The short answer
Choose WealthR if you want a permanent free tier covering the full UK income tax calculator (HICBC, Marriage Allowance, Scottish bands, £100k 60% trap), a 12-stream retirement income module, FIRE / Coast FIRE / depletion modelling, the headline Will it last? chance, the default sequence-of-returns stress test, ISA tracking across all six UK wrappers, dividend income horizon planning and BTL cashflow — with Pro adding Scenarios, the Drawdown planner, adviser share links and PDF reports. Separately from the app, wealthr.co.uk/tools/ publishes 32 free standalone UK calculators.
Choose Ledgi if you want a clean, focused tracker with four-wrapper ISA allowance monitoring, spending analytics (earning vs spending trends), and — uniquely in the UK personal-finance space — a Claude Code skill and CLI so an AI agent can check your net worth or update balances through natural language. £2.99/mo (or £26.99/yr) after a 60-day free trial.
Both are UK-focused, manual-entry, no-bank-linking products. WealthR is the deeper planner; Ledgi is the tighter tracker with the cleaner AI story.
Side by side
| Feature | WealthR | Ledgi |
|---|---|---|
| Platform | ✓ Web app · iOS & Android PWA · desktop, tablet, any phone | ✓ Web app |
| Pricing model | Permanent free tier · Pro £5.99/mo or £39.99/yr (7-day Pro trial) | 60-day free trial then £2.99/mo or £26.99/yr (no permanent free tier) |
| Free-tier depth (forever) | ✓ Full tax calculator, FIRE, 12-stream retirement income, the default stress test, ISA tracker (6 wrappers), dividend planner, one property with BTL, Budget tab, monthly debrief, 12mo history | ✕ No permanent free tier — trial only |
| Bank linking required | ✕ Manual entry by design | ✕ Manual entry by design (same posture) |
| Import your accounts | ✓ Any CSV of balances or transactions, parsed in your browser with a review step and undo | — |
| Storage / privacy | Encrypted cloud sync (EU-region Supabase) · no bank linking · no ads · cross-device · Touch ID / Face ID sign-in · two-factor authentication · zero-knowledge photo vault (Pro) | Field-level AES encryption in the database · no bank linking · no ads |
| Live investment prices | ✓ Shares, ETFs and crypto priced live by ticker, refreshed in the background between monthly check-ins | ✓ Stocks, ETFs and crypto — live prices update between monthly reviews |
| Investment performance vs a benchmark | ✓ Performance tab — your real time-weighted and money-weighted return with an inflation view (free); Pro adds per-holding returns and the overlay against a global index and a cash baseline | ✕ Live prices with cost basis and gain/loss per holding — no benchmark or index comparison |
| In-depth guides you can listen to | ✓ Pro — 7 Playbooks — long-form UK guides, read or listen, with a scrub player and follow-along (open the day a trial converts) | ✕ No guides or audio content |
| Notes against your numbers | ✓ My Financial Diary — a searchable note against each month, so you know why a figure moved | ✕ Monthly check-in updates balances, but no notes kept against the figures |
| Dashboard layouts | ✓ Default and Minimalist layouts free; Building, Approaching and Retired layouts, drag-and-drop and ten widgets on Pro | ✕ Fixed layout |
| AI-agent integration | ✕ No CLI or Claude Code skill (web app + cross-device sync only) | ✓ Claude Code skill + CLI for natural-language access |
| Spending analytics | ~ Built-in Budget tab with bill categories + savings-rate observations · no transaction-level analytics | ✓ Earning-vs-spending trend, derived from monthly snapshots |
| UK income tax calculator | ✓ 2026/27 · HICBC (on higher earner) · Marriage Allowance · Child Benefit · Scottish bands · £100k 60% taper · Student Loan Plans 1–5 + PG · salary sacrifice | ✕ No tax calculator |
| Tax planning (Pro) | ✓ The Tax tab's Planning view — moves worth checking ranked by what each is worth in pounds (Child Benefit charge escape, Marriage Allowance, Bed & ISA, household pension efficiency), a salary-sacrifice modeller and top-slicing relief | ✕ No tax-optimisation tooling |
| Scenarios — what-if modelling | ✓ Pro — income shock, cost of raising a child (CPAG-anchored), long-term care, one-off shocks and the Budget changes; save and compare | ✕ No what-if scenarios |
| ISA allowance tracker | ✓ All 6 UK wrappers — S&S, Cash, LISA, JISA, IFISA, legacy Help to Buy · per-wrapper limits and remaining allowance | ~ 4 wrappers — Cash, S&S, LISA, IFISA (no JISA or Help to Buy) |
