WealthR vs ProjectionLab
The UK-built alternative to a US-first projection engine. UK tax, State Pension and phased retirement with PAYE — priced in pounds, not dollars.
WealthR vs Moneyhub
Moneyhub closed its consumer app on 14 August 2026 and is now B2B-only. Where its users are moving — and why WealthR is the natural home for the planning-minded ones.
WealthR vs Snoop
Long-term retirement planner vs day-to-day savings tips. Different time horizons, often complementary.
Emma vs Snoop
Two Open Banking money apps compared: budgeting vs bill-switching, and the point at which you have outgrown both.
WealthR vs PensionBee
Planning tool that covers every pension provider, vs a single managed SIPP. Most users benefit from both.
WealthR vs WealthView
Free web-based UK planner vs Apple-only one-time-purchase app. Deeper free tier, desktop visualisation, cross-device sync vs strictly on-device.
WealthR vs Ledgi
Full UK planner with permanent free tier, tax depth, FIRE modelling and 32 free calculators vs clean tracker with Claude Code AI integration and live prices.
WealthR vs Emma
UK wealth tracker & planner vs Open Banking budgeting app. Different primary needs — Emma for spending, WealthR for wealth and tax. Often used together.
WealthR vs Moneybox
Moneybox holds and invests your money — round-ups, LISA with the 25% bonus, pension consolidation. WealthR tracks and models all of it, across every provider. The most complementary pairing in the series.
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Free at the core tier. No bank linking. No credit card. Two minutes to set up. See if it fits.
Get started free →The three categories of UK personal finance app — and which one you're actually looking for
Searching “best UK net worth tracker” returns a confusing mix of apps that all sound similar but actually solve different problems. The seven UK products on this hub fall into three meaningful categories, and the right pick depends entirely on which category fits your need.
1. Open Banking spending trackers (Emma, Moneyhub, Snoop)
These apps connect to your bank accounts and credit cards via Open Banking, pull every transaction automatically, and categorise them. They solve the “where did my money go this month?” problem. Emma is the established UK leader with 2m+ users since 2017 and now includes direct investing. Moneyhub ran a mature, paid-only consumer aggregator for years, but closed its consumer app on 14 August 2026 and now operates B2B-only, powering other companies' apps rather than serving users directly — so it's no longer an option for new sign-ups. Snoop (owned by Vanquis Banking Group) focuses on surfacing savings opportunities and bill-switch recommendations from your spending data. The remaining aggregators require linking your bank and are subscription-based at consumer tier (Emma has a free basic tier).
2. Manual-entry wealth trackers & planners (WealthR, WealthView, Ledgi)
These apps don't connect to your bank — you enter monthly balances yourself (about two minutes a month). They solve the “where do I stand and where am I going?” problem. WealthR is a free web-based UK planner with a permanent free tier covering the full UK income tax calculator, FIRE planning, 11-stream retirement income modelling, a year-by-year Drawdown Planner, sequence-of-returns stress testing, ISA tracking across all six UK wrappers, BTL cashflow, and a Budget tab. It also tracks how your investments have actually done — the Performance tab measures your real return per holding against a global index and a typical savings account — keeps a searchable note against each month in My Financial Diary, and has seven Playbooks you can read or listen to. There is also an encrypted, zero-knowledge Collector's Vault for photographing physical assets, optional biometric sign-in, and 32 standalone free UK calculator tools alongside the main app (including dedicated LBTT-Scotland, LTT-Wales, Marriage Allowance, CGT 2026 and HICBC landing pages). WealthView is Apple-only (iPhone, iPad, Mac, Vision) with a £7.99 one-time unlock and strictly on-device storage. Ledgi is a clean, focused tracker with a genuinely novel Claude Code skill and CLI for AI-agent access.
3. Single-purpose specialists (PensionBee)
PensionBee is a different category from everything else on this list — they're an FCA-regulated SIPP provider that consolidates your old workplace pensions into one professionally managed pot. They don't track your wider wealth; they hold and manage one specific part of it. The clean UX is a real strength. The right combination for many UK users is PensionBee for pension consolidation plus a tracker from category 2 (or aggregator from category 1) to see the rest of the picture together.
How most UK users actually combine these apps
The pattern I see most often: one app from category 1 for spending (Emma or Snoop) plus one app from category 2 for wealth and planning (WealthR, WealthView or Ledgi). The two categories solve different problems and don't really conflict. PensionBee sits alongside either if you specifically want pension consolidation. Trying to use a single app for both day-to-day spending and long-term retirement planning typically means compromising on one or both.
What this hub doesn't cover
Three things deliberately not included on this list: US-focused apps like Empower, Monarch, YNAB and Lunch Money (they don't model UK ISA allowances, HICBC, Scottish bands, or the £100k taper — UK users typically end up frustrated); investment platforms like Vanguard UK, AJ Bell, Hargreaves Lansdown (they're brokerages, not trackers, even though they show portfolio values); and spreadsheets (the honest competitor to most of category 2 — many UK FIRE planners use spreadsheets and that's fine, the apps just make it more visual). If you're considering one of those and looking for an honest UK alternative, the closest fit is usually in category 2.