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✦ Public Roadmap · Built in Edinburgh

Your wealth.
Fully visible.

What's live, what's being built, and what's coming next. Add your totals once a month — WealthR handles the forecasting, the stress testing, the insights, and the full picture. Free forever. No bank linking required.

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.
Retirement-focusedSingle projectionAccount linking requiredUS-centric
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.
Full wealth breakdownFinancial stress testNo account linkingUK-built
🔒
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, not a limitation
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 ads. Zero data selling. Ever.
WealthR's business model is a fair subscription for people who find it valuable — not advertising powered by your most sensitive personal data.
32
Features live
3
In development
15+
On the horizon
0
Ads. Ever.
Live now
In development
Planned
On the horizon
What's live

The foundation

🛡️
Live · New
Financial stress test
See how your financial plan holds up when life doesn't go to plan. Model job loss (adjustable income reduction from 0–100%), expense spikes, mortgage rate rises, childcare costs, weddings and one-off big costs. 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, recurring cost builder, one-off cost planner and personalised fixes with real £ figures.
Unique to WealthR
📈
Live
Net worth tracking
Monthly entries with a dedicated chart featuring History and Forecast segmented controls — 3M, 6M, 1Y, All history alongside 5Y, 10Y, 20Y, 30Y and Max forecast horizons. Milestone targets are pinned directly on the chart at the point you're projected to hit them.
🚀
Live
Investment breakdown by category
Multi-select filter chips let you view any combination of investment types — ISA, pension pots, crypto, property equity, physical assets — in one donut and bar chart. Each holding shows its return since purchase (gain/loss, CAGR). Any holding can be excluded from net worth directly from the table.
Core differentiator
🏠
Live
Property tracking
Track value, equity, outstanding mortgage, BTL cashflow and gross yield per property. Add your mortgage rate, type and deal expiry date — WealthR shows a reminder when your deal is within 90 days of expiring so you can shop around before rolling onto SVR.
Fully live
💎
Live
Physical assets tracker
Watches, art, classic cars, wine, silver and precious metals — any asset with a value. Track purchase price vs current value, annual appreciation, holding costs and net return. Per-asset exclude toggle so you can track something without it inflating your net worth number.
Fully live
🏖️
Live
Retirement & FIRE planning
Your magic number, coast number, accumulation and drawdown charts. Works whether you're planning for 50 or 75. No arbitrary limits. The most comprehensive free FIRE calculator built for UK investors — ISA-aware, pension-aware, State Pension included.
💵
Live
Dividend income horizon
Model the two stages of dividend investing — building the pot, then living off it. Enter your holdings, yield and contributions, and see exactly what monthly income they could generate at any future age.
Unique to WealthR
🔮
Live
Three-scenario forecasts
Pessimistic, Realistic and Optimistic projections — all in the Forecast tab alongside your data. Adjustable growth rates and contribution levels per scenario. Monthly contributions lock across scenarios by default, unlock independently when you want to model different saving rates.
⚡
Live
Compounding effect visualiser
See how compound growth eventually dwarfs your contributions over time — adjusted to your own numbers and timeline. The most motivating chart in personal finance, built around your actual figures.
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Live
Debt tracker
Track every debt across 9 categories — credit cards, student loans, car finance, overdrafts, BNPL and more. D/I ratio at a glance. Per-debt exclude toggle. Smart mortgage toggle built in.
🛡️
Live
Emergency fund tracker
Auto-calculates from your Cash and Emergency Fund holdings. Shows months of cover and progress toward your target — 3 months, 6 months, custom. Ties directly into the stress test runway calculation.
📋
Live
Activity log with revert
Full audit trail of every edit and deletion across investments, debts, properties and assets. Tap revert to restore anything instantly. Your data, always recoverable.
☁️
Live
Real-time cloud sync
Your data syncs instantly across every device. Open WealthR on your phone, tablet or laptop — always up to date, always in sync.
🏆
Live
Milestones & custom goals
Track progress to £10k, £50k, £100k, £1M and beyond. Add custom goals — house deposit, sabbatical fund, whatever matters to you. Forecast dates shown automatically.
🤖
Live
Auto-invest fill
