The short answer
Choose WealthR if you want a free, web-based UK planner that works on desktop, tablet and any phone. The free tier covers the full UK tax calculator (HICBC, Marriage Allowance, Scottish bands, the £100k 60% trap), a 12-stream retirement income module, the headline Will it last? chance, FIRE / Coast FIRE / depletion modelling, ISA allowance tracking across all six UK wrappers, a dividend income horizon planner, the default sequence-of-returns stress test, one property with BTL cashflow modelling, the Budget tab and the monthly debrief. Separately from the app, the wealthr.co.uk site also publishes 32 standalone free UK calculators that don't require sign-up (including dedicated SDLT, LBTT-Scotland, LTT-Wales, Marriage Allowance, Capital Gains Tax 2026 and HICBC landing pages).
Choose WealthView if you specifically want a native iOS app, prefer a one-time payment over a subscription, and want your data to never leave your iPhone — including no account creation and no cloud sync. The trade-off is Apple-only (Android coming soon), no desktop access, and a more limited free tier.
The two apps overlap on net worth tracking and basic retirement planning. Beyond that they diverge sharply — WealthR has broader UK-specific modelling and a deeper free tier; WealthView has the native iOS posture and the local-only privacy model.
Side by side
| Feature | WealthR | WealthView |
|---|---|---|
| Platform | ✓ Web app · iOS & Android PWA · desktop, tablet, any phone | ~ Apple platforms only — iPhone, iPad, Mac (M1+), Vision · Android “coming soon” |
| Pricing model | Free core · Pro £5.99/mo or £39.99/yr (7-day free trial) | Free trial · £7.99 one-time unlock · Couple Mode +£6.99 |
| Free-tier depth | ✓ Full tax calculator, FIRE calc, 12-stream retirement income module, default stress test, dividend planner, ISA tracker, one property with BTL modelling, Budget tab, monthly debrief, 12mo history | ~ Net worth + readiness score + basic tax · Modeller / Stress Test / IHT / CGT all behind unlock |
| Storage model | Encrypted cloud sync (UK-region Supabase) · accessible on every device · Touch ID / Face ID sign-in · two-factor authentication · zero-knowledge photo vault (Pro) | ✓ Strictly local on your iPhone · no servers · single device |
| 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 · England, Wales, NI & Scotland | ~ Income tax · NI · pension allowance · Scotland · salary sacrifice |
| 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 |
| 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 | ~ Net Worth Modeller (what-if rate / contribution / one-off injections) |
| ISA allowance tracker | ✓ All 6 UK wrappers — Stocks & Shares, Cash, LISA, JISA, IFISA, legacy Help to Buy · per-wrapper limits and remaining allowance | ~ Single ISA deposit tracking · no per-wrapper split |
| 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 | ~ DC + DB · State Pension · 25% lump sum slider · year-by-year breakdown |
| 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 | ~ Retirement modeller, but not a dedicated cross-pot drawdown planner |
| Pension breakdown | ✓ Workplace DC, SIPP, LISA, DB tracked separately and totalled together · tax relief per pot | ~ DC + DB |
| State Pension projection | ✓ From your NI qualifying years · triple-lock-keyed rate table | ~ Manual entry from your forecast |
| FIRE / Coast FIRE | ✓ Magic number, coast number, accumulation and drawdown charts · portfolio runway in plain years | ✕ Not a specific focus |
| Tax-efficient withdrawal ordering | ✓ A panel on the Pension tab showing which pot to draw first, across every wrapper | ✕ Not modelled |
| 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 | ~ 4-scenario stress test (longevity, low growth, market crash, care costs) |
| 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 simulated paths — a readiness score and the four-scenario stress test instead |
| Dividend income horizon | ✓ Model reinvestment then income phases · projected monthly passive income at any future age · UK £500/yr dividend allowance baked in | ✕ No |
| Top-slicing relief calculator | ✓ Pro feature — investment-bond surrenders | ✕ 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 | ✓ Estate to age 85 · NRB · RNRB · spouse toggle (Premium) |
| CGT awareness | ✓ Standalone CGT allowance tracker + Bed & ISA calculator | ~ CGT awareness for non-ISA investments (Premium) |
| 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 | ✕ Net worth charts and a Net Worth Modeller — no per-holding return or benchmark comparison |
| 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) | ✕ No long-form guides or audio content |
| Notes against your numbers | ✓ My Financial Diary — a searchable note against each month, so you know why a figure moved | ✕ No |
| Collector's Vault (physical-asset photos) | ✓ Encrypted, zero-knowledge photo vault (Pro) — locked on your device before upload, syncs across devices, location data stripped | ✕ On-device storage, but no encrypted photo vault for assets |
| Property / mortgage tracking | ✓ Multi-property · joint ownership % · monthly mortgage amortisation · deal-expiry alerts · BTL cashflow + gross yield (one property free, unlimited on Pro) | ~ Property + mortgage as net-worth line items |
| JISA (Junior ISA) support | ✓ Per-child tracking · opt-in to net worth (default excluded as legally child's money) | ✕ Not a named category |
