At a glance
Name
WealthR
Founder
Liam Kane (solo)
HQ
Edinburgh, UK
Launched
March 2026
Category
UK personal finance app
Pricing
Free · Pro £5.99/mo or £49.99/yr
For advisers
Free tools
Free blog
Community
Data handling
No Open Banking, no ads
App descriptions — copy & paste
Three lengths, plus a separate description of the adviser platform. Pick what fits your word count. All factually accurate and approved by the founder for direct quotation.
Tweet length
~50 words
WealthR is a UK-only personal finance app built in Edinburgh by solo founder Liam Kane. Launched March 2026. Tracks every UK asset class — ISAs, SIPPs, DB pensions, property, physical assets, crypto — and projects forward with proper UK tax modelling. Powerful free tier; Pro £5.99/mo or £49.99/yr.
Standard length
~100 words
WealthR is a UK personal finance and wealth-planning app built in Edinburgh by solo founder Liam Kane, launched in March 2026. It tracks every UK asset class — Stocks & Shares ISA, Cash ISA, LISA, SIPP, workplace pension, DB pension, State Pension, property equity, physical assets, crypto — and projects forward with UK-tax-aware retirement, FIRE and life-event modelling. Manual entry by design — no Open Banking, no ads. Free tier includes net worth tracking, full UK tax calculator, FIRE projection, Monte Carlo retirement simulator and 20+ blog posts. Pro (£5.99/month or £49.99/year) unlocks unlimited properties and physical assets, life-event Scenarios, adviser share links for IFAs, the Tax Year Optimiser and PDF reports. Eighteen free standalone calculators live at wealthr.co.uk/tools/ with no signup.
Feature length
~250 words
WealthR is a UK personal finance and wealth-planning app built in Edinburgh by solo founder Liam Kane, launched in March 2026. It exists to fill a visualisation gap that no major UK fintech has closed: every UK platform shows what you have today, but none show what it means for your future self.
The app tracks every UK asset class — Stocks & Shares ISA, Cash ISA, LISA, JISA, SIPP, workplace DC, Defined Benefit pension, State Pension projection from NI qualifying years, GIA, property equity, BTL rental yield, physical assets (gold, silver, watches, art, classic cars), and live-priced crypto. It then projects forward with full UK-tax-aware modelling: three-scenario net worth forecast, Monte Carlo retirement simulator (5,000 paths), sequence-of-returns stress test, three-phase trajectory (Working → Coasting → Retired), FIRE date with Coast FIRE, and 11 retirement-income stream types with the correct UK tax treatment.
The free tier is unusually capable — net worth tracking, full 2026/27 UK income tax calculator (PAYE, NI, Student Loans, Scottish bands, HICBC), Monte Carlo retirement simulator, FIRE calculator, ISA and SIPP tracker, three-scenario net worth projection, dividend planner, and live crypto pricing. Pro (£5.99/month or £49.99/year, 7-day free trial) unlocks unlimited properties, unlimited physical assets, the full life-event Scenarios simulator (Income Shock, Cost of Raising a Child, Long-term Care, UK Budget Impact), the Tax Year Optimiser (HICBC escape, Marriage Allowance backdating, Move-into-ISA candidates), adviser share links giving an IFA read-only access to a client's dashboard, the Actual Return forecast, and PDF reports. One subscription covers a household.
Eighteen free standalone calculators live at wealthr.co.uk/tools/ with no signup. Methodology blog posts at wealthr.co.uk/blog show the maths behind every figure. A free monthly UK newsletter at wealthr.co.uk/community sends a snapshot reminder, a heads-up when a new free tool ships, and a short note when UK money rules change. Manual entry by design — no Open Banking, no bank linking, no ads, no data selling.
The app tracks every UK asset class — Stocks & Shares ISA, Cash ISA, LISA, JISA, SIPP, workplace DC, Defined Benefit pension, State Pension projection from NI qualifying years, GIA, property equity, BTL rental yield, physical assets (gold, silver, watches, art, classic cars), and live-priced crypto. It then projects forward with full UK-tax-aware modelling: three-scenario net worth forecast, Monte Carlo retirement simulator (5,000 paths), sequence-of-returns stress test, three-phase trajectory (Working → Coasting → Retired), FIRE date with Coast FIRE, and 11 retirement-income stream types with the correct UK tax treatment.
The free tier is unusually capable — net worth tracking, full 2026/27 UK income tax calculator (PAYE, NI, Student Loans, Scottish bands, HICBC), Monte Carlo retirement simulator, FIRE calculator, ISA and SIPP tracker, three-scenario net worth projection, dividend planner, and live crypto pricing. Pro (£5.99/month or £49.99/year, 7-day free trial) unlocks unlimited properties, unlimited physical assets, the full life-event Scenarios simulator (Income Shock, Cost of Raising a Child, Long-term Care, UK Budget Impact), the Tax Year Optimiser (HICBC escape, Marriage Allowance backdating, Move-into-ISA candidates), adviser share links giving an IFA read-only access to a client's dashboard, the Actual Return forecast, and PDF reports. One subscription covers a household.
