The short answer
Choose WealthR if your question is "will my retirement plan work?" — long-term forecasting, UK retirement income, FIRE, tax-efficient withdrawal ordering, sequence-of-returns stress testing. Free at the core tier, manual-entry, privacy-first.
Choose Snoop if your question is "where can I save money this month?" — Open Banking-driven spending insights, savings tips ("snoops"), bill-switch suggestions, deal alerts. Free tier plus Snoop Plus subscription.
Snoop is brilliant at finding small leaks in current spending. WealthR is built for the long-game decisions: pensions, retirement age, withdrawal order. The two are complementary, not substitutes.
Quick comparison
Side by side
| Feature | WealthR | Snoop |
|---|---|---|
| Free tier | ✓ All core features free forever | ✓ Free tier + paid Snoop Plus |
| Bank linking required | ✕ Manual entry — no Open Banking | ✓ Open Banking is core to the product |
| Primary focus | Long-term planning & retirement income | Day-to-day savings tips & spending insights |
| UK income tax calculator | ✓ Full 2026/27 — HICBC, Marriage Allowance, Scottish bands | ✕ Not included |
| Retirement income modelling | ✓ 11 UK stream types with correct tax treatment | ✕ No |
| Sequence-of-returns stress test | ✓ SoRR scenario (−20%/−10% crash years 1–2 with 7yr recovery curve) | ✕ No |
| Tax-efficient withdrawal ordering | ✓ Yes | ✕ No |
| FIRE / Coast FIRE calculator | ✓ Full FIRE Number + Coast FIRE + depletion modelling | ✕ No |
| Pro Tax Year Optimiser | ✓ HICBC escape · Marriage Allowance scanner with backdating · Move-into-ISA (Bed & ISA) candidates ranked against CGT allowance | ✕ No |
| Scenarios — what-if modelling | ✓ Income shock, cost of raising a child (CPAG-anchored), one-off shocks · runway / FIRE-date delay / lifetime cost · save and compare | ✕ No |
| Financial stress test | ✓ Job loss, mortgage rate rises, childcare, one-off costs · runway / 5yr net worth impact / monthly cash position | ✕ No |
| ISA allowance tracker | ✓ All 6 UK wrappers — S&S, Cash, LISA, JISA, IFISA, legacy Help to Buy | ✕ No |
| Dividend income horizon | ✓ Reinvestment then income phases · UK £500 dividend allowance modelled | ✕ No |
| Property / mortgage tracking | ✓ Multi-property · joint ownership % · monthly mortgage amortisation · deal-expiry alerts · BTL cashflow + gross yield | ✕ No |
| JISA (Junior ISA) support | ✓ Per-child tracking · opt-in to net worth | ✕ No |
| Year Review with shareable card | ✓ Personalised end-of-year recap · social-safe (percentages-only) or with-amounts share image | ✕ No |
| Monthly debrief | ✓ Automatic debrief on each saved month · comparable-basis change · best-month flag | ✕ No |
| Couples / household planning | ✓ Partner pensions tagged separately · joint property ownership % | ✕ Single-user |
| Adviser share links | ✓ Pro feature · read-only · revokable | ✕ No |
| Website-side calculator tools (separate from the app · no sign-up) | ✓ 19 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 |
| Savings tips & deal alerts | ✕ Not the focus | ✓ Core feature ("snoops") |
| Bill-switch recommendations | ✕ No | ✓ Yes — energy, broadband, mobile |
| Transaction categorisation | ✕ No transaction view (manual monthly totals only) | ✓ Automatic via Open Banking |
| Budgeting tab | ✓ Built-in Budget tab — bill categories (housing, utilities, subscriptions etc.), take-home calc, savings-rate observations, FIRE-date link | ~ Spending overview via Open Banking — not a goal-based budgeting tool by design |
| Automatic balance updates | ✕ Manual monthly entry (~2 min) | ✓ Via Open Banking |
| Privacy / data handling | ✓ No bank linking, no ads, no data selling | ~ Bank-linked, ad-free, owned by Vanquis Banking Group |
| PDF report exports | ✓ Pro feature — IFA-style report | ✕ No |
| Mobile app | ✓ iOS & Android (PWA) | ✓ Native iOS & Android |
| Target user | UK retirees, approaching-retirement, FIRE planners | Active savers managing day-to-day money |
| Pricing (consumer) | Free; Pro £4.99/mo or £39.99/yr | Free + paid Snoop Plus — verify on snoop.app |
Honest assessment
What each does well
Where WealthR is stronger
WealthR is built for the questions money apps don't usually answer: when can I afford to retire, will my pot last to 90, how do I draw it down without overpaying tax, and what happens to my plan if markets crash early in retirement. The retirement income module models 11 stream types with correct UK tax treatment. The Forecast tab includes a sequence-of-returns stress test — a −20%/−10% portfolio crash in retirement years 1–2 with a 7-year recovery curve. The Pension tab shows a recommended withdrawal sequence. Snoop doesn't do any of this — it isn't trying to.
WealthR also includes a full UK income tax calculator (2026/27 bands, HICBC, Marriage Allowance, Scottish rates, Student Loan Plans 1–5+PG). For higher earners in the £100k–£125k taper zone or the HICBC £60k–£80k window, this alone can be worth the time.
Where Snoop is stronger
Snoop is excellent at finding small leaks in current spending. The Open Banking integration means it sees every transaction across your accounts and surfaces patterns — overpaying on broadband, a streaming subscription you forgot about, a better tariff for your energy. The "snoops" feature is genuinely useful for the "I should save more but can't see where" problem. The UX is friendly and approachable.