| 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 | ✕ None — single iOS app only |
| Year Review with shareable card | ✓ Personalised end-of-year recap with social-safe (percentages-only) or with-amounts share image | ~ Milestone share-as-image (Premium) |
| Monthly debrief | ✓ Automatic on each saved month · comparable-basis change · best-month flag | ✕ No automated debrief |
| 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 (single-device) |
| PDF report exports | ✓ Pro — a one-page financial summary | ~ Snapshot image export |
| Cross-device access | ✓ Sign in on any device · automatic sync | ✕ Single-device by design |
| Import your accounts | ✓ Any CSV of balances or transactions, parsed in your browser with a review step and undo | — |
| Desktop visualisation | ✓ Built for desktop · long-horizon forecast charts, side-by-side scenarios | ✕ iPhone only |
| Dashboard layouts | ✓ Default and Minimalist layouts free; Building, Approaching and Retired layouts, drag-and-drop and ten widgets on Pro | ✕ Fixed layout |
| Milestone celebrations | ✓ Journey tab — milestones, measured goals with categories, a 'story so far' timeline and 'what could change this date?' links into Scenarios (three active goals free, unlimited on Pro) | ✓ £50k → £1m |
| Couples / household planning | ✓ Partner pensions tagged separately · joint property ownership % | ✕ Single-user app |
| Built in | Edinburgh, UK | UK |
What each does well
Where WealthR is stronger
The free tier actually does the job. 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. WealthView's free tier is limited to net worth tracking, a 5-row retirement preview, basic income tax, and 5 snapshots — the full modeller, stress test, IHT projection and CGT awareness all sit behind their £7.99 unlock. Both apps are honestly “free to start”; only one of them is “free to run a real UK retirement plan”.
Thirty-two free UK calculators on the website (separate from the app). Alongside the main app, wealthr.co.uk/tools/ publishes a set of standalone single-purpose calculators that anyone can use without signing up: Stamp Duty 2026 (post-April-2025 rates, FTB relief, +5% additional-property and +2% non-resident surcharges), pension carry forward (3-year lookback, taper + MPAA modes), Bed & ISA, CGT allowance tracker, Coast FIRE, FIRE number, IHT on pensions (post-April-2027 rules), income shock, long-term care, Monte Carlo retirement, mortgage overpayment vs invest, salary sacrifice pension, cost of raising a child (CPAG-anchored with childcare arrangement options). These are not app features — they're standalone web tools — but they're part of the same offering on the same domain. WealthView is a single iOS app and doesn't publish any equivalent standalone calculators.
It works on every device, and was built for desktop. Long-horizon retirement forecasts (30+ years), side-by-side scenarios and the year-by-year breakdown are easier to read with the screen real estate a laptop gives you. WealthR works on iPhone and Android as a PWA too — data syncs across — so you get desktop for the deep dive and your phone for monthly check-ins. WealthView is currently iPhone-only (Android coming) which rules out anyone on Android, anyone without an iPhone they want to plan on, or anyone who simply wants a bigger screen to look at a 30-year chart.
The UK tax engine is more complete. WealthR covers HICBC with the higher-earner rule, Marriage Allowance with the £12,570 partner cap, Child Benefit modelling, Scottish rates (six bands), the £100k personal-allowance taper (the “60% trap”), Student Loan Plans 1–5 plus Postgraduate, salary sacrifice relief, and, on Pro, a top-slicing relief calculator for investment-bond surrenders. The Tax tab's Planning view (Pro) takes that engine and turns it into moves worth checking, ranked by what each is worth in pounds — escaping the Child Benefit charge, unclaimed Marriage Allowance, Bed & ISA against the CGT allowance, household pension efficiency — alongside a salary-sacrifice modeller. WealthView covers the core income-tax / NI / pension-allowance picture but doesn't go as deep on the edge cases or generate an action plan.
More retirement income detail, plus FIRE specialisation. WealthR models 12 income stream types — State Pension, DB pension, SIPP drawdown, annuity, ISA withdrawal, GIA dividends, GIA interest, rental income, offshore bond 5% withdrawal, PAYE salary for phased retirement, and other taxable / other tax-free — each with the right UK tax treatment. The Pension tab has a tax-efficient withdrawal-ordering panel showing which pot to draw first. FIRE / Coast FIRE / depletion modelling are built in: magic number, coast number, accumulation and drawdown charts, portfolio runway. WealthView's retirement modeller covers DC + DB with a 25% lump sum slider — capable for the general retirement case but less detailed for either the income-mix question or FIRE specifically.
What-if scenarios against your real data. The Pro Scenarios tab models an income shock, the cost of raising a child (CPAG-anchored), long-term care, a one-off shock or the 2026–2031 Budget changes against your actual numbers. Save scenarios with names and compare them. WealthView's Net Worth Modeller covers what-if rate / contribution / one-off injection changes but doesn't model life-event shocks against your real data.
