Track your UK net worth, pensions and tax, and find out when you can retire — and whether the money will last.
Rated Excellent on Trustpilot by UK savers, FIRE planners and retirees
Built in Edinburgh for self-directed UK investors
32 free UK calculators · No bank linking · No ads, no data selling
Every platform shows you what you have today. Two minutes a month in WealthR shows where it's heading: what you own, what you owe, and what that becomes by the time you stop working.
+£2,140 since August
TrackedRealistic £812kOptimistic £980kPessimistic £520k
| Age | Paid from | Tax |
|---|---|---|
| 60 | ISA and pension | £1,480 |
| 67 | State Pension and pension | £3,260 |
| 80 | State Pension, pension and cash | £2,940 |
Year by year: which pot pays, and the tax on it.
Example figures for illustration
Investments, pensions, property equity, physical assets and debts on one chart. Two minutes to update, and nothing connects to your bank.
Three scenarios, a market-crash stress test and life events like a wedding or a downsize, on one line to any age, in today's money.
The Drawdown planner shows, year by year, which pot pays the income you want, the tax on it, and how long the money lasts.
Total wealth people are tracking
Combined net worth tracked
Free UK calculators, no sign-up
In-depth UK money Playbooks
Aggregate, anonymised and self-reported by people using WealthR, updated automatically. No individual's figures are ever shown. Illustrative of how the app is used, not investment performance, a recommendation or financial advice.
The most complete wealth tracker I've ever come across for people that are UK based.
The free tier is extremely generous and I'm able to fully visualise my financial future in one place.
Actually designed for the UK, and not for the US with a UK bolt-on.
Not only was the application well designed and feature rich, Liam's support was exemplary.
It has really helped me understand where I stand with all the pensions, my savings and whether I am on track.
The most flexible and useful consumer finances recording and modelling package I have found for the UK.
Pensions, ISAs, property and tax as they actually work here, not an American app with a pound sign bolted on.
Investments, pensions, property equity, physical assets and debts on one chart, with your milestones, life events and a plain-English monthly debrief. Two minutes to update.
Where your plan goes, on your real figures. Three scenarios, a market-crash stress test, life events, property sales and downsizes, and the year you retire, all on one line to any age.
A readiness score built for the UK. It sizes the pot you need after final-salary pensions, State Pension and annuities, bridges the years before they start, and estimates when you could stop working.
Tell it the income you want after tax and it shows, year by year, which pot pays it, the tax you'd pay, and how long the money lasts. Tax-free cash, State Pension and frozen tax bands modelled.
The full 2026/27 year: take-home band by band, the High Income Child Benefit Charge, Marriage Allowance, student loans, salary sacrifice and the 60% trap, with Scottish rates.
Track the income your holdings pay, compare reinvesting with taking it month by month, and see the year your dividends could cover your spending.
Plan as a couple, not two spreadsheets. Mark anything as part-owned, switch between you, your partner and the household, and forecast together.
Model a single decision in seconds with no sign-up, then bring it into your plan and watch it move month to month. All calculators→
Budgets, tax reform, pension and ISA changes in plain English, with a calculator on every issue so you see what it means for your money.
See all live coverage→Six plain-English, properly referenced guides, from your first safety net to the allowances people miss. Free, no sign-up, never advice.
In-depth UK money guides on the current 2026/27 rules, with a worked example the whole way through and every figure checked against HMRC and gov.uk.
No jargon, no hype: tax, pensions, property and investing, written for UK readers. All posts→
I've spent the last decade building wealth slowly — ISAs, pensions, equity in my home, and a few physical assets like silver that should hold their value over time.
For years I tracked it in a spreadsheet. The maths worked. The problem was me — I'd forget to update it for months, and the forecasts stopped reflecting reality.
So I built WealthR. Two minutes a month. No bank linking, no ads, no selling your data. Built for the UK — because everything else is either platform-specific or an American app with a £ sign bolted on.
If you've ever tried to plan your retirement on a spreadsheet and watched it gather dust — WealthR is built for you.
Then £5.99 a month, or £39.99 a year. Cancel anytime.Then £39.99 a year, or £5.99 a month. Cancel anytime.
Yes — WealthR is free to use, forever, on the free tier. You get net worth tracking, FIRE calculations, the financial stress test, ISA and SIPP tracking, the full UK income tax calculator (2026/27 bands, Scottish rates, HICBC, Marriage Allowance), dividend planner, property tracker and 32 free UK calculators — no time limit, no credit card, no feature gating on the core experience. WealthR Pro (£5.99/month or £39.99/year) is an optional upgrade. No ads, no data selling, no bait-and-switch.
Yes. WealthR has a full Budget tab — set monthly spend categories, add recurring bills and individual line items, and see your budget benchmarked against ONS UK household-average spending, with a 'Plan as a household' toggle. Unlike a typical budgeting app it's manual-entry by design, so no bank feed reads your transactions, and your budget sits inside your whole financial picture — net worth, forecasts and tax — rather than a standalone spending feed. You can absolutely budget with WealthR; it's simply built wealth-first, not as a transaction tracker.
WealthR Free includes every core feature with no limit on accounts, investments, ISAs or SIPPs — net worth tracking, FIRE planning, the chance your money lasts from 5,000 simulated futures, three-scenario forecasts, the financial stress test, the UK income tax calculator with Scottish rates, the ISA allowance tracker for all six wrappers, dividend income planner and 32 free calculators. WealthR Pro (£5.99/month or £39.99/year, saving 44% annually) adds the Tax Year Optimiser (where your figures sit against the High Income Child Benefit Charge, Marriage Allowance and your ISA allowance), the full retirement suite (all 5,000 Will my money last? futures with the median outcome and what-ifs, the Drawdown planner, the Strategy Lab and the survivor plan), PDF reports for every section, adviser share links, the actual-return forecast scenario, full stress test scenario controls, and all seven Playbooks (in-depth UK money guides, otherwise £19.99 each). One Pro subscription covers your whole household. A 7-day free trial is included.
Yes — WealthR has full household and partner planning. Mark any investment, property or debt as part-owned and name who owns the rest, then switch between a Household view, your own share, and your partner's share across net worth, forecasts and tax. Add your partner's pensions and State Pension for a combined retirement projection that lets each of you retire at a different age, see your household take-home with Child Benefit and HICBC applied to the higher earner per HMRC rules, and an ownership breakdown shows exactly who owns what. Friend or family co-owners are kept out of your personal total. One Pro subscription covers your whole household.
No — WealthR is manual-entry by design. We don't use Open Banking, don't link to your bank, and don't read your transactions. You enter your own figures, which takes around two minutes a month to update. The benefit: no third-party reading your spending, no broken bank-feed errors every few weeks, no Open Banking permission renewals, and a stronger sense of what your money is actually doing. WealthR is built for planning your financial future, not categorising last week's coffees.
WealthR is privacy-first by design. There's no bank linking, no Open Banking, no third-party tracker scripts, and no ads. WealthR does not sell data to third parties, and no financial provider pays for placement in our content or influences what we write. Some educational pages carry clearly marked partner links (see How we make money in the footer) — using one never affects your data, our calculators, or what we show you. Your account is stored on Supabase (EU-hosted) with row-level security so only you can read your own data. Photos of your physical assets are encrypted on your own device (zero-knowledge) before upload, so not even WealthR can view them, and you can sign in with Face ID, Touch ID or a fingerprint instead of a password. There are no third-party tracking pixels and no outside analytics platforms; the site's analytics are our own.
Yes — WealthR is a Progressive Web App with a service worker that caches the full app to your device on first load. Once installed, the app opens and works without an internet connection — you can view your dashboard, run calculations and update balances offline. The connection is only used to sync your latest balances when you go back online, to fetch live crypto prices, and to load fresh blog posts. Your local data is always available, even on a plane or with no signal.
Yes — WealthR works on iPhone and Android as a Progressive Web App (PWA). Visit wealthr.co.uk on your phone, tap the share button and select ‘Add to Home Screen’ — it installs like a native app with full-screen view, icon and offline support. Dynamic Island and notch layouts are handled correctly. The dashboard is deliberately designed for serious planning sessions, so it's at its best on a desktop or laptop, but mobile is great for quick balance updates, viewing your net worth and using the 32 free UK calculators on the go.
WealthR is built specifically for UK investors and operates in GBP (£). All UK tax rules, ISA limits, pension allowances, State Pension projections, HICBC thresholds and Stamp Duty bands are modelled in pounds sterling. A holding kept in another currency, such as a US brokerage account, can be entered in that currency and WealthR converts it to pounds at a dated exchange rate; everything is counted and taxed in pounds, under UK rules. The product is deliberately UK-only — built by a UK founder in Edinburgh for the UK personal finance market, not a US app with a pound sign bolted on.
WealthR tracks stocks through manual entry of your portfolio balance (or per-holding if you prefer) so you can record positions across Stocks & Shares ISAs, SIPPs and General Investment Accounts. For crypto, live prices via CoinGecko are fetched on demand — you enter your holdings (BTC, ETH, etc.) and WealthR calculates current value in GBP automatically. Both stocks and crypto are aggregated into your overall net worth, with separate breakdowns by wrapper, dividend yield and category. There's no broker or exchange linking — your figures stay private.
Yes — cancel any time, no questions asked, no retention call, no minimum term. Cancellation takes effect at the end of your current billing period (you keep Pro access until that date). Your data stays intact when you downgrade — nothing is deleted. What switches off is Pro: the Tax Year Optimiser, Scenarios, the Drawdown planner and the rest of the retirement suite, PDF reports, adviser share links, the actual-return scenario, full stress-test controls, the included Playbooks and history beyond 12 months. Properties and asset groups beyond the free allowance are kept, but left out of your totals. Re-upgrade any time and it all comes back.
Yes, both, and both are free. Bring in a CSV from another app, your bank or broker, or your own spreadsheet — MoneyHub exports included — from Settings → Import your data. It's read in your browser, never uploaded, and an import can be undone. Going the other way, you can download your monthly history as a CSV at any time, and under UK GDPR (Article 20, the right to data portability) you can ask for a copy of everything WealthR holds about you, in machine-readable form.
WealthR is a UK personal finance app built for investors and FIRE planners. Unlike budgeting apps that focus on day-to-day spending, or retirement calculators that answer just one question, WealthR gives you a complete breakdown of your wealth — investments, property equity, pensions, physical assets, crypto — with smart forecasts, a financial stress test for job loss, rate rises and life events, and realistic projections of where you're heading. No bank linking, no ads, no Open Banking required.
