Built like an IFA report — not a budget tracker.
Your UK net worth, tax and retirement plan
in one place.
Free forever · No bank linking · No credit card · Not regulated financial advice
£0
To get started
2 min
To set up
0
Ads. Ever.
No
Bank linking
Here's what you'll see inside ↓
What's inside
Everything a UK investor needs. One clean view.
Net worth tracking, smart UK-aware forecasts with Monte Carlo, a full UK tax calculator with the Pro Tax Year Optimiser, the Pro Scenarios life-event simulator, ISA & SIPP coverage, dividend, property & physical-asset tracking, financial stress test — and a free retirement income tracker for anyone already in decumulation.
Net worth tracking
Records, clean charts, plain-English insights. Know your number every month — not just when you open a spreadsheet.
See where you stand New
How does your net worth compare to the UK for your age? A clean percentile scale benchmarks you against the ONS Wealth & Assets Survey — bottom to top 10%, with the median and quartile thresholds for your age band. Follows your Household or You view. Early in the journey? It shows the milestones ahead instead of a rank.
Household & partner planning New
Plan as a couple, not two spreadsheets. Mark any investment, property or debt as part-owned, name who owns the rest, then switch between Household, You and your partner's share across net worth, forecasts and tax. Joint income, both pensions, both State Pensions and combined take-home in one shared view — with an ownership breakdown of who owns what. Friend or family co-owners stay out of your total.
Smart forecasts
Three-scenario projections with live sliders, plus a Monte Carlo simulator that runs thousands of market paths to show the odds your money lasts. Add purchase prices to unlock your real annualised return from day one.
UK tax calculator Updated
Full 2026/27 tax year. Take-home, band-by-band, HICBC on the higher earner, Marriage Allowance, Child Benefit, Student Loan plans 1/2/4/5/PG, salary sacrifice, 60% taper. England, Wales, NI & Scotland.
Pro Tax Year Optimiser New · Pro
Your data turned into a personalised UK tax-year action plan. HICBC escape, Marriage Allowance scanner with backdating, Move-into-ISA candidates ranked against your CGT allowance.
Scenarios — what if? New · Pro
£200/hr financial-planner answers, against your actual data. Model an income shock, the cost of raising a child, long-term care, a single-income transition, a car-on-finance decision, or the 2026–2031 UK Budget changes (pension-IHT, frozen nil-rate bands and more). Drag sliders, watch runway, FIRE-date delay and lifetime cost update live. Save scenarios with names and compare two side-by-side.
ISA allowance tracker New
All six UK ISA wrappers — Stocks & Shares, Cash, LISA, JISA, IFISA and legacy Help to Buy. Limits, contributions and remaining allowance per wrapper, with a built-in help guide.
Financial stress test New
Model job loss, mortgage rate rises, childcare or a one-off cost against your real numbers. Runway in months, net worth impact over 5 years, monthly cash position under each scenario.
Retirement & FIRE
Magic number, coast number, accumulation and drawdown charts. Plus a portfolio runway calc that answers "will my money last?" in plain years.
Pension planning
Workplace DC, SIPP, LISA, Defined Benefit — tracked separately, totalled together. State Pension projection from your NI qualifying years. Tax relief shown per pot.
Estate & IHT planning New
Your inheritance tax position from the numbers already in your dashboard — free. Nil-rate and residence bands, spouse transferable allowances, the 36% charity rate, the April 2027 pension rule modelled both ways. Pro adds the planning suite: lifetime gifts with live 7-year countdowns, who-gets-what wishes (private by default), and what your family would receive if you died today.
Property & BTL
Value, equity, mortgage balance, BTL cashflow and gross yield. Toggle equity in or out of your net worth — fully dynamic.
Physical assets & collectables
Track watches, art, classic cars, wine and precious metals alongside everything else — each with its own growth rate. See gains, holding costs, and how they fit into your total net worth.
Dividend income horizon
Model reinvestment then income phases. See projected monthly passive income at any future age — with the UK £500/yr dividend allowance baked in.
Custom adviser share links Pro
Share a read-only link with your IFA, accountant or family — and choose exactly which sections they see. They can edit nothing. Revoke with one click.
PDF reports Pro
Clean printable summaries of any section — net worth, investments, tax position or pensions. Useful for adviser meetings or mortgage applications.
Private. Always.
