The Best Money Wellness Apps in the UK: Your Guide to a Healthier Financial Life
Our guide to the UK's best money wellness apps. We compare top apps for budgeting, saving, and investing like Snoop, Moneyhub, Plum, and Moneybox.
In today's complex financial world, achieving a sense of "money wellness" feeling in control, secure, and on track to meet your goals – has never been more important. Thankfully, a new generation of powerful and intuitive apps has emerged to help you budget better, save more, and invest smarter, all from the palm of your hand.
But with so many options available, which one is right for you? At Plouta, our mission is to empower you with the clarity to make confident financial decisions. This guide will compare some of the best and most popular money wellness apps in the UK for 2025, breaking them down by what they do best, so you can choose the perfect tool to support your journey to financial freedom.
What You Will Learn in This Guide ⤵
Types of Money Apps: Understanding the difference between budgeting, savings, and all-in-one apps.
Top Apps for Budgeting & Spending Insights: A look at apps that help you track where your money is going, including Snoop, Emma and Moneyhub.
Top Apps for Automated Saving & Investing: Exploring apps that make saving and investing effortless.
A Detailed Comparison: A chart highlighting key features and fees of the top contenders.
Choosing the Right App for You: Matching an app to your specific financial personality and goals.
Understanding the Different Types of Money Apps
Money wellness apps generally fall into a few key categories:
Budgeting & Money Management Apps: These apps connect to your bank accounts via Open Banking to give you a complete overview of your finances. They track your spending, categorise transactions, identify bills and subscriptions, and help you create a budget. Examples: Snoop, Emma, Moneyhub.
Automated Savings & Investment Apps: These apps focus on making saving and investing effortless. They often use clever AI or rules-based algorithms to automatically set aside small amounts of money for you, which can then be held in savings "pockets" or invested in ready-made portfolios. Examples: Plum, Moneybox, Chip.
All-in-One Digital Banks: Challenger banks like Monzo and Starling also offer excellent built-in budgeting, saving ("Pots" or "Spaces"), and sometimes investment features directly within their banking apps.
Top Apps for Budgeting & Spending Insights
These apps act like a personal finance manager in your pocket, giving you a crystal-clear view of your financial life.
1. Moneyhub
What it is: A powerful, holistic financial planning app that connects to a vast range of accounts – including current accounts, savings, credit cards, investments, pensions, and even property valuations via Zoopla.
Best Feature (The "Total View"): Moneyhub's key strength is its ability to provide a comprehensive, real-time view of your entire net worth. It excels at connecting to accounts that other apps often miss, particularly pensions and investments, making it a true financial dashboard.
How it Makes Money: Moneyhub is a subscription-only service, reflecting its business model of not selling customer data. It costs £1.49 per month or £14.99 per year, often with a generous free trial period (e.g., six months).
Who it's for: Individuals who want a single, detailed overview of their entire financial position, including long-term assets like pensions and property. It's excellent for serious financial planning and net worth tracking.
2. Snoop
What it is: A smart money management app that connects to your accounts to analyse your spending and proactively find ways for you to save money.
Best Feature (The "Snoops"): Snoop's unique feature is its personalised money-saving suggestions, called "Snoops." It scans your bills and spending habits to suggest cheaper deals on everything from your mobile phone and broadband to insurance. It's also excellent at flagging wasteful subscriptions.
How it Makes Money: Snoop has a free version with extensive features. A premium version, Snoop Plus (£4.99/month), offers more advanced features like unlimited custom categories and a net worth tracker.
Who it's for: Anyone who wants a clear overview of their spending and proactive, personalised tips on how to cut their bills and save money without much effort.
3. Emma
What it is: A money management app that positions itself as your "financial best friend," connecting all your accounts (including bank accounts, credit cards, investments, and even some crypto exchanges) in one place.
Best Feature (Subscription & Debt Tracking): Emma excels at identifying and tracking subscriptions, and its clear interface is great for visualising debt across multiple credit cards and loans.
How it Makes Money: Offers a free basic plan. Paid tiers (Emma Plus, Pro, Ultimate) unlock more advanced features like custom categories, rent reporting to improve your credit score, and cashback offers.