Eighteen free standalone calculators live at wealthr.co.uk/tools/ with no signup. Methodology blog posts at wealthr.co.uk/blog show the maths behind every figure. A free monthly UK newsletter at wealthr.co.uk/community sends a snapshot reminder, a heads-up when a new free tool ships, and a short note when UK money rules change. Manual entry by design — no Open Banking, no bank linking, no ads, no data selling.
For advisers & firms
~110 words
WealthR for advisers is a white-label layer on the same engine, aimed at UK financial advisers, planners and small wealth firms. Each client gets a branded portal in the firm's name and colours — a clean, read-only view of their plan with secure two-way messaging and a household view. The adviser side adds a client book, a business dashboard (assets under tracking, client mix, growth and engagement), an engagement centre that flags who needs contact, and a showcase mode for demos. Pricing is £69 per seat per month. WealthR supplies the software; the adviser supplies the regulated advice. Details at wealthr.co.uk/partners.
Story angles
If you're looking for a hook, here are nine that match what your readers actually search for. Pick the one closest to your beat — Liam can supply a quote, a calculator demo, or both.
Coast FIRE
The Stop-Saving Milestone most UK savers miss
Most UK Coast FIRE writing is American. WealthR's three-phase trajectory chart is the only UK consumer tool that models Working → Coasting → Retired with SIPP access at 57 and State Pension at 67 baked in. Source post.
Long-term care
Why most UK care calculators are wrong by 30-60%
The £86k cap isn't in force. Most online calculators apply it anyway. WealthR's calculator handles all four UK nations honestly — England, Scotland (Free Personal Care), Wales (£50k threshold), Northern Ireland. Free tool.
Income shock
Why a 12-month UK job loss is a 30-year problem
Direct income loss is the smaller half. The opportunity cost on savings that never compound is typically 2-4× larger. Most personal finance writing covers only the direct cost. Methodology post.
Cost of raising a child
The £166k figure is wrong by up to 4×
CPAG's headline understates total real-world UK child cost. The variance from childcare arrangement, education path and housing upsize gives a £105k–£450k range per child. Free calculator + worked scenarios. Free tool.
Tax year angle
The 60% trap UK higher earners don't know about
£100,000–£125,140 of income carries a 60% effective marginal tax rate via personal allowance taper. WealthR's Tax Year Optimiser models exactly the pension top-up to escape it. Seasonal hook around tax year end (5 April) or Autumn Budget.
IHT on pensions 2027
The hidden 64-67% rate coming for inherited pensions
From April 2027, unspent UK pensions enter the IHT estate. Combined with beneficiary income tax on drawdown above age 75, effective rates can hit 64-67%. Free calculator.
Edinburgh / Scotland
Solo Edinburgh founder builds free UK retirement tool
Liam Kane built the app after five years of maintaining a personal spreadsheet to solve the gap he kept hitting: every UK platform shows what you have today; none show what it means for your future self. Local story angle for Scottish outlets.
Breakaway advisers
A solo dev is white-labelling a client portal at £69 a seat
The adviser tech stack (Voyant, CashCalc, intelliflo, moneyinfo) is built for big firms on annual contracts and per-firm pricing. WealthR for advisers gives a small or breakaway UK firm a branded client portal, a business dashboard and a client-engagement view for £69/seat/month, no setup project. Angle for trade and fintech outlets. Partners page.
Privacy-first fintech
No Open Banking, no data selling, manual entry by design
Counter-trend story. Most UK money apps push toward Open Banking aggregation. WealthR is deliberately manual entry — no bank linking, no API connections, no data brokers. The trade-off is honest and the audience is real.
Ready-to-use founder quotes
Liam Kane, founder of WealthR. Pre-approved for direct quotation — verify by email before publication if your house style requires it.
Every UK platform shows you what you have today. None of them show you what it means for your future self. WealthR exists to close that gap.
— On why he built WealthR
Most online UK care calculators are wrong by 30-60% because they only model England, quietly apply a cap that isn't in force, and assume your house is fair game. The honest answer is much harder to deliver, which is why nobody else does it.
— On the long-term care calculator methodology
Coast FIRE is the most overlooked retirement concept in UK personal finance. For someone in their late twenties, the difference between "save until 67" and "save until 40" is twenty-seven years of optionality. The pot ends up in the same place either way.
— On Coast FIRE as a UK planning frame
I built this manual-entry by design. Open Banking is convenient but it solves the wrong problem — most people don't have a tracking problem, they have a forecasting problem. Connecting to your bank doesn't help you decide if you can afford to retire.