Set a monthly contribution per holding. If you miss a month, WealthR fills the gap automatically. Estimated months are marked with ✱ and dimmed in the history table.
📱
Live
Built for your phone
Add WealthR to your home screen on iOS or Android and it runs as a full-screen app — no browser chrome, no App Store required. Dynamic Island and notch layouts are handled correctly.
iOS & Android PWA
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Live
Pension planning
Track DC, SIPP, defined benefit and LISA pension pots in one place. State Pension projection based on NI qualifying years — £230.25/week for 2025/26. Tax relief breakdown per pot. Per-pot exclude toggle.
🔗
Live
Secure adviser share links
Generate a private read-only link and share your full dashboard with anyone — an IFA, accountant or partner. They see everything, can edit nothing. Revoke it instantly from Settings.
Pro feature
₿
Live
Live crypto price tracking
Add a ticker and units to any crypto holding — Bitcoin, Ethereum, Solana and thousands more. Prices are fetched live from CoinGecko and your balance updates automatically when you open the app.
Live prices
📈
Live
Actual return calculator
After 3 months of entries, WealthR calculates your real annualised return from your own data — stripping out contributions so you're seeing genuine investment performance. Apply it to your Realistic scenario to forecast from truth, not assumption.
Pro feature · Unique to WealthR
🎚️
Live
Uncapped scenario growth rates
Set any growth rate that reflects your actual strategy — whether that's a cautious 4% bond allocation or an aggressive 20%+ portfolio year. Scenarios stay logically ordered so your forecasts always make sense.
✨
Live
Guided onboarding & welcome tour
A streamlined 3-step setup: name and date of birth, monthly savings and growth rate, then a card-based quick-entry for your starting balances. No required fields beyond the basics. Skip any step and fill in details later.
New
🧹
Live
Smart monthly entries modal
Update your monthly figures in seconds. Your existing holdings show their current values — change what's moved, leave the rest. A live summary at the bottom shows your total investments, total debt and net worth updating as you type.
Rebuilt
🎛️
Live
Per-item net worth exclude
Every holding — pension pot, property, physical asset, debt or individual investment — has an Exclude/Include toggle. Excluded items stay visible and tracked, but are removed from your net worth total, charts and forecasts.
✏️
Live
Inline dividend editing
Edit or delete any dividend holding directly in the Dividends section. Full field set: name, wrapper, value, yield %, frequency, strategy and notes. Changes reflect immediately in charts and projections.
📊
Live
Monthly debrief
After every monthly update, a personalised financial report appears automatically — net worth movement, what category drove it, dividend income, debt progress, FIRE percentage and streak. Milestone celebrations built in.
New
💷
Live
UK income tax calculator
Enter your salary, region and a few details — see your take-home pay, full income tax band breakdown (England/Wales/NI and Scotland), National Insurance, student loan repayments and employer pension benefit. Surfaces the 60% trap, child benefit taper, salary sacrifice and marriage allowance.
UK-specific
📰
Live · New
Live UK finance news
Curated live UK personal finance headlines — interest rate decisions, ISA rule changes, housing market updates, tax changes and investment news — pulled directly into the app and refreshed throughout the day. Filter by category, search by keyword, and stay across everything that affects your finances without leaving WealthR.
Auto-refreshed
📚
Live
Collapsible investment guides
Contextual explainers built into Property, Assets and Dividends sections. Property covers owning, BTL, renting and van life. Assets covers gold, luxury watches, classic cars and collectables. Dividend tab has a deep-dive on reinvestment and living off income.
✦
Live
WealthR Blog
Practical UK personal finance writing — built into the app and available at wealthr.co.uk/blog. Covers net worth tracking, ISA vs SIPP, retirement planning and investing basics. Written from experience, no jargon. New posts added regularly.
New
⭐
Live
WealthR Pro — with 7-day free trial
Try every Pro feature free for 7 days — no charge until day 8, cancel anytime. Pro unlocks PDF reports & summaries, secure adviser share links, the actual return scenario tool, full stress test controls, and full portfolio history with no 12-month cap. £4.99/month or £39.99/year.
New · 7-day trial
📤
Live
PDF reports & printable summaries Pro
Download or print a clean summary of your net worth, investments, tax position or pension overview at any time. Useful for adviser meetings, mortgage applications or keeping a personal record.
Live · Pro
In development