Six things, mostly — all of which a spreadsheet can technically do but rarely keeps doing because nobody maintains it that well. (1) Automatic forecasts that update the moment you change a balance — no formula edits, no broken cells. (2) UK tax baked in for 2026/27 — ISA, SIPP, HICBC, Marriage Allowance, the 60% taper between £100k–£125,140, Scottish bands. (3) Cross-device sync — log a balance on your phone, see it on desktop instantly. (4) Sequence-of-returns stress testing — what happens to retirement if markets drop 20% in year 1 while you keep drawing income. (5) Read-only adviser share links, so you never have to send an IFA your raw spreadsheet. (6) Annualised real return calculated automatically from your own data. You could build any of these in Excel. You won't maintain them for long.
WealthR's stress test lets you model how your plan holds up when life doesn't go to plan — job loss (adjustable 0–100% income reduction), mortgage rate rises, childcare costs, a wedding or one-off big cost. It shows your runway in months, your net worth impact over 5 years, and your monthly cash position under each scenario. Pro users get full scenario controls, a recurring cost builder and a one-off cost planner, with what each change does to the figures shown in pounds.
Yes — WealthR is built specifically for UK investors. It understands ISAs, SIPPs, LISAs, dividend allowances, NI qualifying years, State Pension projections, buy-to-let equity, and UK income tax bands. It is not a US app with a pound sign bolted on.
Yes. WealthR includes a free UK retirement income tracker — DB pensions, State Pension (with start date), SIPP drawdown (25% TFC + 75% taxable), annuity income, offshore bond 5% withdrawal, ISA withdrawals, GIA dividends, GIA interest, rental income — each with the correct UK tax treatment baked in. No National Insurance on retirement income. The dividend allowance, Personal Savings Allowance and the £100k personal allowance taper are handled per stream. The Forecast tab also gains a portfolio runway calc — how many years your pot lasts at the current burn rate.
Sign up for free, add your investment and asset totals — ISA balance, pension pot, property equity, crypto — and WealthR will immediately start visualising your financial future. A guided 3-step onboarding walks you through setup. No bank linking, no sensitive data entry, nothing connected to your actual accounts.
Keep your wealth recorded, your tax understood, and your future in view.
Free to start · Takes five minutes · No bank linking · Your data stays yours
Enter the email you signed up with and we'll send a secure link to set a new one. It's valid for 1 hour.
If your email is registered with WealthR, a reset link is on its way — valid for 1 hour.
Almost there — choose a new password to finish resetting your account.
Only the month and year, and only to work out your age for forecasts.
We'll switch on the Household / You / Partner view so you can plan together — your own net worth still counts only your share.
Shows "retired since" on your plan. Leave it blank if you'd rather not say.
Roughly what you put away each month.
Not sure? 7% is the long-run average for a diversified global index fund.
· required
Tick the box above to finish setup.
Currency, colour and theme all live in Settings — tweak them anytime.
| Month | Investments | Debt | Net worth | D/I% | Change | Diary |
|---|
| When | Action | Month | Account / Entry | Detail |
|---|
| Account | Type | Value | Return | % of portfolio | Fee/yr | Notes |
|---|
| Name & type | Balance | Notes |
|---|
| Year | Age | Milestones | Investments | Debt | Net worth | Change ⓘ | D/I% ⓘ |
|---|
One-off means it's already counted in the pot value — it won't be added again going forward.
Auto-enrolment band (£6,240–£50,270). Most workplace schemes apply the % to this slice — pick it if your figure looks too high.
Ongoing charge. Workplace ~0.22–0.5%, SIPPs ~0.07–0.45%.
Leave this empty and it lands in the year the pension starts. Set a month and year if your scheme pays it earlier or later, or if you have already had it.
Swapping pension for cash is permanent — the annual income is lower for life. If you plan to, enter the lump sum here and make sure the income above is the reduced figure your scheme quotes; WealthR can't know your scheme's commutation factor, so it won't adjust it for you. Some schemes pay a lump sum on top without reducing the pension (NHS 1995, Civil Service classic, the Royal Mail collective plan): enter that figure here and leave the income as quoted.
Used to calculate how many months of cover you have
Added to yours so the target and months of cover reflect both of you
| Account | Value | Counted |
|---|
Look up fills the yield from the last 12 months of payments.
DRIP compounds; income pays out.
Places the income on the month strip.
For the yield on cost.
Rate you'd roll onto when the deal expires (SVR).
When it's fully paid off — clears it from the forecast.
Auto-calculates your age each month.
Tailors the app to your stage — change it whenever your plans do.
When your pensions kick in.
The pot size you're aiming for. A common rule: 25× your target annual income.
If you plan to stop earning before your pensions start, tell WealthR when — it'll model the bridge years drawing from your ISAs, GIA and cash.
Average you invest each month. Assumed to continue until you stop working, then switches to drawing your pot down.
Expected annual investment return before retirement. Typical planning range: 4–8%.
Lower rate once retired (de-risking). Applied from your stop-working age.
Used to show future amounts in today's money. Bank of England targets 2%.
Set the ownership % per asset when you add it — this is just your usual split, used by the household summary.
Added to your own monthly contribution in the household forecast.
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No jargon, no advice. Methodology posts, founder essays, and the occasional new-tool launch — all written from the UK investor's seat.
WealthR is built on one rule: you enter each number once, on the tab where it belongs, and everything else reads from it. No re-typing your pension into five calculators. Change a figure in one place and every forecast, plan, tax view and report moves with it, in the same instant.
Where your numbers live. There are only a handful of places you ever type anything:
What reads from them. Nothing downstream keeps a private copy of anything. Behind the tabs there are a small number of engines, and each one is used everywhere its answer appears:
What that feels like in practice. Three examples of one edit moving several screens:
And where it deliberately does not connect, because pretending otherwise would be worse:
If a number looks wrong on a Planning or Tax view, don’t try to fix it there — change it where it was entered, usually Pension or your monthly snapshot, and it flows through instantly. And if two screens ever disagree about the same thing, that is a bug worth telling us about, not something you should have to reconcile yourself. Everything here is an illustration built on your figures, never advice.
Your net worth is total investments minus total debt. It's the most important number to track — even if it's negative right now, watching it move month by month is the point.
The chart:
Hover for detail: mousing over any line shows that scenario's value at that point — the other lines fade so it's easy to read. Tooltip sits below the line so it doesn't collide with milestone pills.
The five metrics at the top:
Snapshot card — appears below the metrics with a personalised read of the current month: net worth movement, milestones hit, all-time growth context, FIRE pace and a tracking streak. Pro users get extra lines on personal records, pace projections and savings rate. Tap ▾ Hide to collapse.
Forecast assumptions — pill picker + single adaptive slider directly below the chart. Pick Pessimistic / Realistic / Optimistic or Actual (Pro), drag the slider, watch the chart re-flow live.
Below that, the Compounding Effect shows the split between what you have put in vs what compound growth adds on top — including the age where compounding starts outpacing your own contributions.
The monthly debrief card appears after every save — it shows what drove your net worth change, dividend progress, FIRE percentage and any milestones hit that month.
If you share money with a partner, a Household / You / [Partner]'s share switcher appears above these metrics — see the Household & ownership splits section below.
Household mode lets you track money you share with a partner, spouse, friend or family — and see your wealth both as a household and as your own share. There's no single switch to flick: household mode "turns on" the moment you either mark something as part-owned or set up a partner profile (both covered below), and everything stays private to you.
Mark anything as part-owned. When you add or edit an investment, asset, property or debt, set "Your ownership %" — leave it at 100 if it's all yours, or enter 50 for something joint. A "shared with" box then appears so you can name who holds the rest, with a "my partner" tick.
The net-worth lens. Once you have a partner split, a Household / You / [Partner]'s share switcher appears on the net-worth card (and on the mobile Today panel). It re-scales net worth, investments, debt and month change. It only shows when you actually have a partner split, so on your own you never see it.
Set up a partner profile. Your Profile tab splits into a You sub-tab and a Partner sub-tab. On the Partner tab, switch on "Do you manage money jointly with a partner?", name them, and set their year of birth, planned retirement age, salary, pension contribution % and State Pension NI years — all in one place, feeding every partner-aware feature. Tick "Plan as a couple" to make Household your default view. The four stat cards at the top of the Profile tab switch to that person's figures (age, retirement age, years to retirement, State Pension age) when you're on the Partner sub-tab.
Joint retirement forecast. On the Forecast chart a Household / You & [Partner] switch shows your pot and your partner's side by side — each saving on their own clock, retiring at their own age (a marker flags the year each of you stops), then drawing down — while always summing to your combined household trajectory. Personal lines show invested pots (pensions + investments); jointly-owned property and debt stay on the combined line. Retirement spending is split 50/50 between you for now.
Household cash flow & budget. The Cash flow tab has a You / Partner / Household toggle that folds in your partner's State Pension and pensions on their own dates. The Budget tab has a "Plan as a household" toggle that adds your partner's take-home so savings rate, surplus and affordability reflect both incomes. "Will my money last?" (Monte Carlo) and the pot-runway both count the whole household pot and your partner's State Pension once it's set up.
In the Investments breakdown you also get a Value lens (Full / You / Household / Partner's) and a Show filter (All / Shared / Just mine) to slice the charts and table by ownership.
On the Property tab, the same Full / You / Household / Partner lens appears whenever a property is part-owned — it re-scales each holding's value, equity, mortgage, rent and running costs to whoever's share you're viewing, so a home owned 50/50 shows your half under "You" and the whole thing under "Household".
Emergency Fund. On the Emergency Fund tab, tick "Include a partner — cover our whole household" and add their monthly expenses, so your target and months-of-cover reflect both of you.
Tax — plan as a couple. On the Tax tab, enter your partner's salary plus their own pension %, student loan and region. The Calculate view then shows a You / Partner / Combined take-home breakdown and your true household take-home (including Child Benefit after any HICBC clawback). With Pro, the Plan view adds a household pension-efficiency card — it compares both of your marginal rates and shows which of you the next £1 into a pension saves more tax and NI through, flagging the 60% personal-allowance taper and the higher-rate band, alongside the HICBC-escape and Marriage Allowance checks.
None of this is shared with anyone — it's your private view of how your wealth splits. Ownership defaults to 100%, so if you don't use it, nothing changes.