No bank linking. No ads. No data selling. Your financial life is yours — we just help you see it clearly.
🏖️ Built for retirees too · New
A free UK retirement income tracker — for people already past the FIRE date.
Most UK personal finance apps were built for accumulators. WealthR works just as well in decumulation. Add unlimited income streams — DB pensions, State Pension (with start date), SIPP drawdown, annuity, offshore bond 5% withdrawal, ISA withdrawals, GIA dividends, rental income — each with the correct UK tax treatment baked in. No NI on retirement income. Dividend allowance, Personal Savings Allowance and the £100k taper handled per stream.
11 stream types, proper UK tax
State Pension, DB, SIPP drawdown (25% TFC + 75% taxable), annuity, offshore bond, ISA withdrawals, GIA dividends & interest, rental, other taxable, other tax-free.
Start dates respected
State Pension kicks in at your SPA. Deferred annuity in 2030? The Forecast handles it — future income joins the runway calc when it activates.
Portfolio runway
"Will my money last?" gets an actual answer. Years until the pot is exhausted at your current burn rate — or "indefinite" if income covers spending.
Real net take-home
NI removed. Dividend allowance and Personal Savings Allowance run as separate sub-calcs. Marginal rate shown alongside. The number you'd actually see in your bank.
Read the full write-up →
Built after a retired reader emailed in.
Free UK money calculators
Try the tools before you sign up.
A growing library of free UK calculators — no signup, no email gate. Many are built into the app too, but you can use any of them right now to model a single decision.
Live · New · Reminders
0% Balance Transfer Tracker
Track when every 0% balance transfer and purchase deal ends. See days left, the monthly payment to clear each card in time, the interest at stake, and a ladder planner — plus optional email reminders before the rate jumps to ~25% APR.
Open tracker →
Live · New · True cost
Car Cost Calculator UK 2026
The true cost of a car — depreciation + finance interest + running costs — across PCP, HP, loan or cash, plus what that money could have grown to invested instead.
Open calculator →
Live · New · Escape route
HICBC Calculator UK 2026
Post-April-2024 rules — £60k threshold, £80k full clawback. Shows the exact pension contribution to drop ANI below £60k and escape the charge entirely.
Open calculator →
Live · New · Backdating
Marriage Allowance UK 2026
Up to £1,260 across 5 years (current + 4 backdated). Models both spouses correctly — including the partial-benefit zone other calculators miss.
Open calculator →
Live · New · 2025/26 + 2026/27
Capital Gains Tax 2026
Post-Oct-2024 rates (18% / 24% for shares + property). Income-aware band split, £3k AEA, BADR rate change, spouse split, carried-forward losses.
Open calculator →
Live · New · All 4 nations
UK Stamp Duty (SDLT / LBTT / LTT)
SDLT (England & NI), LBTT (Scotland with 8% ADS), LTT (Wales with separate higher-rates schedule). FTB rules per country, surcharges where they apply.
Open calculator →
Live · New
Pension Carry Forward UK
Stack 3 years of unused Annual Allowance on this year's £60k — up to £240k in one go. Handles taper + MPAA modes, year-by-year breakdown.
Open calculator →
Live · New · Scotland
LBTT Calculator Scotland
Scottish stamp duty done right. Standard LBTT bands, FTB at £175k nil-rate (no upper cap), and the 8% Additional Dwelling Supplement on whole price.
Open calculator →
Live · New · Wales
LTT Calculator Wales
Welsh stamp duty. Main residential bands (0% to £225k), separate higher-rates schedule (rose 1pp on 11 Dec 2024), honest "no FTB scheme" treatment.
Open calculator →
Live
FIRE Number UK
Your real UK FIRE number with tax drag, ISA/SIPP split, and 4% rule sensitivity. Built around how UK investors actually decumulate.
Open calculator →
Live · New
Long-term care cost UK
The only UK care calculator that models all four nations, the £86k cap toggle, NHS CHC, and spouse-at-home logic.
Open calculator →
Live · New
Income shock UK
What unemployment or illness really costs over a lifetime — direct savings PLUS opportunity cost. Usually 2-4× the visible hit.
Open calculator →
Live · New
Cost of raising a child UK
Year-by-year cost from birth to 18 with real childcare options and three education paths. The honest version of the £166k figure.
