Wealth, recorded. No guesswork. Track a range of investments and assets — and see exactly where you're heading.
"Finally deleted my spreadsheet after 4 years. WealthR pulls everything together — ISA, pension, property equity — in one place. The monthly debrief after saving your figures is a nice touch."
"The actual return calculator after 3 months is a game changer. Found out I was achieving 11.2% annualised — now I use that as my realistic forecast instead of guessing."
"I hadn't really invested before and had no idea where to start. WealthR helped me get my head around dividends and retirement planning properly. I'm only 28 — starting now, I know my future self will thank me."
Not a US app with a £ sign bolted on. Every feature is designed around how people actually invest in the UK.
Everything a serious UK investor needs — ISAs, SIPPs, property, pensions, dividends, FIRE, tax — in one place.
Join people who actually know their net worth. Set up in under 5 minutes. No bank linking, no credit card required.
Enter your email and we'll send you a reset link.
Used only to calculate your age for visualisations — never stored on our servers.
How much do you typically put away each month? Ballpark is fine.
Not sure? 7% is the long-run average for a diversified global index fund.
| Month | Investments | Debt | Net worth | D/I% | Change | Notes |
|---|
| When | Action | Month | Account / Entry | Type | Detail |
|---|
| Account | Type | Value | Return | % of portfolio | Fee/yr | Notes |
|---|
| Name & type | Balance | Notes |
|---|
| Year | Age | Investments | Debt | Net worth | D/I% |
|---|
The fund's ongoing charge. Typical workplace defaults: 0.22–0.5%. SIPPs: 0.07–0.45%. DB pensions have no fund fee — your employer bears the risk.
Used to calculate how many months of cover you have
| Account | Value | Counted |
|---|
Check the fund's stated yield or dividend history
Regular amount you add each month (optional)
DRIP = Dividend Reinvestment Plan — compounds faster
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.
Most brokers offer DRIP automatically — Vanguard, Fidelity, Freetrade all have it. Enable it once and forget about it. The switch from income to DRIP is the single easiest upgrade most investors never make.
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 (2025/26) — dividend income above that is taxed at 8.75% if you're a basic-rate taxpayer or 33.75% 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. This is why the conventional wisdom is: max your ISA first, then your SIPP, then a GIA if you still have more to invest.
£20,000 ISA allowance. £60,000 SIPP annual allowance (subject to earnings). If you're building a dividend portfolio and not using these wrappers first, you're handing money to HMRC for no reason.
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.
Diversification is your friend. A global dividend ETF like VHYL (Vanguard FTSE All-World High Dividend Yield) spreads your income across hundreds of companies and geographies. You give up some yield versus cherry-picking individual stocks, but you sleep much better.
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.
Not financial advice. Just what comes up most when UK investors discuss dividend income seriously.
VHYL — Vanguard FTSE All-World High Dividend Yield. Global, diversified, low cost. Yield around 3–3.5%. The boring sensible choice that most people end up with.
CITY / CTY — City of London Investment Trust. One of the oldest investment trusts in the UK. Has grown its dividend for 57 consecutive years. Yield around 4.5–5%. The kind of thing your grandparents would approve of.
NCYF — New City High Yield Fund. Higher risk, higher yield (~7–8%). Invests in high-yield bonds and equities. Not boring. Not for your entire ISA. Interesting for a slice.
Individual stocks — Lloyds, HSBC, National Grid, Legal & General are frequently discussed for UK dividend income. Each comes with sector-specific risk. Do your homework. Or just buy the ETF.
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.
100 = sole owner. Joint? Enter your % (e.g. 50)
Your current fixed or tracker rate
For reminder only — WealthR will alert you before your deal expires so you can shop around before rolling onto SVR
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.
Used to calculate your age automatically — updates each month without you doing anything.
Multiply your annual expenses by 25 to estimate this. E.g. £30k/yr spend = £750k magic number.
Pre-fills your Scenarios and Retirement sliders
Sets the Realistic scenario — pessimistic stays below, optimistic above.
Used to show values in today's purchasing power on charts. Bank of England targets 2%; UK long-run average ~2.5%.
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 shows your actual net worth as a solid line, with three short-term forecast lines showing where you could be in the next few years based on your pessimistic, realistic and optimistic scenarios.
The five metrics at the top:
Below the chart, 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.
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.
The Forecast tab projects your net worth year by year, based on your current investments compounding forward with monthly contributions. Three scenarios are always available in the dropdown:
The assumptions badge next to the dropdown shows exactly what rate and contribution each scenario is running — so you always know what you're looking at.
Actual return scenario: this unlocks via one of two routes — (1) add purchase prices and purchase years to your holdings (available from day one), or (2) log 3 months of real data. Once unlocked, the dropdown shows your real annualised return — either as a cost basis CAGR or a time-weighted tracked return. The method is labelled clearly.
Adjust assumptions — tap the "🎚️ Adjust assumptions" panel to reveal the three-column scenario editor. Each scenario has its own growth rate (number inputs, with pessimistic capped below realistic and optimistic capped above). Monthly contributions are linked by default — change one and all three update. Unlock them independently when you want to model genuinely different saving rates.