Tap "+ Add month" (or the ＋ button on mobile) to log your figures. Here's what each field means:
Set auto-invest amounts on your regular holdings — even if you forget to log a month, your chart stays smooth and your tracking streak stays alive.
Monthly snapshot is the full-page version of your monthly update. It opens on one month, shows everything you hold and owe in that month, and lets you change any of it in place. Nothing is written until you press Save.
Getting around
The three tiles, and what they open
Comparing is a Pro feature. What changed this month is not — that is your own figures, and it stays free.
Everything else on the page
Property, assets and pensions are shown here but edited in their own tabs, so saving a month leaves them alone. A debt’s balance is updated here; its rate and repayment plan live on the Debt tab.
The Dashboard is where you land — an at-a-glance read of everything, pulled from the data you log. Out of the box it shows:
Your Financial Diary. Each month, jot a line about what actually happened — a bonus, a market dip, a house move, a big spend. Those notes build into a searchable, month-by-month story of your finances you can look back on years later. Edit any month's note at any time (the figures for that month stay exactly as you entered them — only the note changes), and search by year, month, a keyword, or a theme like income, investing or spending.
Layouts by life stage. Tap Customise to drag, resize and save your own board, or Layouts to start from one — all free. Minimalist is three numbers, your chart and your searchable diary. The others are Building (working and saving), Approaching (ten years out) and Retired (drawing down), each arranging the widgets that matter at that stage. Apply one, then drag, resize, add or remove panels and save; a phone follows your saved laptop layout in reading order unless you arrange it separately.
Widgets (Pro). + Add widget opens the catalogue. Alongside the metric tiles, the chart, the diary, the Journey widgets and the monthly insights, ten widgets bring the other tabs to the Dashboard: Retirement readiness (your score as a ring), Will it last? (the chance your money lasts to your plan age) and its simulated paths, the Drawdown plan (lasts until, lifetime tax, what is left, your pot order) and the plan year by year, your Pension projection, Investments by type, Allowances (ISA and pension used this tax year, days to 5 April), Remaining after bills and What's coming, the next five dated events in your plan. Every one reads the same figures as its tab, so nothing on the Dashboard can disagree with the tab it came from. On the free tier they show locked.
Everything on the Dashboard comes from the months you log and the profile you set — keep logging and it keeps getting richer.
The Net Worth tab is your record and your plan on one line. It was rebuilt in September 2026 in the same register as the Forecast tab.
The strip sets how much history you see (3M to All) and how far the forecast runs (5Y to Max). Max stops at 50 years or age 99, whichever comes first.
The chart. Tracked is what you have logged, month by month; the pale band marks those months. The forecast starts from your last record. Realistic continues the tracked line in the same teal because the plan continues the record; Optimistic is a violet dash and Pessimistic a red dash. Where retirement falls inside the horizon the realistic line turns amber on an amber band and grows at your retirement rate with drawdown taken off. If you are already retired the whole forecast sits on that band.
Markers. Milestones are dotted rules with a dot and year where the realistic line first crosses each one; only the next few ahead of you are drawn and the rest sit in the row below. Retirement and the age from the compounding slider are captioned rules. Shapes on the realistic line are events from Life events. A dot with "Property added" marks the month a property first counted, so that step is an asset being counted rather than a gain. Press the ? beside the key for the version that matches your chart.
The tiles. Today, the change against your previous record, the change over twelve months (or since your first record), and the realistic figure at the horizon. Above the chart, All-time growth strips out assets you added mid-tracking, Best month is the largest monthly rise, Monthly average is the run rate over the tracked period with the last three months beside it.
What feeds it. Milestones come from the Journey tab. The three growth rates come from the Forecast assumptions card under the chart, the same rates the Forecast tab uses, so a change in either place moves both. Life events come from the card of that name; a one-off in or out also counts in the Cash flow plan. The compounding slider sets the age marker and, with In today's money, whether forecast figures are shown with inflation taken off.
The Forecast tab projects your net worth year by year from your current investments, compounding forward with your monthly contributions, then applying your retirement cashflow once you retire. It was redesigned in September 2026 and now reads top to bottom as one question per card.
The strip at the top sets what you are looking at: the scenario (Pessimistic · Realistic · Optimistic · Actual), the growth rate and contribution behind the line, In today's money (which strips inflation out of the chart, tiles and table together), and the ages shown, with Working years / Retirement / Show all presets.
Your net worth chart. The teal line is the plan. Pale bands mark the phases: blue for coasting (you have stopped contributing but are not yet drawing down), amber for retired (drawing on the pot). Dotted rules mark the year something changes: retirement, State Pension, a partner retiring, a planned property sale. The ? beside the key explains each item. Under the chart, four tiles give the headline: Peak, At retirement (or Retired, if you already are), Final, and the Stress test result. The chips beneath state what shaped the line — retirement age, drawdown, a partner's contribution — each linking to where it is set.
Assumptions. One card, collapsed to a summary line ("5% growth · £300/mo until age 60 · property equity in"). Open it to edit the growth rate and contribution for each scenario, link or unlink contributions to your Profile, set a stop-contributing age for Coast FIRE, and choose whether property equity and physical assets count in the starting point. Your tracked return, once it exists, is offered here too.
Stress test. One card, two tabs. Market crash models a fall you choose (size, when it hits, how fast and how long it recovers); the result is one sentence with the numbers, and the crash shows as a dashed line on the chart. Life events models a job loss, an expense spike and, with Pro, rate rises, recurring and one-off costs; it shows runway, the 5-year impact and a stressed net worth column in the table. Whichever tab is open owns the dashed line and the Stress test tile.
Year by year. The table has its own Milestones column: net-worth goals as you pass them, retirement, State Pension, a partner retiring, planned property sales. Below it, the dates your current scenario forecasts for the milestones you have not reached yet.
Children. If you hold a Junior ISA, Junior SIPP or child savings, a Your plan / Children switch appears. Each child gets a card: today's pot, the projection at 18 (60 for a Junior SIPP), the monthly amount against the allowance, and the growth rate assumed. Pro adds the trajectory chart with the ages that matter marked, and what-if controls for an extra monthly amount, a stop age and filling the allowance.
Household view (couples). With a partner set up, a Household / You & [Partner] switch above the chart shows each person's pots side by side, with a marker for the year each of you retires — see the Household & ownership splits section.
Planned property disposals — a planned sale or gift set on the Property tab is applied in that year: sold equity moves into your investments and keeps compounding; gifted equity (Pro) leaves your net worth. The year is marked on the chart and in the Milestones column.
Your Profile growth rate seeds the Realistic scenario. Changing it in Profile updates the forecast live. The forecast is an illustration on steady assumptions, not a guarantee and not advice.
WealthR calculates your actual investment return two ways, and uses whichever is available and most reliable.
Cost basis return (available from day one): if you enter "Bought for" and "Year purchased" on your holdings, WealthR calculates your real CAGR (compound annual growth rate) per holding and a blended portfolio-level figure weighted by what you invested. You see this as a gain/loss insight directly on each holding when editing — free for everyone, no wait required. The Actual Return forecast scenario itself is a Pro feature; on Pro it picks up the cost basis number immediately, so Pro users don't have to wait three months of tracked snapshots to see the scenario.
Tracked return (unlocks after 3 months): once you have 3 months of real logged entries, WealthR uses your actual monthly data points to calculate a time-weighted annualised return. This is the more rigorous method — it tracks real cash flow timing rather than estimated holding periods.
When both are available, WealthR uses the tracked return as it's more accurate. The Forecast dropdown labels which method is active, and both show a badge — cost basis or tracked data — so you always know what the number is based on.
For the full picture, see the Performance tab. This explains the return number that feeds your forecast; the dedicated Performance tab is where you explore your investing results properly — time-weighted and money-weighted returns, your portfolio against a global index and cash, an inflation-adjusted view, and every holding broken out. It has its own guide above.
The fastest way to unlock the Actual scenario is to enter purchase prices and years on your holdings when you first set up. One minute of data entry, immediate insight.
Investments is a hub. The switcher at the top moves between the Overview (this page) and a page for each kind of holding that needs more than a row: Dividends for everyone, Savings once you hold cash or an emergency fund, and others that appear only when you hold that type. Savings is where you record what interest an account has paid you and see how much of your Personal Savings Allowance it has used — it has its own section below. Dividends used to be its own tab in the menu; old links to it still work.
The Investments tab breaks down your portfolio for any recorded month — a donut by type, a bar chart you can switch between each holding and by type, four tiles, and a table with values, percentages and notes. One Whose picker (Household, you, your partner) sets the basis for everything on the tab.
The bar chart runs across, largest first, so holdings with long names stay readable. If you hold more than twelve it scrolls down to the rest.
When one holding dwarfs the others — a house against a handful of funds, say — a Zoom to the rest option appears. It caps the scale just above your second-largest holding so the others can actually be compared, and the big one runs off the end still showing its real figure. Nothing is hidden or rescaled; only the window onto it changes. Full scale puts it back.
The type key beside the donut doubles as the filter — tap a type to focus on it, tap again to bring it back.
The + Add investment button at the top right opens the monthly entry modal directly, letting you add or update holdings without navigating away.
Sorting the table: click any column heading — Account, Type, Value, Return, % of portfolio or Fee/yr. Click it again to reverse, a third time to go back to the order you added things in. Holdings with nothing in that column (no fee set, say) always sit at the bottom rather than counting as zero.
Sorting by Return is the one worth knowing about, because that column carries two different measures. Where you have entered a purchase price it shows your total gain since you bought; where you have not, it shows the change since last month and says so underneath. Ranking a decade of growth against four weeks would be meaningless, so the two are sorted as separate groups — everything measured since purchase first, then everything measured month on month.
Each row in the table has an edit button — tap it to update the value, type, auto-invest amount, purchase price or notes for that holding without re-entering everything.
Junior ISA tracker: if you have children, scroll down to the Junior ISA section. Each child gets their own £9,000/year allowance — separate from your adult £20,000 ISA. Tap + Add a child, then enter their name, date of birth (unlocks the age-18 projection), current pot value and monthly contribution. Toggle Include in net worth if you want their pots counted in your household totals. Free tier covers one child; Pro covers unlimited.
Want to see how it's all performing? The new Performance tab (right after Investments in the nav) turns these same monthly figures into your real return over time — versus a global index, cash savings and inflation, holding by holding. It has its own guide below.
