Best UK net worth tracker apps 2026: an honest review of all 7 (including the one I built)

A budgeting app that grew into a net-worth tracker. 2m+ UK users since 2017.

Emma's core proposition is spending. Open Banking connects to your bank accounts and credit cards, transactions are categorised automatically, and the app builds a picture of where your money actually goes each month. Budgeting limits, subscription detection, bill reminders, cashback offers, peer-to-peer payments — Emma does all of this well. They've also moved into direct investing recently: GIA, ISA, individual stocks and crypto from £1, with a SIPP listed as “coming soon”.

Net worth tracking is included but is positioned as part of their Pro tier in the current plan structure. If you specifically want net worth as your primary use case and don't already need the spending side, Emma's pricing model can feel like you're paying for the budgeting features you might not want.

A focused UK net worth tracker with a genuinely novel Claude Code skill and CLI.

Ledgi's clearest differentiator is something no other app in this list has: an AI-agent integration. Install their CLI or their Claude Code skill and you can ask an AI “what's my net worth” or “add my Monzo account with £2,500” in natural language, and the AI actually updates your data. For users who live inside AI workflows, this is a unique fit. Beyond that, Ledgi is a clean, focused tracker — net worth, ISA allowance across four UK wrappers, pension overview, live investment prices across stocks/ETFs/crypto, spending analytics derived from monthly snapshots, a five-minute monthly review.

The trade-off is scope. Ledgi doesn't include a UK income tax calculator, doesn't model FIRE or Coast FIRE, doesn't run sequence-of-returns stress tests, and doesn't have a permanent free tier (60-day free trial then £2.99/mo or £26.99/yr). It's deliberately narrower than something like WealthR — and that's the appeal for the right user.

A long-established UK personal-finance aggregator. Paid-only at consumer tier.

Moneyhub is genuinely excellent at one thing: aggregating past spending across every account you own. Open Banking connections pull transactions from your current accounts, credit cards, ISAs, SIPPs and mortgages into one unified view, updated daily, categorised automatically. If you have four banks, three credit cards and a tangle of investment accounts and you want one screen that shows you what's happening, Moneyhub will deliver that within hours of setup. They're FCA-regulated as an information provider and offer Money Coach-style features that go beyond simple categorisation.

The downside is that Moneyhub doesn't have a permanent free tier at the consumer level, and the product isn't built around the questions a UK retirement planner asks. There's no UK income tax calculator, no retirement income modelling, no FIRE / Coast FIRE features, no sequence-of-returns stress test, no ISA allowance tracking across all six UK wrappers.

An FCA-regulated SIPP provider, not really a tracker — but UK users often confuse the two.

PensionBee is a different category from the rest of this list. They don't track your wealth — they hold and manage one specific part of it (a consolidated SIPP). What they do brilliantly is make the “I have 4–5 old workplace pensions and no idea where they are” problem disappear: they consolidate the lot into one beautifully designed app with transparent fees and a sensible default investment plan. The UX is genuinely excellent.

The reason PensionBee is on this list is because UK searchers often type “PensionBee alternative” when they actually want a tracker (something that sees their full picture, not just the PensionBee pot). For that use case, PensionBee is the wrong tool — by design. It can't see your ISAs, your DB pension, your property, your State Pension, or the SIPP you didn't consolidate with them. The right combination for many UK users is PensionBee to hold the consolidated pot + a tracker to model everything together.

An Open Banking app focused on day-to-day savings tips rather than long-term wealth.

Snoop is owned by Vanquis Banking Group and built around a specific question: “where am I overpaying right now?”. The “snoops” feature surfaces patterns from your Open Banking data — a streaming subscription you forgot about, an energy tariff that's £200/yr worse than the alternatives, a broadband deal you should renegotiate. For users in the “I should save more but I can't see where” situation, Snoop is genuinely useful and the UX is friendly.

What Snoop doesn't try to do is the long-term wealth picture. There's no retirement income modelling, no FIRE planning, no UK income tax calculator, no sequence-of-returns analysis. It's a day-to-day app, not a planning app. The two are complementary rather than competitive.

