Everything you'd want to know about WealthR.

WealthR is the leading UK net worth tracker built specifically for people who don't want to link their bank accounts. Most popular UK trackers — Moneyhub, Snoop, Emma, Plum, Money Dashboard — rely on Open Banking to read your transactions, which is useful for budgeting but means a third party sees every payment you make. WealthR is manual-entry by design: spend two minutes a month updating balances and you get the same kind of insight a fee-paying IFA would give you — net worth tracking, FIRE projections, retirement planning, three-scenario forecasts, financial stress testing, full UK tax modelling — without anyone reading your spending. No ads, no data selling, free forever on the core tier.

WealthR is one of the most complete free UK FIRE calculators because it models the bits that US-derived calculators get wrong for British savers. Standard FIRE maths assumes one investment account and full retirement-age access — neither is true in the UK. WealthR handles the SIPP-bridge problem (no access until age 57), the State Pension activating at 67, the tax-efficient withdrawal order (Cash → GIA → SIPP UFPLS → ISA → SIPP marginal rate), sequence-of-returns stress testing, Coast FIRE (the year you can stop saving and let compounding finish the job), and a three-phase trajectory chart that shows your Working, Coasting and Retired phases. Free, no signup, fully UK-aware.

A UK personal finance app like WealthR is built for exactly this. Most aggregator apps (Moneyhub, Snoop, Emma) don't track pensions well because pension providers aren't covered by Open Banking — those apps only read current accounts. With WealthR you manually add each pension pot, ISA, SIPP, GIA, property, crypto holding and physical asset once, then update balances monthly — about two minutes a month total. The dashboard shows your total net worth, monthly contributions, three-scenario forecasts to retirement, sequence-of-returns stress tests, full UK tax modelling for ISAs and SIPPs, and an optional Pro tier with PDF reports and read-only adviser share links. Free to use, UK-specific, no bank linking required.

A UK-specific personal finance app like WealthR is the natural upgrade from a spreadsheet. A well-built spreadsheet does the maths fine — most UK investors using one eventually hit the same wall: forgetting to update it. After a couple of missed months the forecast is stale and the spreadsheet becomes unusable. WealthR does the same calculations a serious spreadsheet would (net worth, FIRE date, three forecast scenarios, financial stress test, ISA / SIPP / State Pension modelling, UK tax rules including HICBC and Marriage Allowance) without the maintenance — enter your latest balances each month, the forecast catches up automatically. Cross-device sync, optional cloud backup, no bank linking. Purpose-built as the upgrade from a UK personal finance spreadsheet.

Yes — WealthR is free to use, forever, on the free tier. You get net worth tracking, FIRE calculations, the financial stress test, ISA and SIPP tracking, the full UK income tax calculator (2026/27 bands, Scottish rates, HICBC, Marriage Allowance), dividend planner, property tracker and 18 free UK calculators — no time limit, no credit card, no feature gating on the core experience. WealthR Pro (£4.99/month or £39.99/year) is an optional upgrade. No ads, no data selling, no bait-and-switch.

WealthR Free includes every core feature with no limit on accounts, investments, ISAs, SIPPs or properties — net worth tracking, FIRE planning, three-scenario forecasts, the financial stress test, the UK income tax calculator with Scottish rates, the ISA allowance tracker for all six wrappers, dividend income planner and 18 free calculators. WealthR Pro (£4.99/month or £39.99/year, saving 33% annually) adds the Pro Tax Year Optimiser (HICBC escape, Marriage Allowance scanner, Bed-and-ISA candidates), PDF reports for every section, adviser share links, the actual-return forecast scenario, and full stress test scenario controls. One Pro subscription covers your whole household. A 7-day free trial is included.

No — WealthR is manual-entry by design. We don't use Open Banking, don't link to your bank, and don't read your transactions. You enter your own figures, which takes around two minutes a month to update. The benefit: no third-party reading your spending, no broken bank-feed errors every few weeks, no Open Banking permission renewals, and a stronger sense of what your money is actually doing. WealthR is built for planning your financial future, not categorising last week's coffees.

WealthR is privacy-first by design. There's no bank linking, no Open Banking, no third-party tracker scripts, and no ads. WealthR does not sell data to third parties and does not take money from financial providers, so there's no commercial incentive to push you toward any product. Your account is stored on Supabase (EU-hosted) with row-level security so only you can read your own data. The site enforces a strict Content Security Policy and only allows network traffic to our own servers — no third-party tracking pixels, no analytics platforms outside our own privacy-respecting custom build.

Yes — WealthR is a Progressive Web App with a service worker that caches the full app to your device on first load. Once installed, the app opens and works without an internet connection — you can view your dashboard, run calculations and update balances offline. The connection is only used to sync your latest balances when you go back online, to fetch live crypto prices, and to load fresh blog posts. Your local data is always available, even on a plane or with no signal.