If your money problem is "I never know where £200 a month is going", Snoop will tell you within a week. WealthR won't — that's just not the question it's built to answer.
WealthR — pros
- Free at the core tier with no expiry — full planner, not a teaser
- 19 free standalone UK calculators on the website (no sign-up)
- Built specifically for UK retirement, FIRE, decumulation
- Full UK income tax calculator (2026/27, HICBC, Scotland, £100k trap)
- Pro Tax Year Optimiser — personalised HICBC / Marriage / Bed & ISA action plan
- 11-stream retirement income module with tax-efficient withdrawal ordering
- ISA tracker for all 6 UK wrappers
- Sequence-of-returns stress test (FIRE community's biggest risk)
- Financial stress test — job loss, rate rises, life events
- What-if Scenarios — income shock, child cost, runway delay
- Dividend income horizon with UK £500 allowance
- BTL cashflow + gross yield · multi-property + joint ownership
- Couples / household planning — partner pensions, joint property
- Year Review with shareable social card
- Adviser share links and IFA-style PDF reports (Pro)
- No bank linking, no data sold
- One subscription covers your whole household
WealthR — cons
- Manual entry — about two minutes a month
- No spending insights or savings tips
- Doesn't find bill-switch opportunities
- Not regulated — planning aid, not advice
- Created 2026 — smaller user base than Snoop
Snoop — pros
- Free tier covers a lot
- Excellent at surfacing savings opportunities
- Bill-switch suggestions (energy, broadband, mobile)
- Friendly UX targeted at everyday spenders
- Backed by Vanquis Banking Group — UK-regulated
Snoop — cons
- Requires Open Banking — bank-link dependency
- No UK income tax calculator built in
- No retirement income modelling
- No FIRE / Coast FIRE / depletion modelling
- No sequence-of-returns or financial stress tests
- No Pro Tax Year Optimiser (HICBC, Marriage Allowance, Bed & ISA)
- No what-if Scenarios for life events
- No ISA tracker across all 6 UK wrappers
- No dividend income horizon planner
- No multi-property with joint ownership or BTL cashflow
- No couples / household planning view
- No JISA support
- No adviser share links or PDF reports
- No standalone calculator tools on the website
- Focused on near-term spending, not long-term wealth
Decision framework
When to choose which
Choose WealthR if…
- You're 5–20 years from UK retirement
- You're already retired and managing decumulation
- You want a free UK income tax calculator built in
- You're planning FIRE / early retirement
- You don't want to link your bank accounts
- You want a household plan, not just spending insight
- You want to know if your pot will last
Choose Snoop if…
- Your priority is reducing day-to-day spending
- You want automatic savings tips and bill switches
- You want to see all your bank balances in one place
- You're comfortable with Open Banking
- You're early in your financial life and building habits
- You're not yet thinking about retirement planning
Frequently asked
FAQ
Can I use WealthR and Snoop together?
Yes — many users do. Snoop monitors current-month spending via Open Banking and surfaces savings opportunities. WealthR holds the long-horizon plan: retirement income, FIRE projection, UK tax modelling and household net worth tracking. They sit at opposite ends of the time horizon and don't conflict.
Is WealthR really free like Snoop is?
Yes — the core tier is free forever, with no credit card required and no expiry. It includes the UK income tax calculator, FIRE calculator, retirement income module, net worth tracker, sequence-of-returns stress test, withdrawal-ordering panel and all the basic features. WealthR Pro (£4.99/mo or £39.99/yr) unlocks PDF reports, adviser share links, the top-slicing relief calculator and the Tax Year Optimiser. Snoop has a similar free + paid split (Snoop Plus) — check snoop.app for current pricing.
Why doesn't WealthR find savings opportunities like Snoop does?
Because WealthR doesn't see your transactions. It's manual-entry by design — you tell it your monthly totals, not every coffee. That gives you privacy and avoids the broken-connection problem of Open Banking, but it also means WealthR can't spot a recurring £9.99 subscription you forgot about. For that specific job, Snoop is the right tool.
Does WealthR work for UK retirees the way Snoop works for savers?
Yes — WealthR is built specifically for UK retirees and approaching-retirement users. On first launch, onboarding asks "Are you working / approaching retirement / already retired?" and the entire app adapts. Retired users get the retirement income module (11 UK stream types with correct tax treatment), withdrawal-order recommendations, sequence-of-returns stress testing, and a portfolio runway calculator.
Is WealthR FCA-regulated like Snoop is?
No — WealthR is not FCA-regulated and doesn't give personal financial advice. It's a planning tool. The output is informational only. For specific decisions (large pension transfers, complex tax situations, IHT planning above the nil-rate band), users should still consult a qualified IFA. WealthR's adviser share link feature is built exactly for this hand-off.
Try WealthR for free, see if it fits.
Free forever at the core tier. No bank linking. No credit card. The full retirement income module, FIRE calculator, UK tax calculator and sequence-of-returns stress test are all in the free tier.
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Disclaimer. This comparison reflects publicly available information from snoop.app as of 23 May 2026. Features, pricing and plan tiers may have changed since — always verify current details on the official Snoop website before making a decision. WealthR is a planning aid, not regulated financial advice. Snoop is a third-party product and trademark of Snoop Finance Ltd / Vanquis Banking Group, referenced here under nominative fair use for objective comparison purposes only. WealthR is not affiliated with, endorsed by, or partnered with Snoop. Spotted something inaccurate? Email hello@wealthr.co.uk and we'll review and update promptly.