Tag investments accurately by type (Stocks ISA, SIPP, Shares / GIA, Cash etc.) — it powers the UK-specific breakdown and makes the donut chart genuinely useful. Shares held outside a wrapper are the Shares / GIA type: the Cash flow planner treats those as taxable for capital gains when you draw them down, which an ISA is not.
The Performance tab (under Money, right after Investments) answers the question planning can't: how have my investments actually done? It reads from the monthly figures you already log — no new data entry — and turns them into a proper performance picture for your investable holdings (ISAs, shares, funds, crypto, dividends), leaving property, pensions and cash out of the return maths where a market return wouldn't be meaningful.
The one thing WealthR cannot work out on its own. A balance that goes from £10,000 to £10,500 looks exactly the same whether the market rose 5% or you paid in £500. Nothing in a month’s figures can tell those apart — and that is what money in and out is for. Record what you paid into a holding (or took out) when you log the month, and Performance can separate what you contributed from what actually grew. Where you have not, it falls back to the plain change in value and says so: on the chart, a holding measured from movements you logged is drawn solid, and one that is not is dashed. Your insights after each month do the same — they name how much of a rise was money you paid in, rather than letting it read as growth.
The four headline numbers:
Your portfolio over time plots your value as a line, with two comparisons laid over it using the same money and timing: a cheap global index and a typical savings account. Below that, "In today's money" strips out inflation to show your real return, and "Growth vs what you added" splits your change into money you paid in versus genuine growth.
By holding breaks every investment out with its own trend line and return. Tap the eye icon to include or exclude any holding on the fly — it greys out in place so you can see the effect immediately, and add it back with a tap.
Sold or reallocated? If you've sold a holding or moved money between positions, WealthR recognises it — the row reads "Sold / reallocated" or "Reduced", never a scary red loss. A reallocation isn't an investment loss, and the tab treats it that way.
Honest by design. Until you've tracked a full year, returns show "since you started" rather than being stretched into a misleading "per year" figure — the annualised view switches on automatically once there's a year of history behind it. Log your actual "in/out this month" amounts in the monthly modal to turn the estimates into exact figures.
Free: your portfolio value, your own return and the holdings list. WealthR Pro: the index & cash-savings comparison, the inflation view, growth-vs-added, your money-weighted return and every holding's return.
It's illustration, not advice — but it's the tab most people open first each month to see how they're tracking.
The Debt tab shows every debt you have logged, with a month picker to see your position at any point in time.
Use the + Add debt button at the top right to add a debt directly — no need to open the full monthly entry modal. Enter the name and balance, and add the interest rate (APR), a 0% end date and a monthly repayment where you know them.
Live payoff estimate. Give a debt its APR and a monthly repayment and WealthR shows, right there in the form, when it'll be clear — the payoff date and how many months away it is — and updates as you change the numbers. It's the quickest way to see what an extra £50 a month actually buys you.
The D/I ratio is the key number — for every £100 you have invested, how much do you owe? Under 14% is healthy. Over 18% means debt is a significant drag on your wealth building.
Mortgage debt toggle: if you have a property with a mortgage, a toggle appears at the top. By default mortgages are excluded from the debt total — because property equity already offsets it in your net worth. You can override this at any time.
Student loans. Set a debt's type to Student Loan and its monthly repayment fills in from your Tax details — because a UK student loan is repaid as a share of what you earn above a threshold, not from the balance. Type a bigger number over it to model overpaying; WealthR keeps yours and tells you how much of it is extra. Put the write-off date in Written off and it will say whether the balance clears before then. There is a full "Student loans" guide in the Reference library on why Tax and Debt both ask.
New to the concepts? The Reference library (in Learn) now has a "Debt & credit" guide — good vs bad debt, how interest compounds, and whether to clear the highest-rate or smallest-balance debt first.
Watching debts disappear month by month is one of the most satisfying things in the app — the payoff estimate turns "someday" into an actual date.
The Retirement tab answers one question: at your current rate of saving, when can you stop working? Adjust the sliders to see how different choices change the timeline.
The Living off your pot chart shows what happens in retirement — your pot declining as you draw it down. If the line hits zero, adjust the sliders. A well-structured plan keeps the line above zero well past your expected lifespan.
Why the sliders stop helping past a point. The readiness score deliberately refuses to reward optimism. However you set the levers, it scores your plan at no more than a 4% withdrawal rate and no more than 6% a year above inflation. The levers still do their job in the projection itself — the charts and the pot figures all move — they simply cannot buy a better score.
The two numbers are not arbitrary. 4% is the Bengen / Trinity anchor the help text already cites; a plan that only works at 6% withdrawal is not more ready, just more optimistic. And 6% real is the most optimistic projection a regulated firm may show you: the FCA caps illustrations at 8% growth against 2% inflation (COBS 13 Annex 2). Growth and inflation are two sliders but one assumption — what matters is the gap — so capping the gap closes both at once. You cannot buy score by raising growth, nor by pretending inflation away.
Plan-to age is the exception, on purpose. It is not capped, because it is not a fact about markets — it is a fact about you, and you know things WealthR does not. Instead it is anchored: ONS national life tables for 2022–2024 put life expectancy at 65 at about 84 for men and 86 for women, while a quarter of 65-year-olds reach 92 and 95 respectively. Planning only to average is roughly a coin flip on outliving your money. Capping it would overwrite real personal knowledge with a population average — actively worse for someone with a diagnosis — and over-caution is not free either: planning to 100 when you will not see 80 buys years of needless frugality.
Spending that changes with age. Retirement spending starts as one figure, which suits most people. If yours will not be flat — school fees for a few years, a livelier first decade, a taper after 80, a care allowance at the end — add phases beneath the spending box: from age X to age Y, spend £Z in today's money. Up to six. Any year you do not cover falls back to the single figure, so adding no phases leaves your plan exactly as it was.
Phases feed everything rather than one screen — Will it last?, the Drawdown planner, the net worth trajectory, the portfolio runway and the survivor plan — so the success score answers the question you actually asked rather than assuming a flat number for forty years.
Retirement income streams — set up on the Pension tab. Tell WealthR exactly where your retirement income comes from — State Pension, DB / final-salary pension, annuity, SIPP / ISA / GIA drawdown, rental and more. You add and edit these on the Pension tab, and they drive both the "Living off your pot" view here and the Cash flow tab. Each stream has a "Starts at age" (required — the chart needs to know when it begins) and an optional "ends at age". In household mode a "Whose income?" selector tags each stream as yours or your partner's.
The Drawdown planner (Pro) — now the whole Cash flow tab. Your year-by-year retirement plan lives on the Cash flow tab (under Planning, right after Retirement): which pot pays each year, the tax you would pay and how long the money lasts. It has its own section below. The income streams you set up here feed it directly.
Link a drawdown to your real holdings. On a SIPP / ISA / GIA drawdown stream (on the Pension tab), tap "Link a holding" and pick the investments it draws from. WealthR projects those holdings forward to your drawdown age — at your growth rate, in today's money — and suggests a safe annual withdrawal (your chosen rate, default 4%, shown as "4% of £X"). Set the monthly amount you pay into them (or one-tap your full saving), then "Use this amount" to fill the stream. It's a starting estimate — use "Will my money last?" to stress-test it.
The 4% rule has held over 30-year retirements historically. Planning to retire before 55? Drop it to 3–3.5% to account for a longer drawdown period.
The Cash flow tab is the Drawdown planner (Pro). It answers one question: in retirement, which pot pays each year, what tax would I pay, and how long does the money last? Tell it the income you want, after tax or before, and from what age, and it illustrates the answer year by year on your own pensions, ISAs, cash and taxable investments. Free accounts see the planner's shape under a lock.
It will not spend a pension before you can. If you stop working before your pension access age, the planner funds those years from what is actually available — ISAs, cash and taxable investments — and leaves pensions alone until you can legally draw them. Your access age is worked out from your date of birth, so anyone turning 55 after 5 April 2028 is held to 57 rather than 55. Money outside a pension still starts the day you stop working, because that genuinely is available.
Plan variants let you save a set-up under a name and compare it against others — how long the money lasts, lifetime tax, what is left at the end and your first-year income. One thing to know: a variant remembers the planner's own settings, including any amount or start age you change on a pension's line in the planner. It does not remember the pensions themselves. Editing a pension on the Pension or Retirement tab changes the figures every variant reads, so they will all move together — which is usually why two variants come back with identical numbers.
What it draws from. Your DC pensions and SIPPs (25% tax-free cash as recorded or on each withdrawal), your ISAs and cash savings (withdrawals tax-free; interest on plain cash taxed above the Personal Savings Allowance), and, since September 2026, your taxable investments: Shares, funds and ETFs, a General Investment Account and crypto. A withdrawal from those realises its share of the gain over what you paid; the £3,000 annual exempt amount is used first each year, then 18% inside the basic-rate limit and 24% above it, stacked on that year's taxable income. Interest on cash outside an ISA is taxed too, and this is the part people are most often surprised by: it is covered first by any unused personal allowance, then the starting rate for savings (up to £5,000 at 0%, shrinking by £1 for every £1 of other income above your personal allowance), then your Personal Savings Allowance. What is left is taxed at your marginal rate, and the tax comes out of the pot rather than being added to your income, so it never changes what you draw. Interest inside a Cash ISA, and Premium Bond prizes, are not taxed at all. Where WealthR does not know what you paid it counts gains from today and says so; type the cost in the what you paid box next to the pot. It also draws from one-off money you have entered — see below. A holding filed as Dividends is placed by the wrapper you gave it. In a Stocks & Shares ISA there is no dividend tax and no capital gains tax, so it is simply drawn with your other ISAs. In a general investment account it is drawn with your other taxable investments, and the dividends it pays are taxed: the first £500 each year is free, and above that they are charged at the dividend rates — 10.75%, 35.75% or 39.35% depending on the band your other income has already reached. Any unused personal allowance covers them first. As with interest, the tax comes out of the pot rather than being added to your income, so it never changes what you draw. A dividend holding whose wrapper is Other, or not set at all, is left out rather than assumed — “Other” could be a bond or a trust, which do not pay out like a general account. Set the wrapper on the holding and it counts. The "What this plan draws from" note at the top lists what is counted and what is left out, by value, and why.
Guaranteed income first. DB pensions, the State Pension, annuities and any PAYE are counted before your pots, each on its own start age. On every line you can set the start age, a growth rate and, new, an amount for this plan only, so a reduced pension from early retirement is one box. A collective DC scheme is tagged "target, not guaranteed".