Open calculator →
Live
Overpay or invest? UK
The most-asked question on UK personal finance forums — answered with real maths across ISA, SIPP, GIA and cash.
Open calculator →
Live
Monte Carlo retirement
Run 5,000 simulated futures of your UK retirement plan. Real UK tax, sequence-of-returns risk, State Pension.
Open calculator →
Live
Coast FIRE UK
Find out if your portfolio is already big enough to coast to retirement — even if you stop contributing today.
Open calculator →
Live · 2027
IHT on Pensions 2027
From April 2027 your pension joins your estate for IHT. See your real bill plus mitigation strategies.
Open calculator →
Live
Salary Sacrifice 2026/27
Real 2026/27 maths — tax, NI 8%/2%, employer rebate, student loans, the £100k trap, Scottish bands.
Open calculator →
Live
CGT Allowance Tracker
Track how much of your £3,000 CGT allowance you've used this tax year — before HMRC hits you with the bill.
Open calculator →
Live
Bed and ISA
Sell from your GIA and rebuy inside your ISA. See the CGT you'd crystallise, the tax saved over time, and whether it's worth doing.
Open calculator →
What people are saying
Used by UK savers, FIRE planners and retirees.
"Started using WealthR for pension modelling. You can enter a range of investments and debts to get a clear picture of your portfolio and risks — and quickly model how different changes might impact your outcome over time. Manual entry takes a bit longer but adds natural security by not linking your bank or pension accounts."
"A brilliant tool for giving me a clear picture of my financial position and how that sets me up for later in life. Genuinely insightful and easy to use — I'd highly recommend it to anyone curious about their financial position or looking to make progress toward their financial goals."
"Didn't think I'd need an app to visualise my future, but here I am. Great interface and easy to use — and the built-in guides explain things I didn't fully understand before. For a novice investor, it brings all my finances into one place. Tax calculator is cool!"
Why WealthR exists
10+ years investing.
None of my platforms showed me my future self.
Liam Kane
Founder · Edinburgh
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.
Every platform showed me what I had today. None showed me where I was heading.
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.
How WealthR compares
Side-by-side with the alternatives.
Honest side-by-side reads on how WealthR fits next to the popular UK apps. Same questions, different answers — and sometimes the right move is to use both.
Compare
WealthR vs Moneyhub
Free planner vs paid Open Banking aggregator. Manual entry vs bank linking. Future vs past.
Read the comparison →
Compare
WealthR vs PensionBee
Multi-provider planner vs single managed SIPP. Most users benefit from both.
Read the comparison →
Compare
WealthR vs Emma
Wealth tracker & planner vs Open Banking budgeting app. Different primary needs — often used together.
Read the comparison →
FAQ
Frequently asked questions
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 19 free UK calculators — no time limit, no credit card, no feature gating on the core experience. WealthR Pro (£4.99/month or £39.99/year) is an optional upgrade. No ads, no data selling, no bait-and-switch.
WealthR Free includes every core feature with no limit on accounts, investments, ISAs or SIPPs — net worth tracking, FIRE planning, 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 19 free calculators. WealthR Pro (£4.99/month or £39.99/year, saving 33% annually) adds the Pro Tax Year Optimiser (HICBC escape, Marriage Allowance scanner, Bed-and-ISA candidates), PDF reports for every section, adviser share links, the actual-return forecast scenario, and full stress test scenario controls. 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, 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, so the numbers stay honest. 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 does not take money from financial providers, so there's no commercial incentive to push you toward any product. Your account is stored on Supabase (EU-hosted) with row-level security so only you can read your own data. The site enforces a strict Content Security Policy and only allows network traffic to our own servers — no third-party tracking pixels, no analytics platforms outside our own privacy-respecting custom build.
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 19 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. We don't support multi-currency portfolios. 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 — every account, investment, pension and historic balance is preserved on the free tier. The only things that revert are the Pro-only features (Tax Year Optimiser, PDF reports, adviser share links, actual-return scenario, full stress test controls and the 12-month-plus history). Re-upgrade any time and it all comes back.
Yes — WealthR Pro includes CSV export of your account data, monthly entries, investment positions and net worth history. Free users can request a full data export at any time via the Privacy page — under UK GDPR (Article 20, right to data portability) you're entitled to a copy of everything WealthR holds about you, delivered in machine-readable format. We don't currently support direct import from competitor apps because their data structures vary widely, but the export covers everything you'd need to move data elsewhere.
