Now · Live
Shipped, and in your hands
Eighty-nine features live today, grouped by what they help you do. Everything's free unless it's marked Pro.
Net worth & assets20 live
Net worth tracking
Monthly entries with history plus 5–30-year forecast horizons, milestones pinned on the chart.
UK net worth comparison
See your percentile for your age, benchmarked to the ONS Wealth & Assets Survey.
Compare any two months
Pick any two months and see what moved between them — in total, and holding by holding.
Investment breakdown
Filter ISAs, pensions, crypto, property and assets into one view, with return since purchase.
Investments as a hub
One switcher across the overview and a page per kind of holding, starting with Dividends, so the menu stays short and each type gets room of its own.
Premium Bonds, as Premium Bonds Pro
Their own type, free: prizes counted as tax-free and the £50,000 limit per person. Their own page (Pro): what the draw pays on average at NS&I’s current rate, checked weekly, and a log of the prizes you win.
Lifetime ISA, for a home or for 60
Say what it is for: a first-home one stays out of your retirement plan, one for retirement is drawn from 60. The £4,000 limit, the bonus and what the 25% charge would cost you, stated plainly.
Gilts and bonds, held directly
Their own type: free of capital gains tax, the coupon taxed as savings income, and a coupon and redemption date instead of “fixed-term savings”.
VCT, EIS and SEIS
Their own type, with the 2026/27 reliefs and holding periods stated, and kept out of your retirement plan’s drawdown because they can be hard to sell.
Holdings in other currencies
Type a US or euro account in its own currency; WealthR converts it at a dated rate you can see and change, and counts it in pounds.
Performance vs the alternatives Pro
How your investments have actually done — your portfolio against a global index and a savings account, using your own money and timing. Built from the figures you already log.
Property tracking
Value, equity, mortgage, BTL yield — plus a reminder 90 days before your deal expires.
Physical assets
Watches, art, classic cars, wine and metals — purchase price vs current value, with an exclude toggle.
Collector's Vault Pro
Attach photos to any physical asset, from the moment you add it — encrypted on your device before they ever leave it, so they stay for your eyes only. Location data stripped automatically.
Assets forecast with “What if?”
Project your collection's future value with a conservative-to-optimistic band, £/% and today's-money toggles, and live per-asset rate modelling.
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Live crypto prices, NFTs, and a crypto page Pro
Add a ticker and units; balances update live from CoinGecko. NFTs sit alongside. The crypto page shows how much of your wealth it is, the tax, and (Pro) what a rise or a fall would do to it, with your own figure for each holding.
Dividend income horizon
Model building the pot, then the monthly income it could pay at any future age.
Compounding visualiser
Watch compound growth overtake your contributions, on your own numbers.
Per-item exclude
Include or exclude any pot, property or asset to see different cuts of your wealth.
Milestones & goals
Track £10k → £1M and custom goals, with forecast hit-dates.
Retirement, FIRE & drawdown19 live
Retirement & FIRE planning
Your magic number, coast number and drawdown charts — ISA-, pension- and State-Pension-aware.
Three-phase trajectory
Working → Coasting → Retired on one chart, with Coast FIRE as its own phase.
Retirement income mode
Decumulation for DB, State Pension, drawdown, annuity and more — each taxed correctly.
Linked drawdown streams
Link a stream to a holding you track and get a sustainable withdrawal figure, not a guess.
Drawdown Planner
Model spending your income down across pensions, ISAs and savings year by year — how each pot grows while untouched, and how long it all lasts.
Monte Carlo simulator
5,000 simulated futures with a simple UK tax model and sequence risk. The chance your money lasts is free; every path, the median and the what-ifs are Pro.
Sequence-of-returns test
See what an early-retirement crash does to the plan, and when the pot would run dry.
Capital gains tax in the planner Pro
Shares, funds, a GIA and crypto now count as pots: each withdrawal realises its share of the gain, the £3,000 allowance goes first, then 18% or 24% on that year’s income.
Plan variants Pro
Save the planner’s set-up under a name, change something (retire earlier, a reduced pension, a bigger lump sum) and compare up to five on how long the money lasts, lifetime tax and what is left.