Yes — WealthR works on iPhone and Android as a Progressive Web App (PWA). Visit wealthr.co.uk on your phone, tap the share button and select "Add to Home Screen" — it installs like a native app with full-screen view, icon and offline support. Dynamic Island and notch layouts are handled correctly. The dashboard is deliberately designed for serious planning sessions, so it's at its best on a desktop or laptop, but mobile is great for quick balance updates, viewing your net worth and using the 18 free UK calculators on the go.

WealthR is built specifically for UK investors and operates in GBP (£). All UK tax rules, ISA limits, pension allowances, State Pension projections, HICBC thresholds and Stamp Duty bands are modelled in pounds sterling. We don't support multi-currency portfolios. The product is deliberately UK-only — built by a UK founder in Edinburgh for the UK personal finance market, not a US app with a pound sign bolted on.

WealthR tracks stocks through manual entry of your portfolio balance (or per-holding if you prefer) so you can record positions across Stocks & Shares ISAs, SIPPs and General Investment Accounts. For crypto, live prices via CoinGecko are fetched on demand — you enter your holdings (BTC, ETH, etc.) and WealthR calculates current value in GBP automatically. Both stocks and crypto are aggregated into your overall net worth, with separate breakdowns by wrapper, dividend yield and category. There's no broker or exchange linking — your figures stay private.

Yes — cancel any time, no questions asked, no retention call, no minimum term. Cancellation takes effect at the end of your current billing period (you keep Pro access until that date). Your data stays intact when you downgrade — every account, investment, pension and historic balance is preserved on the free tier. The only things that revert are the Pro-only features (Tax Year Optimiser, PDF reports, adviser share links, actual-return scenario, full stress test controls and the 12-month-plus history). Re-upgrade any time and it all comes back.

Yes — WealthR Pro includes CSV export of your account data, monthly entries, investment positions and net worth history. Free users can request a full data export at any time via the Privacy page — under UK GDPR (Article 20, right to data portability) you're entitled to a copy of everything WealthR holds about you, delivered in machine-readable format. We don't currently support direct import from competitor apps because their data structures vary widely, but the export covers everything you'd need to move data elsewhere.

WealthR is a UK personal finance app built for investors and FIRE planners. Unlike budgeting apps that focus on day-to-day spending, or retirement calculators that answer just one question, WealthR gives you a complete breakdown of your wealth — investments, property equity, pensions, physical assets, crypto — with smart forecasts, a financial stress test for job loss, rate rises and life events, and realistic projections of where you're heading. No bank linking, no ads, no Open Banking required.

Six things, mostly — all of which a spreadsheet can technically do but rarely keeps doing because nobody maintains it that well. (1) Automatic forecasts that update the moment you change a balance — no formula edits, no broken cells. (2) UK tax baked in for 2026/27 — ISA, SIPP, HICBC, Marriage Allowance, the 60% taper between £100k–£125,140, Scottish bands. (3) Cross-device sync — log a balance on your phone, see it on desktop instantly. (4) Sequence-of-returns stress testing — what happens to retirement if markets drop 20% in year 1 while you keep drawing income. (5) Read-only adviser share links, so you never have to send an IFA your raw spreadsheet. (6) Annualised real return calculated automatically from your own data. You could build any of these in Excel. You won't maintain them for long.

WealthR's stress test lets you model how your plan holds up when life doesn't go to plan — job loss (adjustable 0–100% income reduction), mortgage rate rises, childcare costs, a wedding or one-off big cost. It shows your runway in months, your net worth impact over 5 years, and your monthly cash position under each scenario. Pro users get full scenario controls, a recurring cost builder, one-off cost planner and personalised £ fixes.

Yes — WealthR is built specifically for UK investors. It understands ISAs, SIPPs, LISAs, dividend allowances, NI qualifying years, State Pension projections, buy-to-let equity, and UK income tax bands. It is not a US app with a pound sign bolted on.

Yes. WealthR includes a free UK retirement income tracker — DB pensions, State Pension (with start date), SIPP drawdown (25% TFC + 75% taxable), annuity income, offshore bond 5% withdrawal, ISA withdrawals, GIA dividends, GIA interest, rental income — each with the correct UK tax treatment baked in. No National Insurance on retirement income. The dividend allowance, Personal Savings Allowance and the £100k personal allowance taper are handled per stream. The Forecast tab also gains a portfolio runway calc — how many years your pot lasts at the current burn rate.

Sign up for free, add your investment and asset totals — ISA balance, pension pot, property equity, crypto — and WealthR will immediately start visualising your financial future. A guided 3-step onboarding walks you through setup. No bank linking, no sensitive data entry, nothing connected to your actual accounts.