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The story behind WealthR

Built by someone who needed this.

Not a fintech team. Not a venture-backed startup. An email marketer in Edinburgh, a spreadsheet that wouldn't stay current, and a question every UK platform was failing to answer: am I actually on track?

WealthR — wealth, recorded.

Most finance apps want the keys to your bank. WealthR doesn't even want your home address — or your full date of birth. A name, an email, and the month and year you were born: enough to run the maths, never the day that identity checks rely on. You record your own numbers once a month; nothing's linked, no credentials stored, nothing shared. In a world where financial data is leaked, sold and phished daily, the safest information is the kind you never hand over. That's not a limitation — it's the point.

A spreadsheet that wouldn't stay current.

I've spent the last decade building wealth slowly — ISAs, pensions, equity in my home, and a small box of silver coins my dad passed down to me.

Every platform I used showed me what I had today. None of them showed me where I was heading. Could I retire early? Was I actually on track? What happens if markets fall 30% the year I stop working?

I'm Liam — an email marketer in Edinburgh. Not a fintech founder. I started investing at 18, and I was one of the first users of Moneybox when it launched in 2016 — I even backed their first ever round of crowdfunding. Solid returns. Still investing through them today.

Then I added Trading 212 for the no-fee ISA. That's when it got messy. Two platforms, two dashboards, no single view of what I actually had. My solution was a spreadsheet on my desktop with net worth, FIRE projections, three forecast scenarios. The maths worked.

The problem was me. I'd forget to update it for months at a time, and eventually the forecasts stopped reflecting reality. The tools that existed either required bank linking, were built for the US market, or just answered a slightly different question.

So one evening I thought — why not just build the app I actually want?

Two platforms, two dashboards, no single view. I just wanted to see the full picture in one honest place.

That's WealthR. Two minutes a month — type in your latest balances and the forecast catches up. No bank linking. No ads. No selling your data. Built for the UK from day one: ISAs, SIPPs, State Pension, IHT, the £100k tax trap, salary sacrifice — UK rules baked in, not bolted on.

It started as a personal project. It became something I'm genuinely proud of. 50+ live features and counting — including the three-phase retirement trajectory, Monte Carlo simulator, life-event Scenarios, the Tax Year Optimiser, and 19 free standalone UK calculators.

The next phase isn't about adding more features. It's about finding the first hundred people who genuinely rely on it every month. If that's you, I'd love to hear what you think.

Liam Kane, founder of WealthR
Liam Kane
Founder · Edinburgh
See the roadmap →

Five things WealthR will never do.

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Your data is yours. Full stop.
No bank linking. No open banking. No selling your data to third parties. Your financial life is the most sensitive data you own — WealthR treats it that way.
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No ads. Ever.
WealthR doesn't show ads, doesn't take money from financial providers, and doesn't have incentives to push products at you. What you see is what's useful — nothing more.
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Built for how UK investors actually invest.
ISAs, SIPPs, LISAs, dividend allowances, NI qualifying years, BTL equity, UK income tax bands. Not a US app with a £ sign bolted on.
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Manual entry is a feature, not a limitation.
Typing in your numbers once a month keeps you connected to your finances. It takes two minutes. The awareness it creates is worth far more than passive aggregation.
Fast, honest, no fluff.
No loading spinners, no bloat, no dark patterns. The app should feel like a tool you trust — not a product trying to upsell you.

Ready to see the full picture?

Free to use. No bank linking. Takes about five minutes.

Try your first forecast → See what's coming