Pension scheme library and collective DC
Pick your scheme (NHS, Teachers’, Civil Service, LGPS, police, fire, armed forces, USS, Royal Mail) and the rules pre-fill; collective DC schemes are planned at their target and labelled as such.
Retirement portfolio mix
Choose exactly which pots count toward your number, or pick a one-tap preset.
Three-scenario forecasts Pro
Pessimistic, Realistic and Optimistic side by side, with adjustable rates.
Pension planning
DC, SIPP, DB and LISA in one place, with State Pension and tax relief per pot.
CARE pensions
Teachers', NHS 2015 and LGPS projected properly from your annual benefit statement.
Tax-free cash & LSA
Track lump sums against the £268,275 Lump Sum Allowance, protections handled.
State Pension from your NI record
Each person's State Pension against their own National Insurance record, and whether it is counted in the forecast — so a pension you are due is never quietly left out.
Partner pensions
Track a partner's pots so household retirement income is one accurate number.
Drawdown Strategy Lab Pro
Compare the lifetime tax of different spend-down orders on your real pots — including, for a couple, drawing one partner's pension before the other. An illustration, not advice.
Flexible-spending guardrails
See how flexible spending in downturns — trimming a little, then restoring it as markets recover — can change the odds your money lasts.
Plan for real life7 live
Financial stress test
Model job loss, rate rises and big one-off costs — see runway, cash and five-year impact.
Life-event Scenarios Pro
Eleven life events that change a plan, run on your own figures. Income Shock, Salary Sacrifice, Pay Rise and Maternity pay are free; the rest are Pro. Illustrations, not advice.
Long-term care
Care costs under each nation's rules — England, Scotland, Wales and Northern Ireland — with pension income counted in the means test and the cancelled £86k cap shown only as a what-if.
Estate & IHT
See what actually reaches your heirs — nil-rate bands, taper, the 2027 pension rule, gifts.
Household & partner planning
Part-own assets, plan as a couple, retire at different ages on one combined projection.
Planned property disposals
Model a future sale or gift and see the effect on your trajectory before you commit.
Tax Year Optimiser Pro
Where your figures sit against the High Income Child Benefit Charge, Marriage Allowance and your ISA headroom, worked out on your own numbers. It also lists the holdings in a general account that show a gain against this year's CGT allowance (the Bed and ISA check), and models what a salary sacrifice pension contribution does to tax, NI and take-home.
Tax, ISAs & allowances5 live
UK income tax calculator
Take-home, bands, NI, student loan and the 60% trap — England/Wales/NI and Scotland. In retirement, every pension, salary and other income goes into one calculation per person.
Payslips: tax paid against tax due
Record the tax taken off each payslip or pension payment, month by month or as a figure to date, from this tab or the monthly snapshot, and see it against what is due, with your own tax code and your Cash flow plan filling in the rest of the year, so you can see where the year is heading.
ISA allowance tracker
Contributions and headroom across all six UK ISA wrappers against the £20,000 limit.
Junior ISA per child
Track each child's JISA to the age-18 milestone, kept out of your own total.
Actual return calculator Pro
Your real annualised return, contributions stripped out — performance, not deposits.
Budget, debt & the monthly habit11 live
Budget line-items
Break any category into named bills; the total keeps itself in sync.
Your own categories
Rename any category you have created, on both Budget and the Spending tracker.
Spending tracker
Log day-to-day discretionary spending alongside your budget and see where the month actually goes.
Debt tracker
Every debt across nine categories, with your debt-to-income ratio at a glance.
Debt payoff estimator
Add a debt's rate and monthly payment to see when it clears, the interest it'll cost, and the payment to clear it in 1–5 years.
Emergency fund
Months of cover from your cash, tied into the stress-test runway.
Auto-invest fill
Set a monthly contribution; miss a month and WealthR fills the gap.
Monthly snapshot
Every figure for a month on one page — investments, pensions, property, debts and cash — with your net worth moving as you type. A new month starts from last month's figures, and a month you missed can be filled in afterwards.
Money in and out, on the record
Every deposit, sale and withdrawal you have recorded, newest first, with its date, amount, realised gain and tax year — and a Delete on each, so a mistyped figure is not permanent.
Monthly debrief
A personalised report after each update — what moved, and why.
Inline dividend editing
Edit any dividend holding in place; charts update immediately.
