Moneyhub closes its consumer app on 14 August 2026. All pension pot aggregation, provider connections, and historical pension data will become unavailable. Consider using the government’s State Pension checker and individual provider portals alongside earmarkIQ.
What Moneyhub Offered
Moneyhub’s pension tracker was a standout feature. It connected to pension providers via Open Finance integrations and aggregated multiple pension pots into a single dashboard. You could see your total pension value, contributions, and growth across workplace pensions, SIPPs, and the State Pension.
For users with pensions scattered across multiple employers and providers, this was invaluable — finally seeing your total retirement picture in one place.
earmarkIQ’s Pension Approach
earmarkIQ takes a different but complementary approach to pensions. Rather than aggregating existing pension pots (which requires proprietary pension provider integrations), earmarkIQ focuses on optimising your pension contributions to maximise your retirement savings:
Salary sacrifice calculator — Our free salary sacrifice tool shows exactly how much you’d save in tax and National Insurance by increasing pension contributions through salary sacrifice. For many UK professionals, this is worth £500–£3,000+ per year in tax savings.
AI tax planning — Ask IQ analyses your income and spending to recommend optimal pension contribution levels, considering your tax band, student loan repayments, and childcare benefit thresholds.
Contribution tracking — earmarkIQ tracks pension contributions that appear in your bank statements via Open Banking, showing you what’s going into your pension each month.
earmarkIQ does not aggregate pension pot balances from multiple providers like Moneyhub did. If you specifically need to see all your pension pot values in one place, you may also want to use the government’s pension tracing service or your individual provider portals. earmarkIQ’s value is in optimising what you contribute, not viewing what you’ve accumulated.
Feature Comparison
| Feature | Moneyhub | earmarkIQ |
|---|---|---|
| Pension pot aggregation | ✓ | ✗ |
| Multiple provider connections | ✓ | ✗ |
| Total pension value view | ✓ | ✗ |
| Pension growth tracking | ✓ | ✗ |
| Salary sacrifice calculator | ✗ | ✓ |
| Tax savings optimisation | ✗ | ✓ |
| AI pension contribution advice | ✗ | ✓ |
| Contribution tracking via bank | ✓ | ✓ |
| Tax band analysis | ✗ | ✓ |
| Student loan impact modelling | ✗ | ✓ |
| Available after Aug 2026 | ✗ Shutting down | ✓ |
A basic rate taxpayer earning £35,000 who increases their pension contribution by 3% via salary sacrifice saves approximately £630/year in combined tax and NI. A higher rate taxpayer earning £60,000 could save over £1,800/year. Use our salary sacrifice calculator to see your exact savings.
Migration Guide: 3 Simple Steps
Note your pension pot values from Moneyhub
Before 14 August 2026, screenshot or export your pension pot values and provider details from Moneyhub. Save your provider names, pot values, and contribution amounts for reference.
Use the salary sacrifice calculator
Visit earmarkIQ’s salary sacrifice calculator to see how much you could save by optimising your pension contributions. Enter your salary, current contribution rate, and see the tax savings instantly.
Connect your bank and ask IQ about pensions
Sign up for earmarkIQ and connect your bank accounts. Ask IQ can then analyse your income, tax position, and spending to recommend the optimal pension contribution level for your specific situation.
About earmarkIQ
earmarkIQ is a UK personal finance app launching on iOS in May 2026. It is an FCA Appointed Representative of Finexer Ltd (FRN 925695) and ICO registered (CSN2001882). earmarkIQ provides Open Banking account aggregation across 50+ UK banks, AI-powered salary allocation, salary sacrifice optimisation, tax planning tools, and a financial product marketplace. Website: earmarkiq.app
Optimise your pension contributions
earmarkIQ helps you save thousands on tax through smart pension planning — salary sacrifice calculator, AI tax advice, and personalised contribution recommendations.
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