Built like an IFA report — not a budget tracker.
Your UK net worth, tax and retirement plan
in one place.
Record your accounts once, then keep your net worth, forecasts and UK tax position up to date in minutes each month.
Free forever · No card · 7-day Pro trial · No bank linking · Not regulated financial advice
A glimpse inside WealthR ↓
WealthR by the numbers
Real money, really being tracked.
The total wealth people are actively tracking inside WealthR — updated automatically and fully anonymised. No individual's figures are ever shown.
£130M+
Total wealth tracked
£105M+
Combined net worth tracked
Aggregate, anonymised and self-reported by people using WealthR. Illustrative of how the app is used — not investment performance, a recommendation, or financial advice.
What people are saying
Used by UK savers, FIRE planners and retirees.
"It was everything I was looking for in a financial planning application and more. Having previously spent considerable time building a financial spreadsheet, I wasn't keen to replicate the process… Not only was the application well designed and feature rich, Liam's support was exemplary — even adding a feature request within days of submission. If only other software developers were this diligent and responsive."
"An app made for UK investors — the free tier is extremely generous and I'm able to fully visualise my financial future in one place. All I need to do is add my investment totals once a month… Can even add assets, property and pensions! Saves me looking at individual dashboards. For a fairly new app, this is amazing!"
"The most complete wealth tracker I've ever come across for people that are UK based. I'm leaving this review as I want to ensure people trust that it's a legitimate company and worth the time to set up… I came across the website interested in the coast FIRE concept, but there's so much more here for anyone interested in personal finance."
What's inside
The tools UK investors actually use. One clean view.
Track your net worth, forecast where your plan goes, plan retirement and drawdown with UK pensions and tax modelled properly, and keep ISAs, property and physical assets in one place. Pro goes further: a dashboard you arrange your way, the Tax Year Optimiser, what-if Scenarios, the Drawdown Strategy Lab, PDF reports and your full history.
Net worth tracking
One number, every month. 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. No bank linking.
Forecast Updated
Where your plan goes, on your real figures. Three scenarios, a market-crash stress test, life events like a new kitchen or a wedding, property sales and downsizes, and the year you retire, all on one line to any age. Today’s money in a click.
Retirement & FIRE
A readiness score built for the UK. It sizes the pot you need after DB pensions, State Pension and annuities, bridges the years before they start, and tells you when you could stop working. Drag the levers and watch it move.
Drawdown planner Pro
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, DB pensions and frozen tax bands all modelled, England or Scotland.
Pension planning
Workplace DC, SIPP, LISA and Defined Benefit, tracked separately and totalled together. State Pension from your NI record, tax relief per pot, and a Monte Carlo that runs thousands of market paths to answer “will it last?”
UK tax Updated
The full 2026/27 year: take-home band by band, HICBC, Marriage Allowance, student loans, salary sacrifice and the 60% trap, England, Wales, NI and Scotland. Every ISA wrapper’s allowance tracked. Pro adds the Tax Year Optimiser.
Dividends & income New
Track the income your holdings pay, see reinvesting against taking it month by month, and the year your dividends could cover your spending. Live yields for listed holdings.
Household & partner
Plan as a couple, not two spreadsheets. Mark anything as part-owned, switch between Household, You and your partner’s share everywhere, and run one shared forecast that lets each of you retire at a different age.
Property & buy-to-let Updated
Value, equity and the mortgage on the same engine as your Forecast: your rate, your deal expiry, the year it clears. Plan a sale, a downsize or a gift. Pro adds a rental cash-flow chart for every let, with yields and a link into your retirement plan.
Estate & IHT
Your inheritance tax position from the numbers already here. Nil-rate and residence bands, spouse transfers, the 36% charity rate, the April 2027 pension rule modelled both ways. Pro adds lifetime gifts with live seven-year countdowns.
Physical assets & vault Pro
Watches, gold, art, wine and classic cars, each on its own value forecast with a what-if for the ones that lose value. Private photos in the Collector’s Vault, encrypted on your device so not even we can see them.
Private. Always.
No bank linking. No ads. No data selling. Sign in with Face ID or a fingerprint, and keep asset photos zero-knowledge encrypted, readable only by you. Your financial life is yours; we just help you see it clearly.
Free UK money calculators
Free UK calculators that plug into your plan.
A growing library of free UK calculators — use any of them right now to model a single decision, then create a free account to bring your whole picture together and watch it move month to month.
Live · New
Pension Annual Allowance UK
Threshold and adjusted income, the £1-for-£2 taper to the £10,000 floor, headroom after this year's contributions, MPAA mode.
Open calculator →
Live · New · Scotland
ADS Calculator Scotland
The 8% Additional Dwelling Supplement on a second home or buy-to-let, the LBTT with it, and when you can reclaim it.
Open calculator →
Live · New · Proposal
Proportional Property Tax Calculator
A 0.48% levy on your home’s value would replace council tax. See what yours would pay — and whether that is more or less than now.
Open calculator →
Live · New · 2026/27
Tax on Savings Interest Calculator
A frozen £1,000 allowance and 4–5% rates are quietly dragging savers into tax. See exactly what you'll owe on your interest.
Open calculator →
Live · New · 2026/27
State Pension Tax Calculator
The full new State Pension is £22 under the frozen personal allowance. See if you'll pay tax — and how much once you add any other income.
Open calculator →
Live · New · NHS
NHS Maternity Pay Calculator
Agenda for Change, month by month — full pay, half pay + SMP, SMP and unpaid — and what it looks like spread evenly across the year.