A free UK wealth tracker and financial planner — built because none of the above did the job for me as a UK FIRE planner.

I'll be specific about what WealthR is and isn't, because vagueness here would be unhelpful. WealthR is a manual-entry web app that combines net worth tracking with a full UK financial planner. The free tier covers the full UK income tax calculator (HICBC, Marriage Allowance, Scottish bands, the £100k 60% trap, Student Loan Plans 1–5 + PG, salary sacrifice), a FIRE / Coast FIRE / depletion modeller, an 11-stream retirement income module with correct UK tax treatment per source, ISA allowance tracking across all six UK wrappers (S&S, Cash, LISA, JISA, IFISA, legacy Help to Buy), a Budget tab with bill categories (housing, utilities, groceries, subscriptions, etc.), take-home calc, savings-rate observations and a FIRE-date link, the dividend income horizon planner, BTL cashflow with gross yield, financial and sequence-of-returns stress tests, and 12 months of history. Pro (£5.99/mo or £49.99/yr) adds PDF reports, custom adviser share links (you choose exactly which sections your IFA or family can see), the Tax Year Optimiser (a personalised HICBC escape and Bed & ISA plan), what-if Scenarios, the estate planning suite, and unlimited history.

Updated June 2026: since this post was first published, WealthR has shipped a full Estate & IHT tab — your inheritance tax position built from the net worth you already track: nil-rate and residence bands (with the £2m taper), spouse transferable allowances, the 36% charity rate, and the April 2027 pension rule modelled both ways. The IHT calculation is free; Pro adds lifetime gift tracking with live 7-year taper countdowns, who-gets-what wishes (private by default), and an “if you died today” death-benefit view. Selling a property can now be recorded as gifted to family — the 7-year clock starts automatically, split equally between children if you choose — and you can model a planned future sale or gift on the Forecast tab and watch the net-worth step-change before committing. As far as I can tell, no other app on this list models any of this. Usual caveat applies: estimates, not advice — these are exactly the decisions to take to a qualified adviser.

Separately from the app, wealthr.co.uk/tools/ publishes nineteen standalone free UK calculator tools — Bed & ISA, CGT allowance tracker, CGT calculator (post-Oct-2024 rates), Coast FIRE, FIRE number, HICBC, IHT on pensions, income shock, LBTT-Scotland, LTT-Wales, long-term care, marriage allowance (with backdating), Monte Carlo retirement, mortgage overpayment vs invest, pension carry forward, salary sacrifice pension, stamp duty 2026, cost of raising a child, car cost — that anyone can use without signing up.

Where WealthR is honestly weaker than alternatives on this list: no Open Banking (manual entry by design — Emma, Moneyhub and Snoop are much better if that's what you want), no Claude Code skill or CLI (Ledgi wins outright on AI-agent access), no native iOS app (it's a web-first PWA — WealthView wins for native iOS), no direct investing inside the app (you can't buy shares in WealthR), no transaction-level spending categorisation (the Budget tab is manual entry), no rent-reporting to credit bureaus. WealthR is a planning tool, not a transactional one.

A native iOS net worth tracker with a one-time payment and strictly local storage.

WealthView takes a clear position: iPhone-only (Android is “coming soon”), £7.99 one-time unlock instead of a subscription, and your data never leaves your device — no servers, no account, no cloud sync. For users whose threat model is “no third party should ever touch my financial data”, this is the strictest privacy posture available. The app itself is polished: six tabs covering wealth, retirement, tax, history, and the basics are well-executed. The four-scenario retirement stress test (longevity, low growth, market crash, care costs) is a useful planning feature.

The trade-offs are platform and free-tier depth. iOS-only rules out Android users entirely and rules out desktop visualisation for everyone. The free tier covers basic net worth and a 5-row retirement preview; the full modeller, stress test, IHT projection and CGT awareness all sit behind the £7.99 unlock. If you want a comparable free product, WealthR's free tier covers more ground.