Which pots, in what order. Pots are drawn top first, one until it is empty, then the next. Your pensions and your taxable investments — Shares, funds and ETFs, a General Investment Account, crypto — come first, in the order you put them in. ISAs and cash come after those, and that catches people out: if you hold Shares outside an ISA, the money comes out of those before it touches your ISA. That is why the wrapper matters — a withdrawal from a taxable account realises its share of the gain and can carry capital gains tax, while an ISA withdrawal never does. After ISAs and cash comes any one-off money (a pension’s tax-free cash, or an inheritance or other one-off you have entered), which is held until you need it, and last of all any reinvested surplus. The arrows reorder your pensions and taxable investments; ISAs, cash and one-off money always sit behind them and have no arrows. You can also cap a pot's yearly draw, or set its growth. The results show how long the money lasts, the illustrated lifetime tax (with the capital gains share named), what is left at the end, and a year-by-year table with every year's draws.
One-off money in and out. A one-off you record under Life events on the Net worth tab — an inheritance, a house sale, a new car, helping a child with a deposit — counts here as well as in your Forecast, so the two show the same money. Money coming in arrives in the year you set, is held alongside your ISAs until you need it, and is drawn after them. Money going out is added to that year’s spending and drawn like any other need, so it carries whatever tax that withdrawal attracts — taking £45,000 in hand out of a pension costs more than £45,000. One exception: the tax-threshold illustration draws up to a tax band rather than to a spending target, so it does not fund a one-off cost at all, and says so on the year it falls in. A one-off you have switched off, or recorded as already arrived, is not counted — once the money is in your figures, counting it again would count it twice.
Plan variants. Save the planner's current set-up under a name, up to five, change something and save that too. The table compares them against your live settings on lasts-until, lifetime tax, what is left and year-one income; Apply puts one back on the planner. Every variant runs through the same engine, so the figures match exactly.
Today's money and fiscal drag. Figures show in today's money by default (switch to future pounds in Advanced). Tax thresholds are held at today's values until the freeze year, then rise with inflation; you can hold them frozen throughout. Income above your target is reinvested into a sleeve that compounds and is drawn last, so the planner lines up with your net-worth chart.
Same engine as the Strategy Lab. The Drawdown Strategy Lab on the Pension tab compares spend-down orders for one person using this planner's engine and settings, so the planner's order shows the same lifetime tax on both tabs.
This is your retirement income vs spend. For your current month-to-month income vs bills, that's the Budget tab.
The Pension tab brings all your pension pots together — alongside your UK State Pension projection and a tax relief breakdown. It's separate from general investments because pensions have their own rules, types and tax treatment.
Pension types:
State Pension: enter your qualifying NI years and expected future years. WealthR projects your weekly and annual State Pension — you need 10 years minimum for any payout, 35 years for the full amount. Check your NI record at gov.uk — WealthR uses the current tax year rate automatically.
Tax relief: for DC pensions, WealthR shows what contributions cost you after relief. Basic rate: 20% back. Higher rate: 40% back (claim the extra 20% via Self Assessment).
Three panels. Pensions is the projection chart, your pots, the State Pension and tax relief. Retirement income is where you set up the income streams that power the Cash flow planner: State Pension, DB pensions, annuities and SIPP / ISA / GIA drawdown, each with its own start age and the correct UK tax treatment, edited in a form that opens over the page. A drawdown stream can be linked to the real holdings it draws from. The same panel holds the tax-free cash and Lump Sum Allowance tracker, the order-of-withdrawal guide, the survivor panel and the Drawdown Strategy Lab. Will it last? is the simulator.
Will it last? runs thousands of possible futures for your invested pot against your target spend, with your guaranteed income meeting the spend first and UK tax on pension withdrawals. The headline chance is free. Pro shows the simulated paths, the median outcome, the guardrails read and three what-ifs: retire two years later, spend £200 a month less, save £200 a month more.
What Will it last? actually assumes. It runs 5,000 possible futures in real (inflation-adjusted) terms, so every figure is in today's money. Each year it draws a random return for your pot, pays your guaranteed income towards the spend first, takes the rest from your investments, and applies UK tax to pension withdrawals. The chance you see is the share of those 5,000 runs where the money outlasted the plan.
The returns come from the mix of shares and bonds you pick in the assumptions box on the panel:
Why the default is all shares. Not because it is the right mix for anyone in particular — it is what WealthR was already assuming. 5% real is the equity number. What was wrong before was the swing: the old version understated how much shares move year to year, which made plans look steadier than they are. Defaulting to a balanced mix would have changed the return as well, which is a separate judgement and yours to make with the picker. So the default corrects the error and nothing else. If your score reads lower than it used to, that is why — the plan has not changed, the honesty of the test has.
Charges are not deducted. Treat the return above as already net of your platform and fund fees — if you pay 0.4% a year in charges, a 5% assumption is really 4.6% to you. And the same plan always returns the same answer: the simulation is seeded from your own figures, so a score only moves when something you entered moves.
Drawdown Strategy Lab (Pro). Compares the order you spend your pots in on lifetime tax, how long the money lasts and what is left. For one person it runs the Cash flow planner's own engine and settings, so the planner's order shows the same lifetime tax on both tabs; for a couple it compares whose pension is drawn first on a two-person engine and says so.
The projected retirement income figure combines your DC pot drawdown and State Pension — your total estimated annual income in retirement.
Dividends, a page inside Investments, models two phases of dividend investing — reinvesting (DRIP) while you build, then switching to income when you're ready. A collapsible guide at the top of the tab covers what dividends are, UK tax treatment, DRIP compounding and the main types of dividend holding.
To activate the tracker: add a holding with type Dividends in the monthly entry modal, or use the + Add holding button directly on the tab. Enter the annual yield % (e.g. 4.5%), account wrapper (ISA, SIPP, GIA), frequency and strategy.
UK dividend allowance: £500/year tax-free (2026/27). ISA and SIPP wrappers are fully sheltered. GIA holdings above the allowance are taxed at 10.75% (basic rate) or 35.75% (higher rate). The allowance has been cut three times in four years — plan accordingly.
All figures are pre-tax estimates. Dividend income and capital growth are not guaranteed.
Savings is a page inside Investments, and it appears once you hold cash, savings, an emergency fund or gilts and bonds. It answers one question: how much of your Personal Savings Allowance have you used this tax year, and what is the tax on anything above it?
Your allowance. Interest earned outside an ISA is savings income. You can earn £1,000 of it tax-free at basic rate, £500 at higher rate and nothing at additional rate. WealthR works out which applies from the income you have already entered on the Tax tab; if that is not filled in, or you would simply rather say, set it yourself with the Allowance based on picker on the page.
And the one almost everybody misses. On top of the allowance there is the starting rate for savings: up to £5,000 of interest taxed at 0%. You keep it while your other income is low, and it shrinks by £1 for every £1 of other income above your personal allowance — so it is worth the most to somebody living on the State Pension, taking a career break, or earning less than their partner, and it is gone by about £17,570 of other income. Someone on the State Pension alone can have £6,000 of interest a year and pay nothing on it. Where it applies, WealthR counts it and the page says so under the figure.
Where the interest figure comes from. Two sources, and every row says which one it is using:
Everything is editable on the page. The rate, the month it opened and the interest it has paid can all be changed in the table without going into the holding's own form. Changing the rate here writes it to the holding, so your Forecast and your Cash flow drawdown plan get better from the same edit — it is the same figure in all three places.
Where the year is heading. The headline is what you have used so far. Under it is where you end up by 5 April if your balances stay as they are — which is the number that tells you whether to do anything about it.
How much more before you pay tax. When you are on course to stay inside your allowance, the page turns what is left back into a balance: about how much more in savings, at your current blended rate across all of them, before the interest starts being taxed. That is usually the number people actually want.
What does not use your allowance. A Cash ISA and Premium Bonds are shown on the page too, greyed, with the reason: interest inside a Cash ISA is not taxed, and Premium Bond prizes are tax-free. They are listed rather than hidden so you can see them sitting outside the allowance.
Your emergency fund counts. It is a savings account like any other, and its interest is taxable in exactly the same way. People forget this one, so the Emergency Fund tab links straight here.
Anything you have already entered under Other income on the Tax tab as savings interest is counted as well, and the page says so, so nothing is double-counted or quietly dropped.
Free covers the allowance figure and, always, the warning if you are over it — including what the tax comes to. Pro covers every account and the editor. Figures are an illustration on this tax year's rates and the amounts you have entered; they are not tax advice.
Tag any investment as Property to activate the Property tab. Three types are supported:
The equity growth chart projects each property 30 years forward — mortgage balance reduces monthly and property value appreciates, so equity grows dynamically rather than as a flat number.
Selling or removing: tap Sell / Delete. You can allocate the proceeds to investments, record them as gifted to family (Pro — logs a lifetime gift in the Estate & IHT tab, starts the 7-year clock, and can split equally between named beneficiaries), log it as funds moved elsewhere, or remove the record entirely. The Activity Log lets you restore it. Selling a rented-out or second property can trigger Capital Gains Tax (due within 60 days) — the sell screen links to the free CGT calculator.
Property equity can be toggled in or out of your net worth and forecast at any time.
Plan a future sale or gift: each property card has a "Plan ahead" row — pick a year and what happens to the equity. Sell & reinvest moves the equity into your investments in that year of the Forecast; gift to family (Pro) removes it from your net worth entirely, so you can see the step-down before you commit. Either way the Forecast chart and table get a teal marker — "Flat sold 2028" or "Flat gifted 2028". It's a model, not an action: when the sale actually happens, use Sell / Delete as normal (and the gift option there starts the real 7-year clock).
Mortgage deal reminders: add your interest rate, mortgage type and deal expiry date to each property. WealthR shows an amber warning when your deal is within 90 days of expiring, and a red alert if it has already expired — giving you time to shop around before rolling onto SVR.
A collapsible guide at the top of the Property tab covers owning vs renting, BTL reality, alternatives — and a full explanation of Fixed, Tracker and SVR mortgage types including when to act.
Free tier: 1 property. WealthR Pro: unlimited properties — track multiple BTLs, holiday homes and your primary residence side by side.
The Estate & IHT tab builds your inheritance tax picture from the data you already track. It needs at least one logged month (or a pension pot) to work from, and it has three panels.