| Retirement income modelling | ✓ 12 stream types — State Pension, DB, SIPP drawdown, annuity, ISA withdrawal, GIA dividends, GIA interest, rental, offshore bond 5%, PAYE salary for phased retirement, other taxable and other tax-free — each with the right UK tax treatment | ✕ Pension balance tracking only — no income modelling or drawdown sequencing |
| Drawdown Planner | ✓ Pro — the Cash flow tab's Drawdown planner: which pot pays each year across pensions, ISAs and savings, the tax including capital gains, how long the money lasts, and up to five named plan variants compared side by side | ✕ No |
| Will it last? | ✓ Headline chance your money lasts is free; Pro shows the 5,000 simulated paths, the median outcome, spending guardrails and retire-later / spend-less / save-more what-ifs, with real UK tax and the State Pension in every path | ✕ No |
| FIRE / Coast FIRE | ✓ Magic number, coast number, accumulation and drawdown charts · portfolio runway in years | ✕ Not modelled |
| Tax-efficient withdrawal ordering | ✓ Withdrawal-ordering panel on the Pension tab showing which pot to draw first; the Drawdown Strategy Lab (Pro) compares ISA-first, pensions-first and, for couples, whose pension first, on lifetime tax and legacy | ✕ No |
| Sequence-of-returns stress test | ✓ Forecast stress test — a −30% crash split across the first two retirement years, then a four-year recovery; free at the default, with crash size, timing, contribution changes, mortgage rates and one-off costs adjustable on Pro | ✕ No |
| Dividend income horizon | ✓ Reinvestment then income phases · projected monthly passive income at any future age · UK £500 dividend allowance modelled | ✕ No (current value of holdings only) |
| Top-slicing relief calculator | ✓ Pro feature — investment-bond surrenders | ✕ No |
| Estate & IHT | ✓ Estate & IHT tab — nil-rate band, residence band, charity rate and the April 2027 pension rule drawn as an estate chart (free); Pro adds lifetime gifts on a 7-year taper clock, who-gets-what wishes and an "if you died today" death-benefit view | ✕ No |
| Property / mortgage tracking | ✓ Multi-property · joint ownership % · monthly mortgage amortisation · deal-expiry alerts · BTL cashflow + gross yield (one property free, unlimited on Pro) | ~ Property valuation + mortgage balance side by side · equity at a glance |
| Collector's Vault (physical-asset photos) | ✓ Encrypted, zero-knowledge vault (Pro) — photos locked on your device, location data stripped | ✕ No |
| JISA (Junior ISA) support | ✓ Per-child tracking · opt-in to net worth (default excluded as legally child's money) | ✕ Not a named wrapper |
| Website-side calculator tools (separate from the app · no sign-up) | ✓ 32 free tools on wealthr.co.uk/tools/ — HICBC, marriage allowance, CGT calculator, stamp duty (SDLT), LBTT Scotland, LTT Wales, pension carry forward, Bed & ISA, CGT tracker, Coast FIRE, FIRE number, IHT on pensions, income shock, long-term care, Monte Carlo retirement, mortgage overpayment vs invest, salary sacrifice, cost of raising a child | ✕ None — single app only |
| Year Review with shareable card | ✓ Personalised end-of-year recap with social-safe (percentages-only) or with-amounts share image | ✕ No |
| Monthly review / debrief | ✓ Automatic debrief on each saved month · comparable-basis change · best-month flag | ✓ Guided 5-minute monthly review flow |
| Adviser share links | ✓ Pro — read-only links showing only the sections you tick; different links for your IFA, accountant or family; revoke any time | ✕ No |
| PDF report exports | ✓ Pro feature · IFA-style across every section | ✕ No |
| Cross-device access | ✓ Sign in on any device · automatic sync | ✓ Web-based · sign in anywhere |
| Couples / household planning | ✓ Partner pensions tagged separately · joint property ownership % | ✕ Single-user |
| Built in | Edinburgh, UK | UK |
What each does well
Where WealthR is stronger
Permanent free tier vs trial-only. WealthR's free tier doesn't expire — net worth tracking, the full UK income tax calculator, the FIRE calculator, the 12-stream retirement income module, the headline Will it last? chance, the default sequence-of-returns stress test, ISA tracking across all six UK wrappers, the dividend income horizon planner, one property with BTL cashflow modelling, pension tracking, the Budget tab and 12 months of history are all free forever. Ledgi is a 60-day free trial then £2.99/mo — no permanent free tier. If you want to track wealth without committing to a subscription, only one of these apps lets you do that indefinitely.
