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 | ✓ Net worth, forecasts, debt, retirement, dividends, tax calculator and budget free forever; Pro for the planning suite | ✓ Free tier + paid Snoop Plus |
| Bank linking required | ✕ Manual entry — no Open Banking | ✓ Open Banking is core to the product |
| Import your accounts | ✓ Any CSV of balances or transactions, parsed in your browser with a review step and undo | — |
| 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 | ✓ 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 | ✕ No |
| 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? (Monte Carlo) | ✓ 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 |
| 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 |
| Tax-efficient withdrawal ordering | ✓ A panel on the Pension tab showing which pot to draw first | ✕ No |
| FIRE / Coast FIRE calculator | ✓ Full FIRE Number + Coast FIRE + depletion modelling | ✕ No |
| 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 |
| 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 |
| 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 |
| 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 (one property free, unlimited on Pro) | ✕ No |
| 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 | ✕ 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 |
| Dashboard layouts | ✓ Default and Minimalist layouts free; Building, Approaching and Retired layouts, drag-and-drop and ten widgets on Pro | ✕ Fixed layout |
| Couples / household planning | ✓ Partner pensions tagged separately · joint property ownership % | ✕ Single-user |
| 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 |
| 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, pension annual allowance, Additional Dwelling Supplement (Scotland) | ✕ None |
| WealthR Live | ✓ /live/ — a feed of UK money changes (the Budget, ISA changes, pension IHT, Bank Rate) with a calculator for each | ~ Deal alerts, not policy changes |
| 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 |
| Sign-in security | ✓ Touch ID / Face ID sign-in, two-factor authentication, encrypted EU-region sync, no bank linking | — |
| 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 |
| 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 | ✕ No investment tracking at all — spending, bills and switching |
| 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) | ✕ Money tips and deal alerts, but no long-form guides with audio |
| Notes against your numbers | ✓ My Financial Diary — a searchable note against each month, so you know why a figure moved | ✕ No |
| Pricing (consumer) | Free; Pro £5.99/mo or £39.99/yr | Free; Snoop Plus £5.99/mo or £47.99/yr |
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 12 stream types with correct UK tax treatment. The Forecast tab includes a sequence-of-returns stress test — a −30% crash split across the first two retirement years, then a four-year recovery — free at the default, with the crash size, timing and other sliders on Pro. The Pension tab has a withdrawal-ordering panel showing which pot to draw first, Will it last? gives the headline chance your money lasts, and Pro adds the Drawdown planner and the Strategy Lab. 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
- 32 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 planning view — moves ranked in pounds, salary-sacrifice modeller, top-slicing relief
- 12-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)
- Pro stress-test sliders and Scenarios — 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 retirement stress test or life-event scenarios
- No tax planning view (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. The free tier includes the net worth tracker, the full UK income tax calculator, the FIRE and Coast FIRE calculators, 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 cash flow, pension tracking, the Budget tab and 12 months of history. WealthR Pro (£5.99/mo or £39.99/yr, 7-day trial) unlocks Scenarios, the Tax tab's Planning view (moves ranked in pounds, the salary-sacrifice modeller, top-slicing relief), the Estate & IHT gifts, wishes and death-benefit view, the retirement suite (the Drawdown planner, the Will it last? paths and what-ifs, the Strategy Lab, the readiness score), Performance benchmarks, dashboard layouts and widgets, adviser and family share links, PDF reports, the Collector's Vault, the seven Playbooks, and unlimited properties, assets, children and history. 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 for UK retirees and approaching-retirement users. The welcome setup asks for your life stage — building, planning early retirement, approaching retirement, or retired — and the app adapts, including a Retired dashboard layout. Retired users get the 12-stream retirement income module, the withdrawal-order panel, Will it last? (headline chance free), and on Pro the Drawdown planner and Strategy Lab.
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 the default 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.