Your estate (free) leads with four tiles: estate value, the allowances you can use, the inheritance tax due and what passes to your heirs. The estate band chart draws the estate left to right in the slices the rules carve it into: nil-rate band, residence nil-rate band, any charity legacy, what is taxed and what heirs keep. When the April 2027 pension rule is switched on a second row shows the same estate with pensions left out, so the cost of the change is visible, and a marker shows where the residence band starts to taper at £2m. Below the chart every line of the calculation is listed, from net worth to what passes on.
Your situation sits behind the Edit situation button and is summarised in the chips under the heading: marital status (assets left to a spouse or civil partner are IHT-free, and the tab models the second death), both partners' allowances (up to £650k nil-rate band plus £350k residence band), home to children or grandchildren (the residence band, tapered £1 per £2 above a £2m estate), whether to include pensions under the April 2027 rule, and any charity legacy (10% or more cuts the rate from 40% to 36%).
Gifts & wishes (Pro) shows the 7-year clock: every gift as a bar from the day it was given to the day it leaves your estate, the taper years lighter and today marked, with tiles for what is still in the window, the nil-rate band used, when the last gift clears and the possible tax on gifts if you died today. Name your beneficiaries, give each a share of the estate on the share bar, earmark specific assets to people and see per-person totals with a fairness check. Wishes stay out of reports and adviser views unless you switch them to shared.
For your family (Pro) shows what each pension would pay on death: death-in-service lump sums and survivor's pensions for defined-benefit schemes, and how each pot is treated under the current and April 2027 rules. The account map is a private, printable list of where every account is held, pointers only, never account numbers or passwords.
Estimates, not advice. Inheritance tax and estate planning are exactly the decisions to take to a qualified adviser or solicitor; bring the page with you.
The Assets tab tracks physical assets that hold or grow in value — things that don't fit a traditional investment account. Always visible in the navigation.
A word on bullion and tax, because it is widely misunderstood. There are two separate reliefs, and neither of them is “gold is tax free”:
WealthR does not apply either relief automatically, because it cannot tell a Britannia from a bar from the name you typed. The Cash flow planner leaves precious metals out of its capital-gains maths for the same reason, and says so where it does.
General information on the rules as they stand, not advice on what to hold. Tax treatment depends on your circumstances and can change.
For each asset, WealthR calculates gain/loss vs purchase price, annualised return (based on purchase date), net position after holding costs, and a future-value projection based on your expected annual change rate.
The forecast, rebuilt. The future-value chart gives a clear projected-value readout — what your collection could be worth, the change, and the annual growth rate — with a shaded conservative-to-optimistic band, toggles for £ vs % and today's money vs future pounds, and 5 / 10 / 20 / 30-year horizons. Best of all, a "What if?" mode lets you drag each asset's or category's growth rate up and down and watch the projection change live, without touching your saved assumptions.
The Collector's Vault (Pro). Add up to four photos per item — proof of provenance, condition or receipts — kept in an encrypted vault. The images are encrypted on your own device before they ever leave it, with location data stripped out, so only you can ever see them. It's the safe way to keep a visual record of a collection alongside its value.
Assets default to excluded from net worth — toggle them in if you want them counted. Physical assets are real wealth but illiquid, so the choice is yours.
To add quickly: use + Add month → tap + Add in Investments → select type Asset.
The Reference library (in Learn) has a "Physical assets" guide on what has historically appreciated and what hasn't.
Free tier: 1 asset. WealthR Pro: unlimited assets, the "What if?" projection and the encrypted photo vault.
The Journey tab (it replaces the old Milestones tab) is the one place that tells the story of your money — where you've been, what's next, and the goals you're working toward. It reshapes itself around your life stage, so it tells the right story whether you're building wealth or drawing it down.
Your stage. A control at the top sets where you are — Working · FIRE · Approaching retirement · Retired. It stays in sync with your Profile, and switching it reshapes the whole tab (and tells Tax and Forecast to adapt too — choosing Retired flips them into drawdown mode). A one-line confirm appears before anything changes.
While you're building (Working / FIRE):
Your goals. Set personal goals and WealthR measures the progress for you. A goal can track any figure you already have — net worth, investments, cash savings, pension or emergency fund — or a manual savings pot. Add an optional target date (WealthR works out the £/month needed and whether you're on track) and a category (home, wedding, car, travel, education, retirement…) so a house deposit feels different from a wedding fund. The free plan tracks up to 3 active goals; Pro is unlimited — and reaching a goal frees a slot.
Foundations. The financial building blocks worth having in place — started investing, opened an ISA, started a pension, built an emergency fund, bought a home, cleared credit-card debt — auto-detected from your data and celebrated once they're all in. For retirees these switch to the essentials that matter later: will, power of attorney, State Pension, drawdown plan, estate & beneficiaries.
Once you're retired, the whole tab flips from climbing to lasting: a headline read on how long your money is projected to last ("projected to last to age 92"), a retirement runway along an age timeline, and a guaranteed-income coverage bar showing how much of your spending is covered by income the markets can't touch.
Both your custom goals and your milestone crossings feed the monthly debrief, so progress gets celebrated by name.
Every time you save a monthly entry, WealthR generates a personalised debrief card that slides up from the bottom. It shows:
Live snapshots on Net Worth and Investments tabs. Beyond the post-save debrief, WealthR shows a "snapshot" card on both tabs that updates live as you switch months. The Investments snapshot is particularly rich:
Free users see the core snapshot lines; Pro lines appear blurred with a click-to-unlock hint. Tap ▾ Hide on either snapshot to collapse it — state persists per user.
Your emergency fund is money set aside for the unexpected — job loss, car repairs, medical bills. Without one you are forced to sell investments at the wrong time or take on debt.
WealthR automatically counts your Cash and Emergency Fund investments towards your target — just tag investments with those types when logging.
How to set it up: go to the Emergency Fund tab, enter your monthly expenses and choose a target (3 months is the minimum, 6 months is solid). WealthR shows how many months of cover you have now and how long until you're fully funded.
A commonly cited guideline is 3–6 months of expenses in an accessible account — the right amount varies by individual.
Your Profile settings power the whole app:
Keep your contribution and growth rate accurate — even small changes have large long-term effects on your forecast.
The Compounding Effect chart sits on the Net Worth tab and shows the most important concept in investing — the split between what you put in and what compounding adds on top.
The earlier the crossover, the more powerful your position. Even a modest increase in monthly contributions moves it significantly.
The Records tab has two sub-tabs:
Auto-estimated months (filled by auto-invest) show a ✱ — tap edit to replace with your real figures at any time.
Deleting a month removes all its investments and debts. The Activity Log lets you get it back if you change your mind.
Generate a read-only share link from the Profile → Settings tab. Before the link is created, you choose exactly which sections it shows — tick Net worth and Forecast for your IFA, just Pensions for an accountant, or a fuller picture for family. Everything you don't tick simply doesn't exist in their view, and they cannot edit anything.
Share it with your IFA, accountant, financial coach or a trusted family member. They get the picture you've chosen to give them, instantly. Most advisers are impressed — the majority of clients cannot tell them their actual net worth on the spot.
Regenerate the link with a different selection any time, or revoke it with one click — the old link immediately stops working. Links also expire automatically 30 days after creation, so an old link you forgot about can't stay live forever.
Estate wishes have their own privacy switch on top of this: even when the Estate & IHT section is shared, who-gets-what stays hidden unless you've explicitly set wishes to "Shared".
The share link contains no personal identifiers — just the financial data you selected. No name, no email, no account details are exposed.
WealthR Pro feature. Custom share links are part of Pro — perfect for clients working with an IFA or accountant.
The Tax tab is a UK income tax calculator and planner for the current tax year. It is a standalone illustration tool: nothing you enter here changes your investments, forecasts or net worth, though the Budget tab and pension tax relief read your take-home from it.
Your details live behind the Edit details button: how you are paid (employed, self-employed or through your own company), salary or profit, region, pension contributions, student loan plan, tax code, children and your partner's figures. Everything recalculates as you type.
This year leads with four tiles: take-home, tax plus National Insurance, your effective rate and the marginal rate on the next £1 earned. Below them the bands ladder draws your income through the year's bands for your region (Scotland has six, the rest of the UK four) with your adjusted net income marked, the Child Benefit charge zone striped when you have children, and a line naming the next threshold above and below you. Then where your salary goes, the band-by-band breakdown, and the things worth knowing: the 60% trap between £100,000 and £125,140, the Child Benefit charge, Marriage Allowance, the ISA and pension allowances.
Allowances tracks the year's ISA, pension annual allowance, dividend allowance and capital gains allowance from what you have entered elsewhere in WealthR, with a switch on each to say you have already maxed it.
Planning (Pro) turns your figures into the moves worth checking, ranked by what they are worth: a salary sacrifice modeller with a slider that shows what an extra pension contribution does to your take-home, your tax and your pension (with the employer NI pass-through as an option), the Child Benefit charge escape, the Marriage Allowance check, household pension efficiency for couples, the Bed and ISA check of your taxable holdings against the CGT allowance, and a top-slicing relief calculator for investment bonds.
Print report: tap Print or Download PDF at the foot of the This year view for a one-page summary to take to an accountant or adviser.
This tool uses standard HMRC rates for illustration only. It does not constitute financial or tax advice. For your specific situation, speak to a qualified tax adviser.
Everywhere else in WealthR projects what your tax will be. Payslips (called Paid vs due until September 2026) is the one place that records what actually happened, and compares the two. It is the Pro view on the far right of the Tax tab.
What to enter. Two figures per income source: the taxable pay and the tax taken off, from a payslip, a pension payment advice or a P60. Each income has its own line, named as it is in your plan: employment (PAYE), each company or DB pension, each drawdown pot (the taxable part only), and the State Pension. Figures entered together for several pensions before they had their own lines stay together, and the screen offers to move them to one pension or clear them. Enter them month by month, in the grid on Payslips or in the Tax this month section of Monthly snapshot, or as a single figure to date from your latest payslip. Months entered after a to-date figure are added to it. A month entered inside it is taken out of it, and what is left covers the other months, so nothing is counted twice and every month can still be edited.