The UK tax engine and planning depth. WealthR includes a full UK income tax calculator covering HICBC (on the higher earner), Marriage Allowance with backdating, Child Benefit, Scottish bands, the £100k personal-allowance taper, Student Loan Plans 1–5 plus Postgraduate and salary sacrifice. On Pro, the Tax tab's Planning view ranks moves worth checking by what each is worth in pounds — escaping the Child Benefit charge, unclaimed Marriage Allowance, Bed & ISA against the CGT allowance, household pension efficiency — alongside a salary-sacrifice modeller and a top-slicing relief calculator. Ledgi tracks ISA allowances and understands the UK tax year for tracking purposes, but doesn't include a tax calculator or any tax-optimisation tooling.
FIRE and retirement modelling. WealthR is built around UK retirement and FIRE specifically — FIRE number calculator, Coast FIRE modelling, depletion analysis with portfolio runway in plain years, the sequence-of-returns stress test (the FIRE community's biggest single risk), the full 12-stream retirement income module with a withdrawal-ordering panel showing which pot to draw first, and on Pro the Drawdown planner and the Drawdown Strategy Lab. Ledgi is positioned as a wealth tracker and doesn't model the FIRE / decumulation question at all.
What-if scenarios and stress testing. The Pro Scenarios tab models a job loss, the cost of raising a child (CPAG-anchored with childcare arrangement options), or a one-off shock against your actual numbers — drag sliders and see runway in months, FIRE-date delay and lifetime cost update live. The Forecast tab's stress-test panel models a market crash at a chosen point, and on Pro opens sliders for contribution changes, mortgage-rate rises and one-off or recurring costs; life events live in Scenarios. Ledgi doesn't include either type of scenario tooling.
Thirty-two free standalone UK calculators on the website. Alongside the main app, wealthr.co.uk/tools/ publishes single-purpose calculators that anyone can use without signing up: HICBC (with pension escape route), Marriage Allowance (with 4-year backdating), CGT calculator 2026 (post-Oct-2024 rates), Stamp Duty SDLT 2026 (post-April-2025 rates, FTB relief, +5% additional-property and +2% non-resident surcharges), LBTT Scotland (8% ADS on whole price), LTT Wales (separate higher residential rates), pension carry forward (3-year lookback, taper + MPAA modes), Bed & ISA, CGT allowance tracker, Coast FIRE, FIRE number, IHT on pensions, income shock, long-term care, Monte Carlo retirement, mortgage overpayment vs invest, salary sacrifice pension, cost of raising a child. These are not app features — they're standalone web tools, but they're part of the same offering on the same domain. Ledgi is a single app and doesn't publish standalone calculators.
Adviser share links + IFA-style PDFs. Generate a read-only share link (Pro) showing only the sections you tick — different links for your IFA, accountant or family, revoked any time — so they can see your plan without you exporting anything. Export an IFA-style PDF report from any section for meetings, mortgage applications or your own records. Ledgi doesn't offer adviser sharing or PDF reports.
Where Ledgi is stronger
Claude Code skill and CLI for AI-agent access. This is Ledgi's clearest differentiator in the UK personal-finance space we've seen — install their CLI or Claude Code skill and you can ask an AI agent “what's my net worth” or “add my Monzo account with £2,500” in natural language, and have it actually update the data. If you're an AI-first user who wants your tracker accessible to an LLM workflow, Ledgi is the right shape.
Live investment prices. Both apps price shares, ETFs and crypto live by ticker, so this is no longer a differentiator; what differs is what sits on top of the prices.
Spending analytics derived from snapshots. Ledgi computes earning-vs-spending trend from your monthly snapshot deltas (this month, last month, average, “wealth growing faster than last month”). It's not a transaction-level budgeting tool but it gives you a directional spending picture from manual data. WealthR has a Budget tab with bill categories and savings-rate observations, but doesn't auto-derive a spending trend from snapshot deltas the way Ledgi does.
Lower headline monthly price. £2.99/mo is meaningfully cheaper than WealthR Pro at £5.99/mo. Annual is £26.99 vs £39.99. If you're choosing between paid plans only, Ledgi is cheaper.
