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Honest UK app comparison · Updated July 2026

WealthR vs Moneybox: UK wealth planner vs savings & investing app.

This is the least head-to-head comparison in our series, and it's worth being honest about that up front. Moneybox holds and invests your money — round-ups, cash savings, ISAs, Lifetime ISAs, a pension with old-pension consolidation. WealthR tracks and models money you hold elsewhere — total net worth, UK tax, retirement income, FIRE, stress tests — and never touches your accounts. One is a place your money lives; the other is the plan for all of it. Here's the fair, specific read.

The short answer

Choose WealthR if your question is “am I on track — across everything I own?” — one net worth picture across every provider, full UK income tax calculator (HICBC, Marriage Allowance, Scottish bands, £100k 60% trap), 11-stream retirement income module, FIRE / Coast FIRE / depletion modelling, sequence-of-returns and financial stress tests, ISA allowance tracking across all six UK wrappers, BTL cashflow, adviser share links and IFA-style PDF reports. Permanent free tier, manual entry, no bank linking — and it doesn't hold your money.

Choose Moneybox if your question is “where should this month's savings actually go?” — an FCA-regulated platform that holds the products: cash savings (including notice and fixed accounts), Cash and Stocks & Shares ISAs, Cash and Stocks & Shares Lifetime ISAs with the 25% government bonus, Junior ISA, GIA, and a personal pension with old-pension consolidation. Round-ups and recurring deposits automate the habit. 1m+ customers.

The honest framing: these products barely compete. Moneybox is where some of your money lives; WealthR is the planning layer over all of it — including your Moneybox accounts. Plenty of UK users run exactly that pairing.

Quick comparison

Side by side

Feature WealthR Moneybox
Primary purposeWealth tracker & financial planner — tracks and models money held anywhereSavings & investing platform — holds your money in its own products
Holds your money✕ Never — not a bank, broker or custodian✓ Yes — FCA-regulated platform; FSCS protection per product terms
Platform✓ Web app · iOS & Android PWA · desktop, tablet, any phone✓ iOS · Android app
Pricing modelPermanent free tier · Pro £5.99/mo or £49.99/yr (7-day Pro trial)Investment accounts: £1/mo subscription + 0.45%/yr platform fee + fund fees from 0.12% (verified July 2026) · cash savings products without the subscription
Net worth tracking✓ Free tier — everything you own, every provider, monthly debrief, 12mo history~ Shows your Moneybox balances only — not holdings elsewhere
Round-ups & automated saving✕ No — WealthR doesn't move money✓ Signature feature — round-ups, weekly deposits, payday boosts
Cash savings products✕ Tracks them, doesn't provide them✓ Cash ISA, simple saver, 32/90/95-day notice, 1-year fixed
Lifetime ISA (25% bonus)✕ Models the plan around a LISA held elsewhere✓ Cash LISA and Stocks & Shares LISA — one of the UK's best-known LISA providers
Pension product & consolidation✕ Tracks all your pensions; doesn't provide one✓ Personal pension + finds and combines old workplace pensions
Direct investing in-app✕ Track holdings, not buy them✓ S&S ISA, LISA, JISA, GIA — tracker funds and themed ranges
Bank linking / Open Banking✕ Manual entry by design~ Connects to your bank to fund deposits/round-ups — not an account-aggregation view
UK income tax calculator✓ 2026/27 · HICBC (higher earner) · Marriage Allowance · Child Benefit · Scottish bands · £100k 60% taper · Student Loan Plans 1–5 + PG · salary sacrifice✕ No income tax calculator
Pro Tax Year Optimiser✓ HICBC escape plan · Marriage Allowance scanner · Move-into-ISA (Bed & ISA) candidates ranked against CGT allowance✕ No tax-optimisation tooling
Retirement income modelling✓ 11 stream types with correct UK tax treatment + tax-efficient withdrawal ordering~ Pension product with projections — doesn't model income across all your wrappers and providers
FIRE / Coast FIRE✓ Magic number, coast number, accumulation and drawdown charts · portfolio runway✕ No
Stress tests & what-if scenarios✓ Sequence-of-returns crash test · job loss, rate rises, childcare, one-off shocks✕ No
ISA allowance tracker✓ All 6 UK wrappers, across every provider you use~ Tracks contributions within Moneybox products only
Property / mortgage tracking✓ Multi-property · joint ownership % · amortisation · deal-expiry alerts · BTL cashflow + yield✕ No (home-buying content and LISA, not property tracking)
Couples / household planning✓ Household view · partner pensions · joint property ownership %✕ Individual accounts
Adviser share links + PDF reports✓ Pro — read-only share links · IFA-style PDF reports✕ No
Website-side calculator tools (separate from the app · no sign-up)✓ 23 free tools on wealthr.co.uk/tools/ — including Coast FIRE, FIRE number, dividend tax 2026/27, cash ISA limit 2027, IHT on pensions 2027, Bed & ISA, salary sacrifice and Monte Carlo retirement~ Learn hub articles and in-app calculators — not standalone web tools
User base / brand maturityCreated 2026 · Edinburgh, UK · active weekly development1m+ customers · founded 2015 · FCA-regulated (Digital Moneybox Ltd)
Built inEdinburgh, UKLondon, UK
Honest assessment

