Your whole net worth, in one private UK plan

What “free” actually means here

Most trackers describe themselves as free and then put the part you actually wanted behind a wall. The number that matters is not the price of the paid tier — it is what you can do without ever paying.

Why a UK net worth tracker has to be different

A tracker written for another country can hold a number and add it up. What it cannot do is tell you what that number means under UK rules — and in British finances, the rules are most of the answer.

• Final-salary pensions are an income, not a potA defined-benefit or career-average scheme pays a formula — a fraction of your salary for each year served. It has no balance to add up. WealthR models it as the income it actually is, entered directly or derived from salary, service and accrual rate.
• The State Pension has its own clockIt starts at State Pension age, not when you stop working, and depends on your National Insurance record. A plan that ignores the gap between the two misses the years you have to fund yourself.
• ISAs have allowances, and they are changing£20,000 across your ISAs this tax year, £9,000 for a Junior ISA and £4,000 for a Lifetime ISA with its 25% bonus. From 6 April 2027 the cash ISA allowance drops to £12,000 for under-65s, which makes 2026/27 the last year the full £20,000 can go into cash for most people.
• Income tax is not one UK systemEngland, Wales and Northern Ireland use three rates above the allowance — 20% to £50,270, 40% to £125,140 and 45% above. Scotland uses six: starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45% and top 48%. WealthR holds both and applies the one your region sets. National Insurance is not devolved, so it is the same throughout.
• Property is equity, not valueA house worth £400,000 with £250,000 left on the mortgage is £150,000 of net worth. WealthR holds both, pays the mortgage down over time including the roll onto a revert rate, and records the share you own if it is held jointly.
• Student loans are a payroll deduction, not a debtPlans 1, 2, 4 and 5 are repaid as a percentage above a threshold and written off eventually, which makes them behave nothing like a credit balance in a forecast.

The UK figures it works from

These are the 2026/27 figures the app calculates with. They are held in one place in the code and used everywhere, so the tax tab, the forecast and the calculators cannot quietly disagree with each other.

Why I built it this way

Liam Kane, founder — Edinburgh

I tracked my own money in a spreadsheet for years. The maths was fine; I was the problem. I would update it faithfully for a month, forget it for four, and come back to a forecast built on figures that were no longer true. The spreadsheet did not lie to me — it just quietly went stale, which has the same effect.

So the first decision was that updating it had to take about two minutes a month, and that is why there is no bank linking. I know connecting an account sounds like the convenient option. But a feed gives you a stream of transactions, and a stream of transactions is not a plan — it tells you what you spent at the supermarket, not whether you can retire at 60. It also means handing a third party a live connection to your accounts and renewing consent every ninety days, for data that does not answer the question. Typing in a handful of balances once a month does answer it, and nothing of yours leaves the places it already lives.

The second decision was to take final-salary pensions seriously. Every tracker I tried either had no concept of one or asked me to pretend it was a pot with a balance. For a lot of people in Britain — teachers, the NHS, the civil service, local government — that pension is the single largest thing they own, and it has no balance at all. It pays a formula. Roughly half of the people paying for WealthR today hold one, which tells me that choice was not a niche.

And the third was to build it for UK rules specifically, rather than translating something American. The Scottish bands, the ISA allowances, the State Pension age, the way a student loan behaves, what happens to an unused pension pot for inheritance tax — none of that survives a currency swap. It is the detail that decides the answer.

What you can track

Everything that makes up a net worth figure in the UK, including the parts most apps leave out.

• PensionsSIPPs, workplace defined-contribution pots, final-salary and career-average schemes, AVCs, and the State Pension from your NI record.
• Investments and savingsStocks & shares ISAs, Cash ISAs, Lifetime and Junior ISAs, general investment accounts, Premium Bonds, fixed-rate savings with their own rate and maturity date, and crypto.
• PropertyYour home and any buy-to-let, held at value with the mortgage against it, with the share you own where it is joint.
• DebtMortgages, loans, credit cards and student loans, each paid down on its own terms.
• Physical assetsVehicles, jewellery, instruments, metals — the things that are genuinely worth something and never make it onto the spreadsheet.
• Income and spendingSalary, dividends, rental income and the Budget tab, so the forecast draws on what you actually live on rather than a guess.

How it works

1. Put your figures in once. Accounts, pensions, property, debts. There is no limit on how many, and no card at any point.
2. Update it in about two minutes a month. A short monthly snapshot — balances, anything new, anything that moved. The forecast rebuilds from it immediately.
3. Read what it means. Net worth now, a month-by-month projection to 99, the age your money would run out, the tax you are paying, and how much of it is growth rather than money you put in.

Both halves, without the bank connection

UK money apps usually split in two. All-in-one apps plug into your current account and sort last month's transactions. Dedicated net worth dashboards track what you own against what you owe and ignore spending entirely. WealthR does both, and does neither of them by reading your bank.

The net worth side tracks ISAs, SIPPs, workplace and defined-benefit pensions, property equity rather than property value, physical assets, crypto, and student loans on Plans 1, 2, 4 (Scotland), 5 and Postgraduate. Holdings can be held in 16 currencies and converted to sterling, and listed shares, funds and crypto can pull a live price from their ticker.

The budgeting side takes what you earn and what you spend across ten categories — housing, utilities, groceries, eating out, transport, subscriptions, childcare, insurance, debt repayments and everything else — and sets each against UK averages and the share of income it typically takes, then shows your monthly surplus and savings rate.

What it does not do is import your transactions. There is no bank feed and nothing is categorised automatically, because there is no bank connection anywhere in the product. You type the figures in, which takes a couple of minutes a month. The next section explains why that trade is deliberate.

Why there is no bank linking

It is the question we are asked most, so the answer is worth stating plainly. WealthR has no bank connection anywhere in the product and never has. Your figures are entered by hand and stored against your account in the EU, encrypted in transit and at rest. There are no ads, nothing is sold to anyone, and there is no advertising network embedded in the page.

The trade is honest: you spend a couple of minutes a month typing, and in exchange no third party holds a live connection to your accounts, there is no consent to re-authorise, and there is no transaction history sitting in a system you did not choose. For a tool you are trusting with the whole picture rather than one account, we think that is the right way round. WealthR Ltd is registered in Scotland (SC900929) and with the ICO (ZC243084).

Free UK calculators, no sign-up needed

Some of the maths is useful on its own, so 32 calculators are free to use without an account. Each one carries current UK figures.

• Coast FIRE calculator
• Will my money last?
• Adjusted net income
• Salary sacrifice
• State Pension and tax
• Pension annual allowance
• UK retirement planner
• UK pension tracker
• FIRE calculator UK
• All 32 calculators →

Questions people ask

WealthR is a tracking and forecasting tool, not a financial adviser. WealthR Ltd is not authorised by the Financial Conduct Authority and nothing here is personal advice or a recommendation to buy, sell or hold anything. Tax figures shown are for the 2026/27 UK tax year and may change. For advice about your own circumstances, speak to a regulated adviser or MoneyHelper.