Now · Live
Shipped, and in your hands
Sixty-nine features live today, grouped by what they help you do. Everything's free unless it's marked Pro.
📊Net worth & assets10 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.
🚀
Investment breakdown
Filter ISAs, pensions, crypto, property and assets into one view, with return since purchase.
🏠
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.
₿
Live crypto prices
Add a ticker and units; balances update live from CoinGecko.
💵
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 & drawdown15 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 — the only UK tool treating 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.
🎲
Monte Carlo simulator
5,000 simulated futures with the UK tax engine and sequence risk, as a success probability.
⚠️
Sequence-of-returns test
See what an early-retirement crash does to the plan, and when the pot would run dry.
📊
Cash-flow projection
Year-by-year retirement income by source, stacked against your target spend to age 100.
🎯
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.
👫
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
In-depth modelling of the life events that change a plan, at a fraction of adviser-tool cost. Illustrations, not advice.
🏥
Long-term care
The only UK tool modelling all four nations' care rules honestly.
🏛️
Estate & IHT
See what actually reaches your heirs — nil-rate bands, taper, the 2027 pension rule, gifts.
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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
Your data turned into an action plan — HICBC, Marriage Allowance and ISA moves.
🧮Tax, ISAs & allowances4 live
💷
UK income tax calculator
Take-home, bands, NI, student loan and the 60% trap — England/Wales/NI and Scotland.
🎯
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 habit10 live
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Budget line-items
Break any category into named bills; the total keeps itself in sync.
🛒
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.
⏳
0% balance-transfer tracker
Know when each 0% deal ends and the payment to clear it in time, with reminders.
🛟
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.
🧹
Smart monthly entries
Update everything in seconds, with a live net-worth total as you type.
📊
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 & polish18 live
🧭
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 any CSV from another app or spreadsheet; it parses in your browser, nothing uploaded.
☁️
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.
🎨
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.
🔗
Adviser share links Pro
A private read-only link — your IFA sees everything, edits nothing, revoke anytime, now optionally password-protected.
📤
PDF reports Pro
Clean printable summaries for adviser meetings or mortgage applications.
📚
Investment guides
Plain-English explainers built into Property, Assets and Dividends.
⭐
WealthR Pro
PDF reports, adviser links, the actual-return tool and full history — 7-day free trial, £5.99/mo or £39.99/yr.
✦
WealthR Blog
Practical UK money writing, no jargon, added regularly.
📰
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 unless you explicitly ask for it. 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. 60+ live features later — net worth tracking, three-phase retirement trajectory, Monte Carlo, life-event Scenarios, 26 free standalone calculators, 20+ 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 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 £5.99/month or £39.99/year — the annual plan saves 44% (equivalent to £4.17/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.