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, one-off cost planner and personalised £ fixes.
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.
Pricing
Simple, honest pricing.
Start free. Upgrade when you're ready.
Monthly
AnnualSave 33%
Free
£0
Forever free
Net worth tracking & monthly debrief
FIRE calculator & smart forecasts
ISA, SIPP, pension & property tracker
Dividend income planner
UK tax calculator
1 property · 1 asset group
12 months of history
Pro Popular
£4.99
per month · 7-day free trial · cancel anytime
Everything in Free
PDF reports — every section of the app
Custom adviser share links — pick the sections, read-only, revokable
Actual return scenario in forecasts
Full history — no 12-month cap
Unlimited properties & asset groups
From the blog
Honest finance writing.
A decade of experience.
Couples · Household7 min
More than ten of you asked to plan your money with your partner — so we built the household view
The most-requested feature of the year, by a distance: can WealthR plan my money and my partner's money as one household? So we built it — a free Household / You / Partner view with per-asset ownership splits, where only your share counts toward your net worth.
Read post →
Debt · Tools7 min
I've been stung by a 0% card deal ending — twice. So I built a tracker so it never happens again
I've been caught out by a 0% credit card deal ending more than once — the end date is always buried in a statement, behind a chatbot. So I built a free tracker that shows the days left, the payment to clear it in time, and emails you before the rate jumps.
Read post →
Family · Essays8 min
A finance writer on X told me he skips the Junior ISA on purpose. I'm 28 — it made me rethink the whole thing
Someone I follow on X explained why he skips the Junior ISA on purpose — keeping his daughter's pot in his wife's ISA so the control stays with the parent, not the 18-year-old. The control-versus-ownership question, and the honest trade-offs on both sides.
Read post →
Estate & IHT · New features11 min
A retired reader asked me how to gift a flat to his kids. I'm 28 — I had to learn the 7-year rule from scratch
A retired reader emailed asking how to model selling a rented-out flat and gifting the cash to family. I had to learn nil-rate bands, the 7-year rule and deprivation of assets from scratch — and built the Estate & IHT tab on the way.
Read post →
Essays · New tool8 min
The true cost of a car: what my 2013 Ford Fiesta taught me
In 2015 I rushed into a car and took a terrible dealership finance rate — yet the 2-year-old Fiesta was one of my best buys, running 10+ years. The honest maths on what a car really costs, and the free calculator I wish I'd had.
Read post →
Essays · Investing9 min
Ten years on MoneyBox: a UK customer's honest review
A decade as a MoneyBox customer — and a Crowdcube backer from their first round. The honest review: what the app got right, what the fees are really for, and why the boring weekly habit built more wealth than the equity ever did.
Read post →
Essays7 min
Why this blog is called Quietly Compounding
Why the blog is called Quietly Compounding. A 28-year-old Edinburgh investor on ten years of long-term investing, LISAs, the MoneyBox habit, early mistakes (Planetpalz included), and why starting early beats starting big.
Read post →
Pensions · New tool11 min
Pension carry forward UK: the complete 2026 guide
Stack three years of unused Annual Allowance onto this year's £60k — taking your one-year contribution to £240,000. The rules in plain English, with the taper + MPAA gotchas called out before you trip on them.
Read post →
Comparison · UK apps10 min
Best UK net worth tracker apps 2026: an honest review of all 7 (including the one I built)
An honest review of the 7 leading UK net worth trackers — Emma, Ledgi, Moneyhub, PensionBee, Snoop, WealthR and WealthView. Which fits which need, written by a UK founder who built one of them.
Read post →
FIRE · Retirement9 min
Coast FIRE in the UK: when can you stop saving and still retire?
The most overlooked retirement concept in UK personal finance. A worked UK example for a 28-year-old with £50k invested, the SIPP-vs-ISA wrapper question, and a free three-phase trajectory chart inside WealthR.
Read post →
Later life · New tool11 min
The real cost of long-term care in the UK — and why most calculators get it wrong
£50k-£100k+ a year, four different nations' rules, and the £86k cap that keeps getting kicked down the road. Honest maths and the only UK calculator that handles all four nations.
Read post →
Resilience · New tool8 min
What a 12-month income shock really costs you in the UK
A 12-month UK income shock isn't a 12-month problem — it's a 30-year one. The opportunity cost on savings that never compound is usually 2-4× larger than the income lost.