Open calculator →
Live · New · SMP + employer
Maternity Pay Calculator UK
SMP, NHS, teachers, civil service or fully custom — see what you’ll be paid across your leave, month by month, and spread it evenly.
Open calculator →
Live · New · £100k line
Adjusted Net Income Calculator UK
Salary sacrifice, an EV scheme and your bonus all move one number — your adjusted net income. See how close you are to the £100,000 cliff, and the tax + NI each lever saves. 2026/27, Scottish bands.
Open calculator →
Live · New · 2026/27 rates
Dividend Tax Calculator UK
The new 10.75% / 35.75% rates, the £500 allowance, PA taper and pension band-extension — see your bill, your effective rate, and what the April 2026 rise costs you.
Open calculator →
Live · New · April 2027
Cash ISA Limit 2027 Planner
From April 2027 only £12,000 of your cash fits in the ISA wrapper (65+ keep £20k). See your overflow and what it costs in tax — and the route that keeps it tax-free.
Open planner →
Live · New · DRIP
Compound Interest Calculator UK
See how a lump sum plus monthly top-ups compound over time — and exactly what reinvesting your dividends (DRIP) adds versus spending them. Monthly compounding, year-by-year chart.
Open calculator →
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 · 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 · 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
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
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
Salary Sacrifice 2026/27
Real 2026/27 maths — tax, NI 8%/2%, employer rebate, student loans, the £100k trap, Scottish bands.
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
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 →
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 · 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
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 →
WealthR Live
The money news that actually affects you.
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. Tracked and updated live.
See all live coverage →The UK Money Playbook
Then learn the money stuff in the order that matters.
Six plain-English, properly referenced guides — from your first safety net to assets that work for you. Free, no sign-up, never advice.
Stage 1 · Start here
Emergency fund
How many months you actually need — and where to keep it.
7 min →
Stage 2
Pensions
DC, SIPP, DB and LISA — what each is, and which does what.
9 min →
Stage 3
Investing
Index funds, ISAs and dividends — and the honest risks.
10 min →
Stage 4
Property
Owning, renting, buy-to-let — what actually makes sense.
9 min →
Stage 5
Assets
Gold, watches, cars and art — what appreciates, what doesn't.
8 min →
Stage 6
Tax
The bands, the stealth rise, and the allowances you're not using.
9 min →
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.
From the blog
Honest UK finance writing.
No jargon, no hype.
Property8 min
Land Value Tax UK: what 1.28% would actually cost you
Most of the figures being quoted are wrong, because they tax the whole property instead of the land underneath it.
Read post →
Assets7 min
How to keep track of what your valuables are actually worth (UK)
The watch, the ring, the bike, the camera. Never written down, never revalued, and missing from every net worth figure you have ever calculated.
Read post →
Saving9 min
How much should I have saved by age? UK targets, honestly
There's no official UK figure for how much you ‘should’ have saved by a given age — but two rules of thumb get you a useful answer: the salary multiples, the pension pot you'd actually need, and why the trajectory beats the target.
Read post →
Tax9 min
Self Assessment UK: the 31 January deadline & who has to file
The UK Self Assessment deadline is 31 January. The dates that actually matter, who genuinely has to file, the January payment-on-account shock, the penalties — and the reliefs people quietly miss.
Read post →
Savings · Tax6 min
The stealth tax on savers — and how to check if it's caught you
The Personal Savings Allowance has been £1,000 since 2016 while rates hit 4–5%. More savers are quietly paying tax on their interest — here's how it works, and how to check where you stand.
Read post →
Property · Tools6 min
How to add a stamp duty calculator to your website (and keep it correct)
Adding a stamp duty calculator to your site is easy — keeping it correct after every Budget is the part firms miss. The three ways to add one, honestly compared.
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 does your house count?
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 →
Playbooks
Go deeper with the Playbooks
Plain-English UK money guides — the current 2026/27 rules with a worked example the whole way through, every figure checked against HMRC and gov.uk. £19.99 each, or all seven included with Pro.
Pricing
Simple, honest pricing.
Start free. Upgrade when you're ready.
Monthly
AnnualSave 44%
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
£5.99
per month · 7-day free trial · cancel anytime
Everything in Free
Pro Tax Year Optimiser — HICBC escape, Marriage Allowance scanner, Move-into-ISA candidates
Scenarios — life-event simulator (income shock, childcare, care, Budget changes)
Retirement suite — Will my money last? across 5,000 futures, the Drawdown planner, Strategy Lab & survivor plan
Full stress-test controls — recurring & one-off cost builders, personalised fixes
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
All 7 Playbooks included — in-depth UK money guides (£19.99 each on their own). Unlock once your trial converts.
Unlimited properties & asset groups
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 (£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 (each subscription or utility), and see your budget benchmarked against ONS UK household-average spending, with a "Plan as a household" toggle. The difference from 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. So yes, you can budget with WealthR; it's just 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, 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 31 free calculators. WealthR Pro (£5.99/month or £39.99/year, saving 44% annually) adds the Pro Tax Year Optimiser (HICBC escape, Marriage Allowance scanner, Bed-and-ISA candidates), the retirement suite (Will my money last? across 5,000 futures, 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, 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 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 go further still — they're encrypted on your own device (zero-knowledge) before upload, so not even we can view them. You can also sign in with your fingerprint or face (Face ID / Touch ID / Windows Hello) instead of a password. 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. See the full security overview for detail.
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.
Free to start · No card · No bank linking · No ads, ever
Wealth,
recorded.
Keep your wealth recorded, your tax understood, and your future in view.
Takes 5 minutes · Works on every device · Your data stays yours