Estimates fill the gaps. Until a month is entered, WealthR shows an estimate from your Cash flow plan as it stands now — a twelfth of the year's income from each source, taxed with your tax code. Estimates are marked as such, never saved, and move whenever the plan does. In the snapshot they sit in the boxes as grey placeholders; Matches my payslip copies them in for you to check and save. Once you enter any figure for a month, the estimates for that month go: a box left empty counts as nothing received, and a 0 you type is saved as 0. The State Pension is the exception, because it is paid gross with no payslip: it keeps the plan's figure unless you enter one.
Your tax code. Enter one tax code or allowance per person for the year (1257L, 1100L, a K code, or an amount). It defaults to the code under Edit details. Codes for a second source only, such as BR or D0, are not a year's allowance and are not accepted here.
The State Pension has no tax box, because it is paid without tax taken off. It is still taxable, and HMRC usually collects its tax through the code on another pension — so if you do not enter it, WealthR uses your plan's figure for it, and a DB pension carrying that tax does not show as over-deducted.
What it tells you. The comparison runs to the last month you have entered. Tax due is the year's tax on the year's income — what you have entered, plus your plan for the rest — shared out in proportion to the income received so far. It shows the gap to date, and where the year would end if the rest goes as your plan expects: level, more deducted than due (HMRC normally repays that after 5 April, or adjusts a code), or less (normally collected through a later code or a Simple Assessment letter). A difference is a prompt to check, not a finding: WealthR cannot see your actual tax codes, benefits in kind, reliefs, losses, or an underpayment from an earlier year being collected. It lists what usually explains a gap, and points you to your HMRC personal tax account, which is where the codes live.
Emergency tax on a first pension withdrawal. Until your provider has a tax code for you, HMRC taxes the payment on the month-1 basis — a twelfth of the personal allowance and a twelfth of each band, whatever the size of the payment. On a £20,000 taxable withdrawal taken in one go that is thousands more than the year's actual bill; spread as twelve level monthly payments, the first is taxed at close to the right rate. The Cash flow tab's Drawdown planner shows this on your own plan, and the warning itself is free — you do not need Pro to see it. Overpaid tax comes back, through PAYE later in the same tax year or by claiming it with HMRC's P55, P53Z or P50Z form.
Closed years are kept. Once 6 April passes, the year just gone becomes a final position rather than a running total, and stays in a Closed years list you can reopen and correct. A finished year is compared over the whole twelve months on what you entered only — the comparison a P60 invites.
Couples. The Viewing lens at the top of the Tax tab switches between You, your partner and Household. Under Household both sets of figures are on screen, each person is worked out on their own allowances, bands and region, and the results are added — never one calculation on a combined income, which would give one personal allowance to two people. Each person keeps their own row, so a household total that nets to nothing because one of you is over and the other under says exactly that rather than reading as an all-clear.
Illustration only, on HMRC's published rates. It is not a tax return and does not constitute financial or tax advice. Check any figure with HMRC, your accountant or a regulated adviser before acting on it.
The Budget tab is your monthly bill planner. Enter your essential outgoings by category — housing, transport, groceries, utilities, subscriptions, childcare, debt payments — and WealthR shows exactly what's left after everything goes out. Your savings rate appears in real time with smart observations on how it compares to UK norms.
How it works: set your monthly take-home (or auto-import from the Tax tab) and add each bill by category. The remaining amount and savings rate update live as you type. A coloured indicator on each category tells you whether you're in the typical range for that line, on the light side, or on the heavy side.
Housing share slider: if you split rent or mortgage with a partner or flatmates, set your share (100%, 75%, 50%, 25%). The tab uses your effective share rather than the full property cost — keeps the figures honest if you're not paying the whole thing.
Smart observations — based on your figures, WealthR surfaces context not advice: savings rate vs UK average, ISA headroom you have available, salary sacrifice opportunities if you're near a tax band, and how your monthly surplus connects to your FIRE date.
Powers other features: your bills figure feeds the Income Shock scenario (for runway calculations), the Emergency Fund target (months of expenses cover), and your overall savings-rate analysis. Worth keeping up to date — a lot of other tabs lean on it.
The mobile layout stacks the category rows into a clean two-line card (icon left, label + input full-width below) so big amount entries fit comfortably on a phone keyboard.
Scenarios is WealthR's life-event simulator. It models the questions a financial planner would charge £200/hr to run — in your pocket, against your actual data. These are illustrations, not regulated advice. Drag a slider, see the consequence on your net worth trajectory, FIRE date and lifetime wealth in real time.
What you can model today:
How each scenario works: the engine takes a snapshot of your current state (net worth, income, bills, growth assumptions, retirement target) and applies a perturbation to project forward. The dual-line chart shows your baseline trajectory (dashed grey) versus the scenario (solid green). The shaded area between is literally the cost of the scenario. Outcome cards summarise the headline numbers; sliders let you experiment; the narrative explains in plain English what it all means.
Quick presets above the sliders jump you to common life situations in one tap — Redundancy / Parental leave / Long illness for income shock; 1-child state / 2-kids state / private secondary for child cost.
Save & Compare (Pro): save a scenario configuration with a name (e.g. "My redundancy plan", "2-kid private school stretch"). Saved scenarios appear on the Scenarios overview as cards — tap to re-open them at the exact settings, tap Compare to overlay two side-by-side. The compare view shows both trajectories on one chart plus a table of deltas (FIRE date impact, lifetime wealth impact). Saved scenarios sync across all your devices via the same Supabase pipeline that handles the rest of your data.
Saved scenarios update their figures dynamically as your underlying data changes — they're configurations, not snapshots. If your emergency fund grows from £5k to £8k, your "Redundancy plan" automatically reflects the longer runway next time you open it. No manual refresh needed.
Free and Pro. Income Shock, Salary Sacrifice, the Pay rise and Maternity pay are free; the other scenarios, save and compare, and longer slider ranges unlock with WealthR Pro.
Scenarios are projections from your current data using standard assumptions — not predictions, not financial advice. For decisions that matter, talk to a regulated adviser via Unbiased.
WealthR automatically saves to the cloud every time you log an entry. You will see a synced indicator in the top bar when everything is up to date.
Sign in on any device — phone, tablet, laptop — and your data loads automatically. Nothing to transfer or export.
Installing on iOS: open WealthR in Safari → tap the Share button → "Add to Home Screen". It launches as a full-screen app with no browser address bar or navigation chrome — exactly like a native app.
Installing on Android: open WealthR in Chrome → tap the three-dot menu → "Add to Home Screen" or "Install app". Same experience.
The installed version respects your phone's safe area (Dynamic Island, notch, home indicator) and handles landscape/portrait correctly. It's the best way to use WealthR on a phone.
Tour seen status, scenario settings and profile preferences all sync across devices — so your setup follows you everywhere.
Signing in with Touch ID, Face ID or Windows Hello. After you have signed in once on a device, WealthR offers to turn on biometric sign-in for that device. It is a per-device convenience, entirely optional, and your password always still works — this can never lock you out.
What it does not do is store your password. Nothing anywhere in WealthR keeps a copy of it. What is stored on that one device is a sign-in token, encrypted so that only your fingerprint or face can unlock it:
Your fingerprint or face never leaves the device and WealthR never sees it — the passkey is held by the operating system, and all WealthR gets back is a yes. Anyone reading the device's storage finds a public key, a sealed token they cannot open, and a private key locked behind your biometric.
It is per device, so turning it on for your laptop does nothing for your phone. Turning it off in Settings removes the credential from that device. If it ever stops working, sign in with your password once and it repairs itself.
The WealthR Blog is a growing collection of practical UK personal finance guides — written from experience, no jargon, no advice.
Current posts cover net worth tracking, ISA vs SIPP, retirement planning and why starting young matters. New posts are added regularly on topics that matter to UK investors.
Reach the blog from the footer link at the bottom of the app, or visit wealthr.co.uk/blog directly. (It lives on the marketing site rather than the in-app sidebar now — it's reading for when you're not deep in your numbers.) Every post links back to the relevant section of the app so you can put what you read into practice straight away.
The blog is the best place to understand the thinking behind WealthR's features — if you want to know why the 25x rule matters or how to think about ISA vs SIPP for your situation, start there.
The Playbooks are WealthR's library of in-depth, plain-English guides to the big UK money decisions — read right inside the app from the Playbooks tab in the sidebar. Each one goes far deeper than a blog post: the rules, the numbers, the tax bands and the order to do things in.
The seven Playbooks:
Tailored to you. WealthR reads your own profile — income, children, age, FIRE number, estate value — and surfaces the Playbooks most relevant to your situation first, with a short note on why each one matters for you.
Read in-app or take them away. Read each Playbook straight in the Playbooks tab, or grab the PDF to keep. They're kept current as the rules change, so what you read reflects the latest UK allowances and thresholds.
Playbooks are a Pro feature — included with your subscription alongside Scenarios, the Tax Year Optimiser and the estate planning suite. They're illustrations to help you understand your options, not personal advice.
WealthR's free tier covers the fundamentals — net worth tracking, forecasts, debt, retirement, dividends, tax calculator, budget planner, one property, one asset and one Junior ISA child. Pro unlocks the planning tools that turn tracking into action.
What you get with Pro:
Pricing: £5.99/month or £39.99/year (saves ~£32). 7-day free trial for first-time subscribers — full access, cancel anytime in Settings, no charge if you cancel before the trial ends.
Upgrade from Profile → Settings → Upgrade to Pro, or tap any Pro feature to start the trial. Existing data, settings and history are preserved — Pro just unlocks the gated features instantly.
Pro is designed to pay for itself. The Tax Year Optimiser alone typically surfaces several hundred pounds of legitimate tax savings for higher-rate earners — far more than the annual subscription.
When a company makes a profit, it has two choices: reinvest it into growth, or distribute some to shareholders as a dividend. You own shares — you get a cut. Simple as that.
Dividends are typically paid quarterly (US style) or twice a year (UK style). The amount is quoted as a yield — the annual dividend as a percentage of the share price. A £10,000 holding with a 4% yield pays you £400 a year, or about £100 every quarter.
They're predictable, they don't require you to sell anything, and they keep arriving whether markets are up or down. That's why retirees love them. That's why some FIRE people build their whole strategy around them.
A Dividend Reinvestment Plan (DRIP) automatically buys more shares with your dividend instead of paying it out as cash. It sounds dull. It is, in the best possible way.
The maths are brutal in your favour. £10,000 in a fund returning 7% annually with dividends taken as cash grows to roughly £38,000 over 20 years. The same fund with dividends reinvested grows to around £52,000 — an extra £14,000 for doing precisely nothing different.