What each does well

Where WealthR is stronger

The whole picture, not one provider's slice. Moneybox shows you your Moneybox balances. Most people's wealth is spread across a workplace pension, an old SIPP, a platform ISA, cash at a bank, a home and maybe a BTL — WealthR's job is exactly that totality: one net worth, one household view, one plan. If your money lives in more than one place (it almost certainly does), only one of these apps can see all of it.

UK tax depth. Moneybox doesn't do tax. WealthR includes a full 2026/27 income tax engine (HICBC on the higher earner, Marriage Allowance with backdating, Scottish bands, the £100k taper, Student Loan Plans 1–5 plus PG, salary sacrifice), a dividend and CGT view of unwrapped holdings, and the Pro Tax Year Optimiser that turns your data into a personalised action plan.

Retirement and FIRE modelling across everything. Moneybox's pension is a product with projections. WealthR models the retirement itself — 11 income stream types with correct UK tax per source, tax-efficient withdrawal ordering, FIRE / Coast FIRE numbers, depletion analysis and the sequence-of-returns stress test — across every wrapper you hold, wherever it's held. Try the free Coast FIRE calculator for a taste.

Property, couples and adviser-ready outputs. Multi-property with joint ownership and BTL cashflow, household planning with partner pensions, and Pro share links plus IFA-style PDF reports. None of this exists in a savings app — it's planner territory.

It's free to start, and it never holds your money. The net worth tracker and the planning engine's core are in the permanent free tier, and because WealthR is not a custodian there's no platform fee percentage quietly compounding against your balance.

Where Moneybox is stronger

It actually does the saving. WealthR will tell you your savings rate; Moneybox will move the money — round-ups on your card spending, weekly deposits, payday boosts. For building the habit from zero, automation beats observation, and Moneybox's automation is the best-known in the UK.

The Lifetime ISA. If you're under 40 and saving for a first home, the LISA's 25% government bonus is the single best deal in UK saving, and Moneybox is one of the UK's best-known LISA providers with both Cash and Stocks & Shares versions. WealthR can model the plan around a LISA, but it can't hold one.

Pension consolidation. Moneybox's find-and-combine service for old workplace pensions solves a real, boring, universal problem — most people have at least one lost pension. (Once consolidated, WealthR is where the combined pot joins the rest of your plan.)

Cash savings range. Notice accounts, a fixed-rate account and Cash ISAs, in-app, with competitive rates — a genuine home for emergency funds and short-horizon money. WealthR tracks cash; it doesn't pay interest on it.

Scale and track record. Founded 2015, over a million customers, FCA-regulated as a platform. WealthR is a younger product from a smaller team (though it isn't holding your money, which changes what track record needs to mean).

WealthR — pros

  • One net worth picture across every provider — including Moneybox
  • Full UK income tax engine — HICBC, Marriage, Scotland, £100k trap
  • Pro Tax Year Optimiser — personalised tax action plan
  • 11-stream retirement income module + withdrawal ordering
  • FIRE / Coast FIRE / depletion with portfolio runway
  • Sequence-of-returns + financial stress tests, what-if scenarios
  • ISA allowance tracking across all 6 wrappers, all providers
  • Multi-property, BTL cashflow, household/couples planning
  • Adviser share links + IFA-style PDF reports (Pro)
  • 23 free standalone UK calculators on the website
  • Permanent free tier · no platform fee % on your wealth

WealthR — cons

  • Doesn't hold, move or invest money — tracking and planning only
  • No round-ups or automated saving
  • No savings products, LISA or pension of its own
  • Manual entry (~2 mins/month) rather than automatic feeds
  • Created 2026 — smaller user base than Moneybox's 1m+

Moneybox — pros

  • Round-ups + recurring deposits — automation that builds the habit
  • Cash and S&S Lifetime ISAs with the 25% government bonus
  • Pension with old-pension find-and-combine consolidation
  • Cash savings range — notice, fixed, Cash ISA
  • S&S ISA / JISA / GIA with simple fund ranges
  • 1m+ customers · founded 2015 · FCA-regulated
  • FSCS protection per product terms