WealthR — pros
- Permanent free tier covering the full planner, not just a trial
- 32 free UK calculators on the website (separate from the app, no sign-up)
- Full UK income tax engine — HICBC, Marriage Allowance, Scotland, £100k trap
- Pro Tax planning view — moves ranked in pounds (HICBC, Marriage Allowance, Bed & ISA), salary-sacrifice modeller, top-slicing relief
- 12-stream retirement income module with a withdrawal-ordering panel
- Drawdown planner (Pro) — which pot pays each year, the tax on the way out, five plan variants side by side
- FIRE / Coast FIRE / depletion modelling with portfolio runway
- ISA tracker for all 6 UK wrappers (vs Ledgi's 4)
- What-if Scenarios (Pro) — income shock, cost of a child, long-term care, the Budget changes
- Will it last? — headline chance free; 5,000 paths, guardrails and what-ifs on Pro
- Sequence-of-returns stress test for retirees / FIRE planners
- Dividend income horizon planner with UK £500 allowance
- BTL cashflow + gross yield for landlords · multi-property + joint ownership
- Couples / household planning — partner pensions, joint property %
- Adviser share links and IFA-style PDF reports (Pro)
- Year Review with shareable social card
- Active development — features ship weekly
WealthR — cons
- No CLI or Claude Code skill for AI-agent access (yet)
- No auto-derived spending-trend analytics (Budget tab exists but is manual entry)
- Pro tier is £5.99/mo vs Ledgi's £2.99/mo
- Subscription model for Pro features
- Cloud sync — data sits in encrypted EU-region storage
Ledgi — pros
- Claude Code skill and CLI — genuine USP for AI-first users
- Live prices across stocks, ETFs and crypto
- Spending analytics — earning vs spending trend
- Lower monthly price (£2.99/mo vs £5.99/mo)
- 60-day free trial — long enough to see two monthly reviews
- Field-level AES encryption in the database
- Clean, focused UX — does fewer things, does them well
- Guided 5-minute monthly review flow
Ledgi — cons
- No permanent free tier — paid after 60 days or you lose access
- No UK income tax calculator at all
- No tax-optimisation tooling (HICBC, Marriage Allowance, Bed & ISA)
- No FIRE / Coast FIRE / depletion modelling
- No retirement income modelling (pension balance tracking only)
- No sequence-of-returns stress test or Will it last? simulation
- No what-if scenarios (income shock, life events)
- No dividend income planning
- ISA tracking is 4 wrappers (no JISA, no Help to Buy)
- No multi-property w/ joint ownership or BTL cashflow
- No couples / household planning
- No adviser share links or PDF reports
- No standalone calculator tools on the website
When to choose which
Choose WealthR if…
- You want a permanent free tier, not just a trial
- You want a full UK income tax calculator built in
- You want a personalised UK tax action plan, not just a calculator
- You're planning FIRE, Coast FIRE or early retirement specifically
- You're approaching or in retirement and want income modelling
- You want to track ISAs across all 6 UK wrappers separately
- You want to model life-event shocks (income loss, kids, rates)
- You're a landlord and need BTL cashflow + yield modelling
- You're a couple planning together — partner pensions, joint property
- You want an IFA-style PDF report or to share with an adviser
- You value continuous development and new UK-specific modules
Choose Ledgi if…
- You want a Claude Code skill or CLI so an AI agent can read / update your finances
- You want a spending-trend signal from your monthly snapshots
- The subscription price tier matters — Ledgi is cheaper paid (£2.99 vs £5.99)
- You want a clean, focused tracker without planner complexity
- You don't need tax modelling, FIRE planning or retirement income depth
- You're happy with a subscription after the 60-day trial
FAQ
What's the headline difference between WealthR and Ledgi?
Is WealthR really free, or just free for a trial like Ledgi?
Ledgi has a Claude Code skill — does WealthR have anything like that?
Which has better live investment prices?
Which has the better UK tax handling?
Which is better for FIRE planning?
Can I use both?
Get started with WealthR, free — permanent free tier, no trial expiry.
The full UK income tax calculator, FIRE calculator, 12-stream retirement income module, the default stress test, the headline Will it last? chance and ISA tracker across all six UK wrappers are all in the free tier. Sign up takes 30 seconds; your data syncs across desktop, iOS and Android.
Get started free → Browse 32 free UK tools