The short answer
Richify and WealthR start from the same complaint — that American money apps do not understand an ISA — and then go in different directions. Richify builds a UK-aware net worth tracker with an AI assistant. WealthR builds a UK tax and retirement engine that happens to track net worth first. The question that separates them is not what you own. It is what you want to know next.
Richify will tell you what your ISA, SIPP, buy-to-let equity and student loan come to in sterling, and compare that with ONS median wealth for your age. WealthR will take the same figures and tell you what the tax is, how long the pot lasts, and the age at which you could stop.
A note on Richify's pricing, checked as of 12 October 2026. Its own pages do not agree. The UK net worth page's comparison table marks Richify as not free and offers a 7-day trial; the US version of the same page calls it "the free US net worth tracker" and marks it free. A separate page on the site quotes Pro at US$9.99 a month or US$99 a year, while the App Store listing shows the app as free with in-app purchases at $39.99 a year and $7.99 a month. Whichever tier applies to you, note the currency: the prices are in US dollars, on a product marketed as built for the UK. WealthR is £5.99/month or £39.99/year, in sterling, with a free tier.
Side by side
| WealthR | Richify | |
|---|---|---|
| What it is for | ✓ Track, then plan — forecast, tax, drawdown, retirement date | ~ Track, then benchmark, with an AI assistant on top |
| Price and currency | ✓ £5.99/month or £39.99/year, billed in sterling | ~ Quoted in US dollars; the site's own pages disagree on the figure |
| UK wrappers | ✓ ISA, LISA, JISA, SIPP, workplace pension, final-salary, Premium Bonds | ✓ ISA, Cash ISA, LISA, SIPP, workplace pension, Premium Bonds |
| Student loan | ✓ Plans 1, 2, 4 and 5 as a repayment against income | ~ Plans 1, 2, 4 and 5 as a balance on the liability side |
| UK income tax and NI | ✓ Full engine: Scottish bands, the £100k taper, the High Income Child Benefit Charge, dividends, CGT | ✗ Not modelled |
| Pension drawdown | ✓ Year by year: which pot pays, the tax on each withdrawal, when it runs out | ✗ Not modelled |
| State Pension and final-salary | ✓ Both, from your NI record and scheme accrual, with tax-free cash | ✗ A pension is a balance |
| Monte Carlo | ✓ 5,000 simulated futures, with guardrails and a single run shown year by year | ✗ Not offered |
| Inheritance tax | ✓ Nil-rate bands, the residence band and its taper | ✗ Not modelled |
| Benchmarking | ~ Against your own plan and your own target, not against other people | ✓ Against ONS median wealth by age |
| AI assistant | ✗ None today | ✓ Core to the product |
| Standalone calculators | ✓ 32 free UK calculators, no sign-up | ✗ None |
| Bank connections | ✗ None, by choice | ✗ None — its own pages make a feature of needing no Open Banking |
| Guided UK content | ✓ 7 Playbooks, plus a Learn section that shows the working behind each figure | ~ Explainer pages per market |
Richify's figures read from its own UK net worth tracker page, its US equivalent and its App Store listing, checked as of 12 October 2026. Pricing and features change — check before you decide.
What each does well
Richify: a clear total, and a yardstick
Richify does the thing most US-built trackers get wrong: it knows what an ISA is. Stocks and Shares, Cash and Lifetime ISAs are separate wrappers with separate treatment, a SIPP and a workplace pension are both pensions, buy-to-let is counted as equity rather than gross value, and a student loan sits on the liability side. All in sterling. For somebody who just wants one honest number, that is most of the job.
Its distinctive feature is the benchmark. Richify compares your total against ONS median wealth for your age, which answers a question people genuinely ask and most trackers ignore. WealthR deliberately does not do this — it compares you against your own plan rather than against other people — so if that comparison is what you are after, Richify has it and WealthR does not.
There is also an AI assistant, which is the centre of the product rather than an add-on. Whether that suits you is a matter of taste.
WealthR: the tax is the hard part, so that is what it builds
Knowing you have £480,000 is the easy half. The hard half is what happens when you start spending it, and that is almost entirely a tax question.
WealthR models the UK rules rather than approximating them. Income tax and National Insurance on their separate bases. Scottish bands where they apply. The personal-allowance taper between £100,000 and £125,140. The High Income Child Benefit Charge. The Personal Savings Allowance and the starting rate for savings. Dividend rates and Capital Gains Tax. In retirement it stacks earned income, then savings, then dividends in the order HMRC actually uses.
On top of that sits a drawdown plan: which pot pays in each year, what the tax costs on each withdrawal, and the age the money runs out. It knows that drawing from an ISA is not income and drawing from a pension mostly is. It models the State Pension from your NI record, final-salary schemes with their accrual and lump sums, and AVCs against the scheme they belong to. It runs 5,000 simulated futures so a plan can be judged on a bad sequence rather than an average one.
And 32 free UK calculators sit outside the app for one-off questions, with no sign-up.
The honest gaps
WealthR has no AI assistant and no benchmarking against other people's wealth. Neither app connects to your bank — Richify makes a feature of needing no Open Banking, and WealthR takes the same view — so with either one you are keeping your own figures current.
And a point worth making plainly: a tracker that tells you where you sit against the ONS median is answering a question about other people. A planner that tells you what tax a £30,000 withdrawal attracts at 62 is answering a question about you. Both are legitimate. They are not the same question, and no amount of feature comparison makes one a substitute for the other.
When to choose which
Choose Richify if
- You want one clear sterling total across ISAs, pensions, property and crypto.
- You want to see how you compare with UK median wealth for your age.
- An AI assistant is something you actively want.
- You are tracking rather than planning, and billing in dollars does not bother you.
Choose WealthR if
- The question is when you can stop working, not what you are worth today.
- You have UK pensions and want them modelled as pensions — relief, tax-free cash, access age, final-salary accrual.
- You want the tax worked out properly rather than estimated.
- You want a drawdown plan, and to see how it holds up in a poor run of years.
- You would rather pay £39.99 a year in sterling than a dollar figure that varies by which page you read.
FAQ
Is Richify free?
Its own pages disagree. The UK net worth tracker page's table marks Richify as not free and offers a 7-day trial; the US version of the same page describes it as free. A separate page quotes US$9.99 a month or US$99 a year, and the App Store listing shows free with in-app purchases at $7.99 a month and $39.99 a year. Check the price in the app before subscribing. Checked as of 12 October 2026.
Is WealthR cheaper?
WealthR is £5.99 a month or £39.99 a year with a free tier. Whether that is cheaper than Richify depends on which Richify price applies and on the exchange rate on the day — which is itself part of the point.
Does either connect to my bank?
Neither. Richify states that no Open Banking is required; WealthR has no bank linking by design. With both, you keep your own figures current.
Which handles UK pensions better?
WealthR. Richify records pension balances, which is right for a tracker. WealthR models contributions and employer top-ups, tax relief at your marginal rate, tax-free cash, the access age, final-salary accrual and what a withdrawal costs in tax once you start taking it.
Can Richify tell me when I can retire?
Not in the sense a planner means. Without an income tax engine, a drawdown model or the State Pension, it cannot say what a withdrawal costs or how long a pot lasts after tax.
Does WealthR benchmark me against other people?
No, and that is deliberate. It measures you against your own plan and your own spending target. If comparing against UK averages is what you want, Richify does it and WealthR does not.