Age filter — use the From/To age inputs to zoom into a specific part of the forecast timeline, like 40–60 or 55–70.
Milestones — below the table, WealthR shows when your current scenario forecasts you hitting each of your net worth milestones.
💡 Your Profile growth rate sets the Realistic scenario. Changing it in Profile updates the forecast live — and a "Go to Scenarios →" link appears under the field if you want to fine-tune further.
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, and it unlocks the Actual forecast scenario immediately — no wait required.
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.
💡 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.
The Investments tab breaks down your portfolio for any recorded month — a donut chart by type, a bar chart by holding, and a table with values, percentages and notes.
Use the type filter chips at the top to focus on specific investment types — select one, several or all.
The + Add investment button at the top right opens the monthly entry modal directly, letting you add or update holdings without navigating away.
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.
💡 Tag investments accurately by type (Stocks ISA, SIPP, GIA, Cash etc.) — it powers the UK-specific breakdown and makes the donut chart genuinely useful.
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, balance and optional notes (e.g. interest rate, 0% end date, payoff target). It's added to the current month automatically.
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.
💡 Add notes to each debt with the payoff date. Watching debts disappear month by month is one of the most satisfying things in the app.
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.
💡 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 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).
💡 The projected retirement income figure combines your DC pot drawdown and State Pension — your total estimated annual income in retirement.
The Dividends tab 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 what to consider 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 (2025/26). ISA and SIPP wrappers are fully sheltered. GIA holdings above the allowance are taxed at 8.75% (basic rate) or 33.75% (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.
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, log it as funds moved elsewhere, or remove the record entirely. The Activity Log lets you restore it.
Property equity can be toggled in or out of your net worth and forecast at any time.
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.
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.
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.
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.
💡 A collapsible guide at the top of the Assets tab covers gold, watches, classic cars and art — what has historically appreciated and what hasn't.
Milestones tracks your progress towards key net worth targets — £10k, £25k, £50k, £100k, £250k, £500k and £1M. Each shows a progress bar, how close you are, and when your Realistic forecast says you will get there.
Add custom milestones for personal goals — a house deposit, a sabbatical fund, paying off a specific debt, anything that matters to you.
When you hit a milestone, a celebration appears in your monthly debrief — the summary card that appears after each monthly save.
Every time you save a monthly entry, WealthR generates a personalised debrief card that slides up from the bottom. It shows:
It only appears when you have a previous month to compare against — so from month two onwards.
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 History 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. Anyone with the link sees your full dashboard — charts, holdings, history, forecasts — but cannot edit anything.
Share it with your IFA, accountant, financial coach or a trusted friend. They get a complete picture of your finances instantly. Most advisers are impressed — the majority of clients cannot tell them their actual net worth on the spot.
Revoke the link at any time with one click. The old link immediately stops working.
💡 The share link contains no personal identifiers — just your financial data. No name, no email, no account details are exposed.
The Tax tab is a UK income tax calculator for the current tax year. It's a standalone illustration tool — nothing you enter here affects your investments, forecasts or net worth. It's designed to help you understand where your money goes and surface things worth knowing about your tax position.
What it calculates: income tax (broken down band by band using England/Wales/NI or Scottish rates), National Insurance, student loan repayments (Plans 1, 2, 4, 5 and Postgraduate), pension contributions (employee and employer), and your annual and monthly take-home pay.
Smart observations: based on your inputs, WealthR surfaces contextual facts — not advice. These include the 60% effective rate trap (£100k–£125,140), child benefit taper (£60k–£80k), salary sacrifice opportunities, marriage allowance eligibility, ISA annual allowance and pension annual allowance warnings (including the taper for high earners above £260k).
Scotland vs England: Scotland has its own bands — Starter (19%), Basic (20%), Intermediate (21%), Higher (42%), Advanced (45%) and Top (48%). Select your region and the correct rates apply automatically.
Print report: tap "Download / print summary" to open a clean one-page tax summary. Use your browser's "Save as PDF" to download it — useful before a meeting with an IFA or accountant.
Your inputs are saved and pre-fill automatically next time you visit.
⚖️ This tool uses standard tax rates for illustration only. It does not constitute financial or tax advice. For your specific situation, speak to a qualified tax adviser.
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.
Choose a strong password of at least 8 characters.
Got a question, found a bug, or just want to say hi? Send us a message and we'll get back to you.
Feature idea, bug report, or just a thought — I read every message personally.
↩ You can revert this from the Activity Log in the Monthly entries tab.
Ongoing charge figure (OCF) or total expense ratio (TER) — taken automatically from returns each year. Typical index funds: 0.07–0.22%. Active funds: 0.5–1.5%. Platform fees are separate and can be added in Notes.
100 = sole owner. Joint? Enter your %
Your current fixed or tracker rate
For reminder only — WealthR will alert you before your deal expires so you can shop around before rolling onto SVR
Have you sold this property? What would you like to do with the proceeds?