Cross-device + adviser share + PDF reports. Sign in from your laptop at lunch, your phone on the train, your tablet at the weekend — same data, automatically synced. Generate read-only share links showing only the sections you tick — different links for your IFA, accountant or family, revocable any time — so they can see your plan without you exporting anything. Export a one-page PDF financial summary for meetings, mortgage applications or your own records. WealthView's local-only model means you're tied to your iPhone, with snapshot-image export as the only sharing option.
Where WealthView is stronger
Native iOS, properly built for the phone. If you want a polished iPhone experience and have no interest in using a planner on desktop, WealthView is the right shape. It's on the App Store, you tap an icon, you're in — no browser, no PWA install nudge.
One-time payment. £7.99 once for everything WealthView offers today. Cheaper over a multi-year horizon than a subscription if you only need the features as they exist today and don't care about ongoing development.
Strictly local storage. Nothing ever touches a server. No account, no cloud, no possible breach of remote data. This is a real privacy advantage for users whose threat model is “no third-party should ever hold my financial data”. The trade-off is no cross-device access and no recovery if you lose your phone — but for a single-device, zero-cloud requirement, WealthView is the strictest model available.
WealthR — pros
- Free tier covers the full planner, not just the basics
- 32 free UK calculators on the website (separate from the app, no sign-up)
- Works on every device — desktop, iOS, Android, tablet
- Built for desktop visualisation of long-horizon forecasts
- Deeper UK tax engine — HICBC, Scotland, top-slicing, the £100k trap, Marriage Allowance
- Tax planning view (Pro) — moves worth checking ranked in pounds: HICBC, Marriage Allowance, Bed & ISA, salary sacrifice, top-slicing
- 12-stream retirement income module with tax-efficient withdrawal ordering
- FIRE / Coast FIRE / depletion modelling with portfolio runway
- ISA tracker for all 6 UK wrappers (S&S, Cash, LISA, JISA, IFISA, Help to Buy)
- Sequence-of-returns stress test — the default crash free; crash size, timing, contributions and mortgage rates adjustable on Pro
- Dividend income horizon planner with UK £500 allowance
- BTL cashflow + gross yield modelling for landlords
- Couples / household planning — partner pensions, joint property %
- Cross-device sync — phone, laptop, tablet, same data
- Share links showing only the sections you tick, and a one-page PDF summary (Pro)
- Active development — features ship weekly
WealthR — cons
- No native iOS app (works as PWA from Safari)
- Subscription model for Pro features
- Cloud sync — data sits in encrypted UK-region storage
- Created 2026 — smaller user base than long-established alternatives
WealthView — pros
- Native iOS app on the App Store
- One-time £7.99 unlock — no subscription
- Strictly on-device storage — no servers, no account
- PIN lock with auto-lock
- 4-scenario stress test (longevity, growth, crash, care)
- Clean UI focused on the phone form factor
WealthView — cons
- Apple platforms only — no Android, no web
- No desktop access at all
- Free tier is heavily limited — most depth behind unlock
- Single-device — no sync, no recovery if phone is lost
- No adviser share links or PDF summary
- Smaller retirement-income coverage (no UFPLS / annuity / GIA splits)
- No FIRE / Coast FIRE / depletion modelling
- No tax planning view (HICBC escape, Marriage Allowance, Bed & ISA)
- No what-if scenarios (income shock, child cost, life events)
- No dividend income horizon planner
- No BTL cashflow / yield modelling
- No standalone calculator tools alongside the app
- No couples / household planning
- ISA tracking is single-bucket, not per-wrapper
When to choose which
Choose WealthR if…
- You want a free planner that actually does the full job
- You want to use your laptop or tablet to visualise long-term forecasts
- You're on Android or you share a household across iOS + Android
- You want deeper UK tax modelling — HICBC, Scotland, the £100k trap, Marriage Allowance
- You want a personalised UK tax action plan, not just a calculator
- You're planning FIRE or Coast FIRE specifically
- You want to track ISAs across all 6 UK wrappers separately
- You want to model life-event shocks (income loss, kids, mortgage rises)
- You're a landlord and want BTL cashflow + yield modelling
- You're a couple planning together — partner pensions, joint property
- You want a PDF summary or to share chosen sections with an adviser or family
- You need cross-device sync (phone, laptop, tablet, same data)
- You value continuous development and new features shipping
Choose WealthView if…
- You want a native iOS app, not a web app or PWA
- You prefer one-time payment over subscription
- Strictly on-device storage is a hard requirement for you
- You're happy planning entirely from your iPhone
- You don't need cross-device access or an adviser share
- You want a simpler four-scenario stress test rather than SoRR
FAQ
Is WealthR a genuine free alternative to WealthView?
What standalone calculator tools does the WealthR website offer?
I don't have an iPhone — what are my options?
Is WealthR's privacy as strong as WealthView's local-only storage?
Why is WealthR a subscription when WealthView is one-time?
Can I use both?
Which is better if I'm specifically planning FIRE in the UK?
Which has the better tax engine?
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The full retirement income module, FIRE calculator, UK tax calculator and sequence-of-returns stress test are all in the free tier. Sign up takes 30 seconds; your data syncs across desktop, iOS and Android.
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