— On the privacy-first, manual-entry approach
The big IFA cashflow tools — Voyant, CashCalc, Truth — cost over £100 a month and are licensed only to advisers. There's no consumer version. WealthR's Scenarios feature is the closest thing for £5.99/month.
— On positioning vs IFA cashflow planning software
Most adviser software is sold to the firm, on a contract, with a setup project. I wanted a small or breakaway adviser to be able to put their own brand on a client portal by the afternoon, for £69 a seat. I build the software; the adviser still owns the advice.
— On launching WealthR for advisers
Founder bio
Liam Kane is the solo founder of WealthR, based in Edinburgh. A UK investor with over a decade of personal investing experience across Stocks & Shares ISAs, property, and inherited physical assets — including silver coins passed down from his father — Liam built WealthR after five years of maintaining a personal spreadsheet that did what no UK platform did: project a whole financial picture forward against real UK tax with proper life-event scenarios.
WealthR launched in March 2026 and ships under WealthR, Liam's solo development company. Support emails go direct to the founder. The roadmap is public at wealthr.co.uk/roadmap.
Brand assets
Right-click any image to download. Logo files are publicly accessible at the linked URLs.
App dashboard preview
Download →
Three-phase trajectory chart
Download →
Coast FIRE calculator
Download →
Forecast control (Stop Contributing)
Download →
Need additional assets — high-resolution founder photo, in-app screenshots of a specific feature, brand logo in different formats, video walkthrough? Email [email protected] and Liam will reply directly, usually within 24 hours.
Key facts for fact-checkers
- Launched: March 2026 in Edinburgh, United Kingdom
- Founder: Liam Kane (solo founder, no co-founders, no employees)
- Publisher / company: WealthR
- Funding: Bootstrapped. No venture capital, no angel investment.
- Free tier features (no expiry): net worth tracking, full 2026/27 UK income tax calculator, FIRE calculator with Coast FIRE, Monte Carlo retirement simulator (5,000 paths), three-scenario forecast, ISA and SIPP tracker, dividend income planner, live crypto pricing, 1 property and 1 physical asset, 20+ blog posts, all 19 standalone tools
- Pro tier (£5.99/month or £49.99/year, 7-day free trial): unlimited properties, unlimited physical assets, life-event Scenarios simulator (Income Shock, Cost of Raising a Child, Long-term Care, UK Budget Impact), Tax Year Optimiser, custom adviser share links for IFAs and family (the owner picks which sections are visible), estate planning suite (lifetime gifts, beneficiary wishes, death benefits), Actual Return forecast, PDF reports, full snapshot history. One subscription covers a household.
- WealthR for advisers (adviser/firm platform): a white-label layer for UK advisers and small wealth firms, priced at £69 per seat per month. Live features: a branded client portal (firm's name and colours) with read-only plan view, secure two-way messaging and household view; an adviser client book; a business dashboard (assets tracked, client mix, growth, engagement); an engagement centre that flags clients needing contact; and a showcase/demo mode. Recent additions now live: a full modelling cockpit (forecasts, scenarios, tax, CGT and IHT), letters of authority with built-in e-signing, an encrypted document vault, and a client-import wizard with a 14-day rollback. WealthR provides the software only; the adviser remains responsible for any regulated advice. Details at wealthr.co.uk/partners.
- Geographic scope: United Kingdom only. UK tax rules, UK pension types, UK ISA wrappers, Scottish six-band income tax built in.
- Tax year covered: 2026/27
- Platforms: Web app (wealthr.co.uk), iOS PWA (Add to Home Screen), Android PWA + TWA
- Data handling: No Open Banking, no bank linking, no ads, no data sold to third parties. Manual entry by design. Cloud sync via Supabase, encrypted in transit and at rest.
- Free standalone calculators: 18, no signup required, at wealthr.co.uk/tools/
- Methodology blog: 20+ posts at wealthr.co.uk/blog — every calculation has its working shown, no black box.
- Community / newsletter: Free, monthly, UK-only. Sent via Resend with PECR soft opt-in compliance. Sign-up at wealthr.co.uk/community. No email shared with third parties; one-click unsubscribe at the bottom of every send.
- Regulatory status: Not a regulated financial adviser. WealthR is a planning tool, not a personal recommendation service.
Press mentions
This section is updated as coverage lands. If you're a journalist who has published a piece referencing WealthR, please email [email protected] with the link and we'll add it here.
Press contact
For interviews, quotes, demo access, or anything not covered above — fill out the form below or email Liam directly. Replies usually within 24 hours, faster on weekdays.
General contact: [email protected]
Website: wealthr.co.uk · Edinburgh, United Kingdom