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), an 11-stream retirement income module, FIRE / Coast FIRE / depletion modelling, sequence-of-returns and financial stress tests, ISA tracking across all six UK wrappers, dividend income horizon planning, BTL cashflow, adviser share links and PDF reports. Separately from the app, wealthr.co.uk/tools/ publishes eleven free standalone UK calculators.
Choose Ledgi if you want a clean, focused tracker with live investment prices across stocks, ETFs and crypto, 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 £4.99/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, retirement income, stress tests, ISA tracker (6 wrappers), dividend planner, BTL, monthly debrief, 12mo history | ✕ No permanent free tier — trial only |
| Bank linking required | ✕ Manual entry by design | ✕ Manual entry by design (same posture) |
| Storage / privacy | Encrypted cloud sync (UK-region Supabase) · no bank linking · no ads · cross-device | Field-level AES encryption in the database · no bank linking · no ads |
| Live investment prices | ~ Live crypto prices (free tier) · stock/ETF holdings tracked by value | ✓ Stocks, ETFs and crypto — live prices update between monthly reviews |
| 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 |
| Pro Tax Year Optimiser | ✓ HICBC escape plan, Marriage Allowance scanner with backdating, Move-into-ISA (Bed & ISA) candidates ranked against CGT allowance | ✕ No tax-optimisation tooling |
| Scenarios — what-if modelling | ✓ Income shock, cost of raising a child (CPAG-anchored), one-off shocks · runway / FIRE-date delay / lifetime cost live · 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 | ✓ 11 stream types — State Pension, DB, SIPP UFPLS, SIPP drawdown, annuity, ISA withdrawal, GIA dividends, GIA interest, rental, offshore bond 5%, other taxable/tax-free | ✕ Pension balance tracking only — no income modelling or drawdown sequencing |
| FIRE / Coast FIRE | ✓ Magic number, coast number, accumulation and drawdown charts · portfolio runway in years | ✕ Not modelled |
| Tax-efficient withdrawal ordering | ✓ Cash → GIA → SIPP UFPLS → ISA → SIPP marginal | ✕ No |
| Sequence-of-returns stress test | ✓ SoRR scenario (−20%/−10% crash years 1–2 with 7yr recovery curve) | ✕ No |
| Financial stress test | ✓ Job loss, mortgage rate rises, childcare, one-off costs · runway / net worth impact / monthly cash position | ✕ 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 |
| IHT estate projection | ✓ Standalone IHT-on-pensions calculator + post-April-2027 pension IHT rules modelled in app | ✕ No |
| Property / mortgage tracking | ✓ Multi-property · joint ownership % · monthly mortgage amortisation · deal-expiry alerts · BTL cashflow + gross yield | ~ Property valuation + mortgage balance side by side · equity at a glance |
| 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) | ✓ 11 free tools on wealthr.co.uk/tools/ — 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 feature · read-only · revokable | ✕ 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 11-stream retirement income module, the sequence-of-returns stress test, the financial stress test, ISA tracking across all six UK wrappers, the dividend income horizon planner, BTL cashflow modelling, pension tracking 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. The Pro Tax Year Optimiser turns your data into a personalised tax action plan — HICBC escape strategy, Marriage Allowance scanner, a ranked list of Move-into-ISA (Bed & ISA) candidates against your CGT allowance. 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 11-stream retirement income module with tax-efficient withdrawal ordering. 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 Financial Stress Test models mortgage rate rises, income loss, childcare or one-off costs with 5-year net worth impact and monthly cash position. Ledgi doesn't include either type of scenario tooling.
Eleven 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: 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 adviser link so your IFA or accountant 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 across stocks, ETFs and crypto. Ledgi fetches live market data so your portfolio value updates between monthly reviews. WealthR has live crypto prices in the free tier but doesn't fetch live stock or ETF prices on the same path — investment values are entered at your monthly check-in.
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 £4.99/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
- 11 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 Year Optimiser — personalised HICBC / Marriage / Bed & ISA action plan
- 11-stream retirement income module with tax-efficient withdrawal ordering
- FIRE / Coast FIRE / depletion modelling with portfolio runway
- ISA tracker for all 6 UK wrappers (vs Ledgi's 4)
- What-if Scenarios — income shock, life events, runway delay
- Financial stress test (job loss, mortgage rates, childcare)
- 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)
- Live prices for crypto only, not stocks / ETFs on the same path
- No auto-derived spending-trend analytics (Budget tab exists but is manual entry)
- Pro tier is £4.99/mo vs Ledgi's £2.99/mo
- Subscription model for Pro features
- Cloud sync — data sits in encrypted UK-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 £4.99/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 or financial stress testing
- 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 live prices across stocks, ETFs and crypto in your holdings view
- You want a spending-trend signal from your monthly snapshots
- The subscription price tier matters — Ledgi is cheaper paid (£2.99 vs £4.99)
- 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?
Try WealthR free — permanent free tier, no trial expiry.
The full UK income tax calculator, FIRE calculator, 11-stream retirement income module, stress tests 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.
Try WealthR free → Browse 11 free UK tools