Free UK calculators5 live
Calculator library
A growing set of free, no-signup UK calculators — tax, property, pensions and more.
Income Shock UK
The real lifetime cost of a year out of work — direct loss plus compounding foregone.
Cost of Raising a Child UK
An honest £100k–£450k range by childcare and schooling choice.
Mortgage overpay vs invest
Overpay or invest the same money — full 2026/27 tax engine, all Scottish bands.
Car cost calculator
True cost of a car across PCP, HP, loan or cash — vs investing the money instead.
The app itself — privacy, platform & polish22 live
Dashboard layouts and widgets Pro
Building, Approaching and Retired layouts by life stage, a free Minimalist, and ten widgets that bring the other tabs to the Dashboard: readiness, Will it last?, the drawdown plan, allowances, what’s coming and more.
Redesigned navigation
A calmer cockpit sidebar on desktop — grouped into Money, Planning and Tax & Estate — with a single control-centre menu.
Customisable dashboard
Build your home view your way — drag, resize, add or remove widgets, or pick a ready-made layout; on mobile it stacks to fit the screen.
Import your data
Bring in a CSV from another app or a spreadsheet, or fill in our template, which already lists every kind of account with a key to the columns. The file is read in your browser and never uploaded; you check every figure and see your net worth after the import before anything is saved, and an import can be undone from the Activity log.
Real-time cloud sync
Your data stays in sync across phone, tablet and laptop.
Hide-balance toggle
One tap blurs every £ figure — for the train, or a screenshot.
Biometric sign-in
Sign in with Face ID, Touch ID, fingerprint or Windows Hello — optional, per-device, and your password always still works.
Colour themes
Recolour the whole app from eight themes, light and dark, synced across devices.
Install on your phone
Add to your home screen on iOS or Android as a full-screen app — no App Store.
Bottom nav bar
Thumb-reachable mobile navigation for the tabs you use most.
Accessibility suite
WCAG 2.1 AA-friendly — reduced-motion, larger text and keyboard-first throughout.
Uncapped growth rates
Set any growth rate your strategy needs; scenarios stay logically ordered.
Guided onboarding
A three-step setup — skip anything and fill it in later.
Activity log with revert
A full audit trail; tap to restore anything you changed or deleted, or undo an import in one go.
Adviser share links Pro
A private read-only link — your IFA sees everything, edits nothing, revoke anytime, now optionally password-protected.
PDF reports Pro
A real PDF and a spreadsheet from every tab, a Performance report for any period, the annual review as a full report, and an accountant’s pack for your tax return, built only from figures you confirm.
Investment guides
Plain-English explainers built into Property, Assets and Dividends.
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WealthR Pro
PDF reports, adviser links, the actual-return tool and full history — 7-day free trial, £5.99/mo or £39.99/yr.
The Playbooks Pro
Seven in-depth UK money guides — tax, FIRE, pensions, family, ISAs, estate and property — worked through with current rules and a real example. Narrated end to end, so you can listen instead of read. Or buy one outright as a keep-forever PDF.
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WealthR Blog
Practical UK money writing, no jargon, added regularly.
WealthR Live
UK money changes as they're confirmed — allowances, thresholds and Budget measures. Nothing goes up unless it's settled and there's something you can do about it.
Press kit
A ready-to-use kit for journalists at /press.
Next · In progress
Where my attention is going
I build in the open, but I don't pre-announce specific features or dates — things ship when they're genuinely ready and right. Broadly, here's the direction of travel. Got a request?
Deeper retirement & decumulation
The most complete UK drawdown modelling anywhere — because “how do I spend it down?” is the question most tools skip.
An even better mobile experience
The mobile app has just been rebuilt — a new bottom bar, control centre and dashboard; the polish continues from here.
Smarter, private insights
Plain-English meaning from your own numbers — always opt-in, never sold, never used to train models.
More free UK calculators
The library keeps growing as the rules change — new tax years, allowances and Budget measures.
Later · The direction
What I'm building toward
Not a spending tracker. Not a generic dashboard. One place where every piece of your wealth is visible, forecast, stress-tested and actually understood.
Built for the UK
ISAs, pensions, FIRE, dividend allowances, tax years, BTL, State Pension. Every feature designed around how UK investors actually invest — not a US app with a £ sign bolted on.