Many UK platforms can reinvest dividends automatically, and accumulation funds do the same inside the fund. Whether reinvesting or taking the income suits you depends on when you need the money.
WealthR models both strategies in the chart above. Switch between them and see the difference for yourself. The gap after 20 years tends to be a bit of a moment.
The UK dividend allowance is £500/year (2026/27) — dividend income above that is taxed at 10.75% if you're a basic-rate taxpayer or 35.75% if you pay higher rate. That adds up fast if you're building serious passive income outside a wrapper.
The good news: ISAs and SIPPs are completely sheltered.Dividends inside a Stocks & Shares ISA are tax-free, full stop. Inside a SIPP they grow tax-free until drawdown. That is why the wrapper a dividend-paying holding sits in makes such a difference to what you keep.
£20,000 ISA allowance. £60,000 SIPP annual allowance (subject to earnings). Dividends above the £500 allowance in a general account are taxed at your dividend rate; the same dividends inside an ISA are not. Money in a pension stays there until your minimum pension age (55, rising to 57 in April 2028).
Add your holdings here with the wrapper type and WealthR will remind you of the tax position on each. The UK dividend allowance has been cut three times in four years — don't assume it stays at £500.
Dividends can be cut.They are not guaranteed. When a company hits trouble, the dividend is often the first thing to go. In 2020, over 50% of FTSE 100 companies cut or suspended their dividend. If your income plan depends on a specific yield, stress-test it against a 30% cut.
High yield often means high risk.A 10% yield on a single stock is a red flag, not a bargain. The market prices that yield high because it thinks the company might cut it, is struggling with debt, or operates in a declining industry. The sweetest-looking yields often evaporate fastest.
A global dividend fund spreads the income across hundreds of companies and countries. The usual trade-off is a lower yield than a handful of high-yielding shares, in exchange for relying less on any one company.
The other trap: obsessing over yield and ignoring total return. A company that grows 10% a year and pays no dividend often builds more wealth than one that yields 5% and grows at 1%. Dividends feel nice. But the spreadsheet cares about total return.
WealthR doesn't recommend investments. This is how the common kinds of dividend holding differ, so the terms make sense when you add your own.
Global dividend funds and ETFs hold hundreds of dividend-paying companies in one fund. Yields tend to be lower than the highest-yielding single shares, and no single company decides the income.
Investment trusts can keep back part of their income in good years and pay it out in lean ones, which is how some have long records of rising dividends. Their share price can sit above or below the value of what they own, known as a premium or a discount.
Bond and high-yield funds pay income from lending rather than company profits. Higher yields come with the risks of interest-rate moves and borrowers failing to repay.
Individual shares pay whatever that company decides, and the payment can be cut or stopped. For help choosing, a regulated financial adviser or MoneyHelper is the place to start.
Gold has maintained purchasing power for over 5,000 years. An ounce of gold bought a fine Roman toga, a good suit in the 1920s, and still buys roughly the same today. Cash can't say that.
You don't have to hold it physically — ETFs like SGLN or PHGP track spot gold price and are held in insured vaults in Zurich. You get the exposure without worrying about where to hide a gold bar. Silver follows similar dynamics but with more industrial demand, so it's more volatile.
Most serious wealth builders hold 5–15% of a portfolio in gold as insurance against currency debasement, inflation and systemic financial stress — not as a get-rich vehicle.
Track your gold and silver here — whether it's coins in a safe or an ETF in your ISA. Watch it hold its value when everything else doesn't.
Certain watches — particularly Rolex Submariners, Daytonas and Patek Philippe complications — have dramatically outperformed most investment classes over the past decade. A Submariner bought at retail in 2015 for £5,500 is now worth over £12,000 on the secondary market.
The catch: not all watches appreciate. Quartz watches, fashion brands, and anything without serious collector demand depreciates the moment you walk out of the boutique. The market is driven by scarcity, brand prestige and secondary market liquidity — Rolex manufactures deliberately for demand to outstrip supply.
Storage is easy (a safe or bank vault), insurance is available, and unlike gold you can wear yours to dinner. Just don't go swimming — even a Submariner has its limits.
Add yours here with the purchase price to track real return. You might be surprised.
Most cars are terrible investments. A new car loses 20–30% of its value the moment you drive it off the forecourt and continues depreciating until it's worth scrap. Track your everyday car here to get an honest view of net worth — but don't expect good news.
Classic cars are different.Vehicles from the late 1960s–1980s with motorsport heritage, low production numbers or cultural significance have returned 8–12% annually over the past 20 years according to the HAGI Top Index. An air-cooled Porsche 911, early Ford GT40, or original Mini Cooper S bought in 2005 has since appreciated dramatically.
The risks are real: storage costs, maintenance, insurance, and the fact that the classic car market is largely driven by wealthy baby boomers who are, eventually, not going to be around to bid at auction. Generational tastes shift.
Add any car here — daily driver or weekend classic. Track what it actually does over time. Most people are surprised how quickly ordinary cars dissolve wealth.
Art, fine wine and rare collectables share an interesting characteristic: their value is almost entirely disconnected from equity markets, interest rates and economic cycles. That makes them genuine diversification — not just in theory, but in practice.
Blue-chip contemporary art from established artists has returned around 7–8% annually over 25 years per the Mei Moses index. Fine Bordeaux and Burgundy wine has done similar. Both require knowledge, storage and patience — and the market is opaque and illiquid compared to equities.
The honest truth: most art bought as investment does nothing. The appreciation is concentrated in a tiny number of artists and works. If you love it and it goes up in value, brilliant. If you love it and it doesn't, you still have something beautiful on your wall.
Whatever it is — a first-edition book, a case of 2005 Pomerol, a piece from an artist whose career you believe in — add it here and track it honestly. Most surprises in this category go both ways.
Your mortgage is a forced savings plan — every payment builds equity in an asset that (historically) appreciates. In the UK, property has returned roughly 3–5% per year above inflation over the long run. You also get to live in your investment, which your ISA can't offer.
The real upside: leverage. A £30k deposit on a £200k house means a 10% rise in property value doubles your initial stake. No other asset gives most people 6:1 leverage at sub-5% interest rates.
The catch: illiquidity, maintenance costs, stamp duty, and the fact your wealth is concentrated in one postcode. A leaky roof doesn't care about your other financial goals.
WealthR tip: track your equity (value minus mortgage) here — not the full property value. That's your actual wealth. The rest belongs to the bank.
A well-chosen BTL in the right area can generate a 5–8% gross yield — income from rent relative to the property's value. After mortgage, maintenance, void periods and the odd nightmare tenant, net yields are typically 3–5%.
Post-2016 tax changes hit landlords hard — mortgage interest relief was restricted, and since 2020 it's gone entirely for higher-rate taxpayers. Running BTL through a limited company is increasingly popular but adds complexity.
Honest take:BTL can work beautifully or be an enormous stress depending on the property, the area, and whether you're handy with a wrench at 11pm on a Sunday. Model the real numbers here — including voids and costs — before you decide it beats an ISA.
The maths sometimes works in renters' favour. If you rent and invest the deposit + the difference between rent and mortgage payments into a globally diversified index fund, you might come out ahead over 20 years — especially in high price-to-rent ratio cities like London or Edinburgh.
Renting also buys you something property owners quietly envy: flexibility. You can chase opportunities, move cities for work, or simply decide you want to live somewhere different next year. No estate agents, no surveys, no chains.
The key is doing something productive with the capital you're not tying up. Renting and spending the difference is how you end up with nothing. Renting and investing it is a legitimate wealth strategy.
A growing number of people — particularly those who work remotely — have discovered that a converted van, narrowboat or tiny house costs less per month than a city flat and delivers more sunsets per pound than almost any other living arrangement.
The financial case is real: eliminate rent or mortgage entirely, reduce your monthly outgoings to fuel, food and a gym membership, and suddenly your savings rate goes from 10% to 50%. That's the FIRE maths done in one lifestyle choice.
The practical reality involves cold mornings, finding somewhere to shower, and explaining to your mum why you live in a Volkswagen. But plenty of people do it, love it, and retire 15 years earlier than their friends.
Track it here: add your van, boat or tiny home as a property. Watch the equity as it holds value — or doesn't. Either way, you'll know.
Fixed rate — your interest rate is locked for a set term, typically 2 or 5 years. Monthly payments stay the same regardless of what the Bank of England base rate does. When the term ends you move onto the lender's SVR unless you remortgage — this is the moment to act.
Tracker — your rate moves in line with the Bank of England base rate plus a fixed margin (e.g. base + 1%). Payments go up when base rate rises and down when it falls. Usually has an end date after which you roll onto SVR.
SVR (Standard Variable Rate) — the lender's default rate, set at their discretion. Almost always 1–3% higher than deals available on the open market. Rolling onto SVR is something to actively avoid — most people do it by accident when their deal quietly expires.
When to act: most lenders let you lock in a new rate up to 6 months before your current deal expires, with no obligation to complete until the switch date. Starting the search 3–6 months early is standard — leaving it until after expiry means paying SVR for no reason.
The deal expiry reminder in WealthR is purely for your convenience — a nudge to shop around at the right time. It does not constitute financial advice. Always compare deals from multiple lenders or speak to a mortgage broker.
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You can revert this from the Activity Log in the Records tab.
Model a new loan or purchase — the monthly cost, the interest, and what it does to your net worth. If it buys something (a car, a renovation), WealthR counts the asset too. Illustrative only.
Spare cash each month, a lump sum, or both. See where it leaves you better off over time — clearing debt faster, or investing it. A lump sum can be entered as a share of the balance, the way lenders and mortgage offers word it.
For a savings account, fixed-rate ISA or bond: add the interest rate, plus an end date if it is fixed-term. WealthR grows it at that rate in your forecast and flags the maturity as it nears.
The ongoing charge figure (OCF) or total expense ratio (TER), taken from returns each year. Typical index funds: 0.07 to 0.22%. Active funds: 0.5 to 1.5%. Platform fees are separate and can go in Notes.
Rate you'd roll onto when the deal expires (SVR).
When it's fully paid off — clears it from the forecast.
Once a month we send The Quietly Compounding email: what has changed in WealthR, a reminder to keep your figures current, and the UK tax dates worth knowing. One email a month, and you can unsubscribe in a tap.
For anything not in the list — militaria, fountain pens, guitars, fossils, whatever you collect.
Have you sold this property? What would you like to do with the proceeds?