All your UK money.
One clear plan.
The all-in-one UK personal finance app. Track your net worth, investments, property, pensions, ISAs, assets and dividends — then forecast your FIRE, optimise your tax, and stress-test the plan. Privacy-first. No bank linking. No ads.
Three steps. Two minutes.
Then it just runs.
Miss one month updating a spreadsheet and it all falls apart — been there. WealthR keeps everything in one place and tells you what it means.
"Finally deleted my spreadsheet after 4 years. WealthR pulls everything together — ISA, pension, property equity — in one place. The monthly debrief after saving your figures is a nice touch."
"The actual return calculator after 3 months is a game changer. Found out I was achieving 11.2% annualised — now I use that as my realistic forecast instead of guessing."
"I hadn't really invested before and had no idea where to start. WealthR helped me get my head around dividends and retirement planning properly. I'm only 28 — starting now, I know my future self will thank me."
Built for UK investors.
Not a US app with a £ sign bolted on. Every feature is designed around how people actually invest in the UK.
Everything you need. One clear picture.
Everything a serious UK investor needs — full UK tax calculator, the Pro Tax Year Optimiser (HICBC escape, Marriage Allowance scanner, Move-into-ISA candidates), an ISA allowance tracker for all six UK ISA wrappers, SIPPs, property, pensions, dividends, FIRE, financial stress test and live UK news — in one place.
WealthR: the best UK financial planning app for 2026
WealthR is a free UK personal finance and financial planning app built specifically for UK investors, savers and FIRE planners. It combines a full UK income tax calculator, a net worth tracker, a FIRE calculator, a financial stress test and a dividend income planner into a single, privacy-first app — with no bank linking, no ads and no data selling. Built in Edinburgh by a UK developer who got tired of US apps with a pound sign bolted on.
The UK income tax calculator supports the 2025/26 tax year and handles every situation UK earners actually face: PAYE income tax with band-by-band breakdown, National Insurance, Student Loan repayments (Plans 1, 2, 4, 5 and Postgraduate), pension salary sacrifice relief, Marriage Allowance, Child Benefit with the High Income Child Benefit Charge applied to the higher earner in the household, and the 60% personal allowance taper between £100,000 and £125,140. It supports both English/Welsh/Northern Irish rates and Scottish income tax rates (starter, basic, intermediate, higher, advanced, top). Results are shown in both monthly and annual views, with effective and marginal tax rates, and personalised smart observations for your situation.
The WealthR Pro Tax Year Optimiser goes a step further: it turns your own data into a personalised UK tax-year action plan. The HICBC escape calculator works out the exact pension top-up needed to drop your adjusted net income under £60,000 and reclaim every pound of Child Benefit. The Marriage Allowance scanner auto-detects when £252/year is being left on the table and shows up to four years of backdated value. Move-into-ISA candidates (also known as Bed and ISA) rank your taxable holdings by gain and flag them Safe, Defer, Split or Advice against your remaining £3,000 CGT allowance and ISA capacity — with the 30-day share-matching rule baked in. A days-until-5-April countdown sits at the top of the tab so you always know how much time is left in the tax year to act.
Beyond tax, WealthR tracks Stocks & Shares ISAs, Cash ISAs, Lifetime ISAs (LISAs), Junior ISAs (JISAs), Innovative Finance ISAs (IFISAs), legacy Help to Buy ISAs, SIPPs, workplace DC pensions, Defined Benefit pensions, buy-to-let property, crypto (with live CoinGecko prices), and physical assets like watches, art, gold and classic cars. The ISA allowance tracker covers all six UK ISA wrappers with their own limits and contribution progress, and a built-in ISA help guide explains the rules of each. The FIRE calculator works out your magic number, coast FIRE point, accumulation projection and drawdown plan. The financial stress test lets you model job loss, mortgage rate rises, childcare and one-off costs against your real numbers.
WealthR is free to use. WealthR Pro (£4.99/month or £39.99/year, saving 33%) unlocks PDF reports, secure adviser share links for your IFA or accountant, the actual-return forecast scenario, full stress test controls and unlimited history. A 7-day free trial is included. WealthR runs on web, iOS (as a Progressive Web App that installs to your home screen) and Android.
If you are looking for the best free UK financial planning app in 2026 — one that understands ISAs, SIPPs, the UK tax system and FIRE planning natively — WealthR is built for exactly that. Sign up free or try the demo — no signup.
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Frequently asked questions
Stop guessing.
Start knowing.
Find out if you're actually on track. Takes 5 minutes to set up. No bank linking, no credit card, no nonsense.