Who it's for: People with multiple accounts (especially credit cards and some investments) who want to see their entire financial life and net worth in a single, user-friendly dashboard.
Top Apps for Automated Saving & Investing
These apps are designed to make building your savings and investment pots almost effortless.
1. Plum
What it is: An AI-powered app that analyses your spending habits and automatically sets aside small, affordable amounts of money for you.
Best Feature (Clever Automation): Plum's algorithm is designed to save money for you without you really noticing. You can also set up rules like "Round Ups" (rounding up your card purchases and saving the change).
How it Makes Money: Offers a free basic plan. Paid tiers (Pro, Premium, Ultra) unlock more savings rules, better interest rates, and investment options.
Products: Offers interest-paying "Pockets," a Cash ISA, a Lifetime ISA, a SIPP (pension), and a range of investment funds.
Who it's for: People who struggle to save proactively. Plum does the hard work for you, making it a great tool for building a savings habit from scratch.
2. Moneybox
What it is: An app that helps you save and invest your spare change through its popular "Round Up" feature. It has since expanded to offer a full suite of savings and investment products.
Best Feature (The "All-in-One" ISA & Pension Hub): Moneybox has become a one-stop shop for tax-efficient saving. It offers a Cash ISA, Stocks & Shares ISA, a market-leading Lifetime ISA, and a SIPP. This makes it incredibly easy to manage all your long-term savings in one place.
How it Makes Money: Charges a monthly subscription fee (£1) plus an annual platform fee (0.45%) for investments. Savings products have no platform fees.
Products: Cash ISA, Stocks & Shares ISA, Lifetime ISA, SIPP, Junior ISA, General Investment Account, and simple savings accounts.
Who it's for: Beginners who want to start investing with small amounts, and anyone looking for a simple, mobile-first way to manage all their ISAs and their pension in one app.
| App | Primary Focus | Free Version? | Key Feature | FSCS Protection? |
|---|---|---|---|---|
| Moneyhub | Net Worth & Pension Tracking | No (Free Trial) | Connects to pensions, investments & property for a full net worth view. | N/A (Doesn't hold your money) |
| Snoop | Budgeting / Bill Switching | Yes | Personalised money-saving tips ("Snoops"). | N/A (Doesn't hold your money) |
| Emma | Budgeting / Net Worth Tracking | Yes | Connects all accounts (incl. investments & crypto). | N/A (Doesn't hold your money) |
| Plum | Automated Saving & Investing | Yes | AI-powered automatic savings. | Yes (on interest pockets & investments) |
| Moneybox | Automated Saving & Investing | Yes (for some products) | Round-ups & all-in-one ISA/Pension hub. | Yes (on cash & investments) |
| Monzo/Starling | Digital Banking | Yes | Built-in budgeting & savings pots. | Yes (on eligible bank deposits) |
Conclusion: Which App is Best for Your Financial Wellness?
The "best" money wellness app is the one that aligns with your personality and helps you achieve your goals.
If you want the most complete picture of your entire net worth, including pensions and property, choose Moneyhub.
If you want to understand your spending and get proactive tips on cutting bills, choose an app like Snoop.
If you struggle to save and want an app to do it for you automatically, choose Plum.
If you want an easy way to start investing with small amounts and manage all your ISAs and pension in one simple app, choose Moneybox.
You don't have to pick just one. Many people use a combination – for example, using Moneyhub for a clear overview of their total net worth, while also using Plum or Moneybox to automatically build their savings and investments. By leveraging these powerful tools, you can take meaningful steps towards understanding your finances, building better habits, and securing your financial freedom.
Know Where You Stand: Take the Plouta Financial Wellness Survey
Taking our Financial Wellness Survey is a great first step. It will help you reflect on your habits and identify the key areas to focus on in your journey towards financial freedom.
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Disclaimer: This guide provides general information about UK money management apps based on information available as of June 2025. It is for informational and educational purposes only and does not constitute financial advice. Features, fees, and interest rates can change. Always check the official provider websites and terms of service. When using apps that offer investments, remember that the value of your investments can go down as well as up, and you may get back less than you invested.