Read post →
Family · New tool9 min
How much does a child really cost in the UK? An honest answer (it's not £166,000)
The £166k CPAG headline hides a 4× variance — the same UK child can plausibly cost £100k or £450k over 18 years depending on childcare, schooling and housing.
Read post →
Mortgage8 min
"Should I overpay my mortgage or invest?" — My honest UK answer (I do both)
Why I overpay £30-£100 a month even when the maths favours investing, with the calculator I built to check the trade-off and the split approach most UK savers actually use.
Read post →
Pensions9 min
UK Salary Sacrifice Pension — The Complete 2026/27 Guide
Income tax, NI 8%/2%, employer rebate, all five student loan plans, Scottish bands and the £100k tax trap. Real maths, not vague benefits-language.
Read post →
Retirement7 min
Will Your Money Last in Retirement? Run 10,000 Simulated UK Retirements
Sequence-of-returns risk, real UK tax, State Pension built in. The honest answer your pension statement won't give you — methodology fully written up.
Read post →
Methodology6 min
How Monte Carlo Retirement Simulations Work — The Maths Behind the Number
No black box. Every assumption, every formula, every simplification — log-normal returns, sequence-of-returns risk, the UK tax model.
Read post →
Retirement10 min
Free UK Retirement Income Tracker — built because a retired reader emailed me
11 income stream types with correct UK tax treatment. State Pension, DB pension, drawdown, annuity, dividends, rental — all in one place.
Read post →
UK Tools9 min
7 Best Free UK Investing & Tax Tools in 2026
The free UK money calculators I actually use — FIRE numbers, ISA and CGT planning, IHT on pensions from 2027, Bed-and-ISA, net worth tracking.
Read post →
Money decisions8 min
When Do You Actually Need a Financial Adviser in the UK?
When an IFA is worth the £1,500-£3,000 fee, when free guidance from MoneyHelper does the job, and the four moments most UK households actually need professional advice.
Read post →
Personal Finance8 min
Why I've Always Listened to Martin Lewis (And It's Probably Saved Me Thousands)
From timing your car insurance renewal to the UK car finance mis-selling scandal — Martin Lewis's advice is boring, consistent, and genuinely powerful.
Read post →
Investing7 min
Down 25% and Doubling Down: Why I'm Not Panicking About the Middle East Crisis
My portfolio is in the red, the news is grim, and my weekly investment went through anyway. Why pound cost averaging earns its keep in moments like this.
Read post →
Founder5 min
I posted my UK personal finance app on Reddit today. It did not go to plan.
The reply said the space is crowded with vibe-coded apps and a spreadsheet would do. They're not entirely wrong. Here's why I built it anyway — and why forecasting beats budgeting.
Read post →
Retirement6 min
How to plan for early retirement in the UK — without the jargon
Most people have a vague intention to retire eventually. That's not a plan. How to work out your actual number, your savings rate, and when you could genuinely stop working.
Read post →
Basics4 min
What is net worth — and why it's the only number that actually matters
Your salary tells you what comes in. Your savings balance is one piece. Net worth — everything you own minus everything you owe — is the only number that tells the full story.
Read post →
ISA & Pension7 min
ISA vs SIPP: which should you fill first?
The standard advice is frustratingly vague. A proper framework — including what changes completely if you have a defined benefit pension.
Read post →
Personal5 min
Why I started tracking my net worth at 18 — and what I wish I'd known sooner
Most people manage their finances on vibes and a rough idea of their bank balance. I started tracking my net worth at 18 — what a decade taught me.
Read post →
✦ The WealthR Community
Not ready to sign up yet? Join the WealthR community.
Get a short email when a new free UK tool ships, a methodology post goes live, or UK rules change in a way that affects your money. Roughly monthly, never spam. Plus a space to ask questions and shape what we build next.
Ask anything. A space to share UK money setups, mistakes and wins without the spammy adviser pitches.
Shape what ships. Calculator ideas and feature requests from the community get built and credited.
Early access. Members get a heads-up before new free tools and methodology posts go live.
Free to start · No card · No bank linking · No ads, ever
Stop guessing.
Start knowing.
Find out if you're actually on track. Takes 5 minutes to set up. No bank linking, no credit card, no nonsense.
Takes 5 minutes · Works on every device · Your data stays yours