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. 70+ live features and counting — the three-phase retirement trajectory, a full Drawdown Planner, the Monte Carlo simulator, life-event Scenarios, the Tax Year Optimiser, the encrypted Collector's Vault for physical assets, biometric sign-in, and 32 free standalone UK calculators.
The next phase isn't about adding more features. Hundreds of people use it now — what matters is the first hundred who genuinely rely on it every month. If that's you, I'd love to hear what you think.
That's the part I care about most now. Every Budget, tax tweak and pension shake-up gets reported the same way: the Chancellor stood up, here's the number. The bit almost nobody bothers with is the one you actually want — what it does to your money.
So that became the job. I take the UK money news, strip out the jargon, and turn each change into a plain-English answer with a calculator attached — so you put in your own figures and see your own number, not just the headline figure for some average household. I won't tell you what to do with it: I'm not a financial adviser, and that's your call. I'll just make sure you actually understand what changed and what it means for you. That's WealthR Live — the money news that affects you, tracked as it lands.