What's coming next

📲
Building
iOS & Android App Store
Native App Store presence via Capacitor. Same WealthR, properly packaged — push notifications, home screen icon, the full native experience. Already works as a PWA on both platforms; full store listing coming soon.
iOS + Android
🔔
Building
Monthly update reminders
Smart nudges via email and push notification when it's time to log your month. Keeps your streak alive and your data accurate without you having to remember.
📊
Building
Stock & ETF live price lookup
Extending the live price system beyond crypto to cover stocks, ETFs and funds — VWRL, AAPL, TSLA and everything in between. Enter a ticker, set your units, and your holdings stay current automatically.
Extends crypto system
Planned

The bigger picture

🧠
Planned
AI financial coach
Personalised, plain-English insights based on your actual numbers and trajectory — not generic advice. Strictly opt-in. Your data is never used to train AI models or shared beyond the single query.
Opt-in · No data training
👨‍👩‍👧
Planned
Household mode
Combine finances with a partner or household. Shared net worth view with individual breakdowns — built for modern money conversations.
🎯
Planned
Goal-based saving
Set a goal, a target amount and a deadline. WealthR works backwards to tell you exactly how much to save each month to hit it — house deposit, sabbatical, early retirement.
📊
Planned
Savings rate tracking
Dedicated savings rate chart and trend over time. The one metric serious FIRE trackers obsess over — properly visualised and historically tracked.
🔄
Planned
Recurring investment scheduler
Schedule recurring contributions per holding. WealthR auto-logs them each month so your data is always current — even if life gets in the way.
On the horizon

The long game

🌐
Horizon
Multi-currency portfolios
Track investments across currencies with live FX rates. Built for people with US stocks, European funds and UK ISAs all in one place.
📈
Horizon
Live market data overlay
Overlay real FTSE, S&P 500 and index fund performance against your own portfolio. See how you compare to just buying the index — without linking a single account.
🏦
Horizon
Optional open banking import
If you want it, connect accounts via TrueLayer for automatic balance updates. Strictly opt-in — manual entry stays first-class. Your choice, always.
Opt-in only
📰
Horizon
Personalised financial digest
A monthly email version of the in-app debrief — delivered to your inbox so you get your financial summary even if you forget to open the app.
Long-term exploration

Advisor & partnership layer

Designed to support collaboration with financial professionals — on your terms. Consumer experience and privacy-first philosophy come first, always.

🤝
Live
Secure adviser sharing
Share a read-only view of your WealthR data with your IFA or accountant. You grant access, you revoke it. No permanent third-party access — ever.
Now live · Pro
📊
Exploration
Professional reporting views
Clean, printable wealth summaries and portfolio reports — formatted for conversations with advisers, accountants or mortgage brokers.
🏢
Exploration
Partner & employer access
Optional branded access for financial professionals and employers offering WealthR as a workplace benefit. Money literacy at scale — without compromising individual privacy.
B2B
L
✦ The founder
Liam
Email marketer · 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. 32 live features later, it's something I'm genuinely proud of. Built in Edinburgh, built for the UK.

Full story → Try it free →
✦ The vision

The UK's most
complete wealth picture.

Not a spending tracker. Not a generic dashboard. A 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 unless you explicitly ask for it. Your financial life is the most sensitive data you own — WealthR treats it that way.
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Fast & intentional
Single file, no bloat, no loading spinners. Manual entry isn't a compromise — it's the feature that keeps you connected to your own finances.
✦ 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 £4.99/month or £39.99/year (saving 33%), 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 personalised fixes with real £ figures.
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 £4.99/month or £39.99/year — the annual plan saves 33% (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.