drew it. You can rebuild it in an evening, manual first. List every asset: current accounts, savings, ISAs, pensions, investments, property, vehicles, anything of real value. List every liability: mortgage, loans, card balances. Put a value and an as-of date against each, straight from statements and provider apps, and total the two sides. That is your net worth, today, with no bank connections required.

A well-built spreadsheet can hold all of this, and that guide covers the habits and the traps. WealthWelly is built for exactly this manual-first start: every asset and liability in one place with dated values, history that appends rather than overwrites, pensions handled properly, and export available at any time, because if August 2026 teaches one lesson it is that your data should never be hostage to any app's business model, ours included. Automatic connections can be layered on afterwards rather than being the foundation everything falls with.

Choosing what comes next

Whatever you choose, the continued app under its new owner included, three questions sort the field quickly. Can you get everything out, easily, whenever you want? Does it read your accounts without any power to move your money? And does it cover your whole worth, the pensions, the house, the car and the rest, not just the bank feeds? A tool with three yeses will serve you well. A tool that fails the first question is asking you to repeat this month at some point in the future, with more history at stake.

This guide is general information, not financial advice; if you are unsure what is right for your circumstances, speak to a regulated financial adviser.