Privacy first, always
No ads. No data selling. No open banking. Your financial life is the most sensitive data you own — WealthR treats it that way.
Fast & intentional
No bloat, no loading spinners. Manual entry isn't a compromise — it's the feature that keeps you connected to your own finances.
How WealthR is different
Most finance tools
Retirement calculators & trackers
"When can I retire?"
Retirement calculators answer one question well. But they collapse your wealth into a single projection and don't show you how resilient that plan actually is — what happens if you lose your job, rates rise, or an unexpected cost hits.
WealthR
WealthR
"What is my wealth made of — and how does my plan hold up when life doesn't go to plan?"
A complete, structured breakdown of your wealth — investments, property equity, pensions, physical assets — with smart forecasts, a financial stress test for job loss, rate rises and big life costs, and realistic projections of where you're heading. No bank linking. No open banking. Just clarity.
Privacy-first, by design
No open banking. No account linking. No third-party data brokers. Your financial data never leaves your control — you enter what you want, when you want.
Manual entry is a feature
When you manually log your finances, you actually understand them. The act of entering your numbers every month is itself the habit that builds wealth.
Zero display ads. Zero data selling.
WealthR's business model is a fair subscription for people who find it valuable — never advertising powered by your personal data. Some educational pages carry clearly marked partner links; they never influence what we build or show you.
The founder
Liam Kane
Founder · Edinburgh · Builder of WealthR
"Two platforms, two dashboards, no single view — and no way to stress test what happens if something goes wrong. I just wanted one honest place to see the full picture."
WealthR started as a personal project. I've been investing for over a decade — one of the first Moneybox users when it launched in 2016, backed their crowdfunding round that same year, later added Trading 212 for the no-fee ISA. Two platforms, two dashboards, no single view. A spreadsheet patched it together for a while, until I thought — why not just build the app I actually want?
So I did. 89 live features later — net worth tracking, three-phase retirement trajectory, Monte Carlo, life-event Scenarios, 32 free standalone calculators, 50+ methodology blog posts — it's something I'm genuinely proud of. Built in Edinburgh, built for the UK.
Common questions
Everything you need to know
Yes — WealthR is free to use. Sign up and start tracking your net worth, running FIRE calculations, stress testing your financial plan and monitoring your ISA and SIPP at no cost. A Pro plan is available for £5.99/month or £39.99/year (saving 44%), which unlocks PDF reports, adviser share links, the actual return forecast scenario, full stress test controls, and full financial history. A 7-day free trial is included — no card charged until day 8.
No. WealthR is entirely manual-entry — you add your own numbers with no bank linking or open banking required. Your financial data never leaves your control. This is a deliberate design choice: manual entry helps you actually understand your finances rather than passively watching a dashboard.
WealthR's stress test lets you model how your financial plan holds up when life doesn't go to plan — job loss, a rate rise on your mortgage, unexpected expenses, childcare costs, a wedding or one-off big cost. It shows your runway in months, net worth impact over 5 years, and monthly cash position under each scenario. Pro users get full scenario controls: sliders for contribution changes, extra expenses and rate changes, a recurring cost builder, one-off cost planner, and what each change does to the figures, in pounds.
Yes. WealthR tracks Stocks & Shares ISAs, Cash ISAs, SIPPs, workplace pensions, defined benefit pensions and LISAs. Each pot has its own exclude toggle, contribution tracking and tax relief breakdown. The actual return calculator shows your real annualised return stripped of contributions — so you see genuine performance, not just deposits.
WealthR Pro costs £5.99/month or £39.99/year — the annual plan saves 44% (equivalent to £3.33/month). It unlocks PDF reports for every section of the app, secure adviser share links, the actual return forecast scenario, full stress test controls, and your full financial history with no 12-month cap. A 7-day free trial is included — no charge until day 8, cancel anytime.
Yes — add WealthR to your home screen on iOS or Android and it runs as a full-screen Progressive Web App, no App Store required. Dynamic Island and notch layouts are handled correctly. A native App Store version is currently in development.
Stay in the loop.
Drop your email and I'll let you know when major features land. No spam — just the good stuff, when it's ready.
Say something
Got a feature idea? Found a bug?
I read every message personally. No ticket system, no auto-reply.