Moneybox — cons

  • Sees only your Moneybox balances — no whole-wealth view
  • Investment accounts: £1/mo + 0.45%/yr platform fee + fund fees
  • No UK income tax calculator or tax-optimisation tooling
  • No FIRE / Coast FIRE / depletion modelling
  • No cross-provider retirement income modelling or stress tests
  • No property/BTL, household or adviser-ready outputs
  • No web app — mobile only
Decision framework

When to choose which (or use both)

Choose WealthR if…

  • Your money is spread across more than one provider
  • You want a free net worth tracker without a subscription
  • You want UK tax modelled properly — HICBC, taper, Scotland
  • You're planning FIRE, Coast FIRE or early retirement
  • You're approaching retirement and want income modelling
  • You're a landlord or planning as a couple/household
  • You want adviser-ready outputs (share links, PDF reports)
  • You don't want another platform holding your money

Choose Moneybox if…

  • You're building the savings habit from scratch — automation wins
  • You're under 40 saving for a first home — the LISA bonus
  • You want to find and combine old workplace pensions
  • You want cash savings with competitive rates, in-app
  • You want simple in-app investing without picking a platform
  • You value an established brand with 1m+ customers

💡 Or — genuinely — use both. Moneybox moves and holds the money: round-ups, LISA bonus, consolidated pension. WealthR is the layer above: every account from every provider in one net worth, UK tax, retirement income, FIRE and stress tests. This is the most complementary pairing in our comparison series.

Frequently asked

FAQ

Are WealthR and Moneybox competitors or do they do different jobs?
Different jobs — arguably the least overlapping pair in this series. Moneybox is a savings and investing platform: it holds your money in its products (cash savings, ISAs, Cash and S&S Lifetime ISAs, JISA, GIA, a personal pension with consolidation), with round-ups and recurring deposits automating the habit. WealthR is a wealth tracker and planner: it holds nothing — it tracks everything you own across every provider (including Moneybox) and models the plan: UK tax, retirement income, FIRE, stress tests. Moneybox answers “where should this month's savings go?”; WealthR answers “where is all of it going, and am I on track?”
Does WealthR hold or invest my money like Moneybox does?
No. WealthR is not a bank, broker or custodian — you can't deposit money into it and it never touches your accounts. It's the tracking and planning layer over money held elsewhere. Moneybox is the opposite: an FCA-regulated platform where savings and investments actually sit, with FSCS protection applying per its product terms.
Can WealthR track my Moneybox accounts?
Yes — a common pairing. Enter your Moneybox S&S ISA, Cash ISA, LISA or pension like any other holding (manual entry, updated in minutes each month). WealthR counts it in your net worth, ISA allowance tracking across all six wrappers, retirement modelling and FIRE numbers — alongside everything held with other providers.
Which is better for a Lifetime ISA and buying a first home?
For holding the LISA and collecting the 25% government bonus: Moneybox — one of the UK's best-known LISA providers, Cash and S&S versions. WealthR doesn't sell one; it models the plan around it — deposit timeline, how the LISA sits with your other savings, what the purchase does to your net worth. Hold it at Moneybox, plan it in WealthR.
Which is better for retirement planning?
Different halves. Moneybox provides the pension (plus genuinely useful old-pension consolidation). WealthR models the retirement: 11 income streams with correct UK tax per source, withdrawal ordering, FIRE / Coast FIRE numbers, depletion and sequence-of-returns stress tests — across all pensions and wrappers wherever held.
Can I use both Moneybox and WealthR?
Yes — the most natural pairing in this series. Moneybox automates the saving and holds the products; WealthR sits above as the planning layer: total net worth, UK tax, retirement income, FIRE, stress tests. One moves the money; the other tells you whether the whole plan is working.

Try WealthR free — see all your money in one place, including your Moneybox accounts.

The net worth tracker, full UK income tax calculator, FIRE calculator, retirement income module and stress tests are all in the permanent free tier. Sign up takes 30 seconds; your data syncs across desktop, iOS and Android.

Try WealthR free → Browse 23 free UK tools
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Disclaimer. This comparison reflects publicly available information from moneyboxapp.com as of 4 July 2026 (investment-account fees — £1/mo subscription, 0.45%/yr platform fee, fund fees from 0.12% — verified on their Stocks & Shares ISA page that day). Features, pricing, rates and plan structures may have changed since — always verify current details on the official Moneybox website before making a decision, and check FSCS protection per product. WealthR is a planning aid, not regulated financial advice. Moneybox is a third-party product and trademark of Digital Moneybox Limited, referenced here under nominative fair use for objective comparison purposes only. WealthR is not affiliated with, endorsed by, or partnered with Moneybox. Spotted something inaccurate? Email hello@wealthr.co.uk and we'll review and update promptly.