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), an 11-stream retirement income module, FIRE / Coast FIRE / depletion modelling, ISA allowance tracking across all six UK wrappers, a dividend income horizon planner, a financial stress test, BTL cashflow modelling, and the monthly debrief. Separately from the app, the wealthr.co.uk site also publishes eleven standalone free UK calculators that don't require sign-up.
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 iOS-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 | ~ iOS only — Android “coming soon” |
| Pricing model | Free core · Pro £4.99/mo or £39.99/yr (7-day free trial) | Free trial · £7.99 one-time unlock |
| Free-tier depth | ✓ Full tax calculator, FIRE calc, retirement income module, stress test, dividend planner, ISA tracker, BTL modelling, 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 | ✓ 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 |
| Pro Tax Year Optimiser | ✓ HICBC escape plan, Marriage Allowance scanner with backdating, Move-into-ISA (Bed & ISA) candidates ranked against CGT allowance — personalised tax actions against your real data | ✕ No |
| Scenarios — what-if modelling | ✓ Income shock, cost of raising a child (CPAG-anchored, childcare arrangement options) · runway / FIRE-date delay / lifetime cost live · save and compare scenarios side-by-side | ~ 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 | ✓ 11 stream types — State Pension, DB, SIPP UFPLS, SIPP drawdown, annuity, ISA withdrawal, GIA dividends, GIA interest, rental, offshore bond 5%, other taxable/tax-free | ~ DC + DB · State Pension · 25% lump sum slider · year-by-year breakdown |
| 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 | ✓ Cash → GIA → SIPP UFPLS → ISA → SIPP marginal | ✕ Not modelled |
| Sequence-of-returns stress test | ✓ SoRR scenario (−20%/−10% crash years 1–2 with 7yr recovery curve) | ~ 4-scenario stress test (longevity, low growth, market crash, care costs) |
| Financial stress test | ✓ Job loss, mortgage rate rises, childcare or one-off cost · runway in months, 5yr net worth impact, monthly cash position | ✕ Not included (retirement stress test only) |
| 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 |
| IHT estate projection | ✓ Standalone IHT-on-pensions calculator + post-April-2027 pension IHT rules modelled | ✓ 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) |
| Property / mortgage tracking | ✓ Multi-property · joint ownership % · monthly mortgage amortisation · deal-expiry alerts · BTL cashflow + gross yield | ~ 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) | ✓ 11 free tools on wealthr.co.uk/tools/ — 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 feature · read-only · revokable | ✕ No (single-device) |
| PDF report exports | ✓ Pro feature · IFA-style across every section | ~ Snapshot image export |
| Cross-device access | ✓ Sign in on any device · automatic sync | ✕ Single-device by design |
| Desktop visualisation | ✓ Built for desktop · long-horizon forecast charts, side-by-side scenarios | ✕ iPhone only |
| Milestone celebrations | ✓ Standard milestones + custom goals · progress-aware D/I ratio model | ✓ £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. WealthR's free tier covers the full UK income tax calculator, the FIRE calculator, the 11-stream retirement income module, forecasts and the sequence-of-returns stress test, ISA tracking across all six UK wrappers, the dividend income horizon planner, the financial stress test, BTL cashflow modelling, pension tracking across Workplace DC / SIPP / LISA / DB, the monthly debrief 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”.
Eleven 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: 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 a free top-slicing relief calculator for investment-bond surrenders. The Pro Tax Year Optimiser takes that engine and turns it into a personalised action plan — HICBC escape strategy, Marriage Allowance scanner with backdating, and a ranked list of Move-into-ISA (Bed & ISA) candidates against your CGT allowance. 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 11 income stream types — State Pension, DB pension, SIPP UFPLS, SIPP drawdown, annuity, ISA withdrawal, GIA dividends, GIA interest, rental income, offshore bond 5% withdrawal, and other taxable / other tax-free — each with the right UK tax treatment. The Pension tab proposes a tax-efficient withdrawal sequence (Cash → GIA → SIPP UFPLS → ISA → SIPP marginal). 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 a job loss, the cost of raising a child (CPAG-anchored with childcare options), or a one-off shock against your actual numbers. Drag sliders and see runway in months, FIRE-date delay and lifetime cost update live. Save scenarios with names and compare two side-by-side. 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 a read-only adviser link so your IFA or accountant can see your plan without you exporting anything. Export an IFA-style PDF report from any section 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
- 11 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
- Pro Tax Year Optimiser — personalised HICBC / Marriage Allowance / Bed & ISA action plan
- 11-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)
- Financial stress test — model job loss, rate rises, life events
- 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
- Adviser share links and IFA-style PDF reports (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
- iOS only — Android still “coming soon”
- 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 or IFA-style PDF report
- Smaller retirement-income coverage (no UFPLS / annuity / GIA splits)
- No FIRE / Coast FIRE / depletion modelling
- No Tax Year Optimiser (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 an IFA-style PDF report or to share with an adviser
- 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?
Try WealthR free — works on every device.
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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