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 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.
What's live
The foundation
Live · New
Household & partner planning — plan as a couple, not two spreadsheets
Mark any investment, property or debt as part-owned — set your %, name who owns the rest, and flag whether they're your partner or a friend/family member. A Household / You / partner's-share lens then re-scales your net worth, investments, debt and month-change across the app, and an ownership breakdown shows exactly who owns what — a friend or family co-owner's slice, and a child's JISA, are shown but kept out of your personal total. Your partner's pensions and State Pension feed one combined retirement projection, and the Tax tab gives a You / Partner / Combined take-home with Child Benefit and HICBC applied to the higher earner, plus a Pro household pension-efficiency optimiser that tells you which partner should make the next pension contribution. Built after more than ten readers asked to plan their financial future with a partner's finances in mind.
New · Built from reader requests
Live · New
Estate & IHT planning — see what actually passes to your heirs
A full Estate & IHT tab built from the data you already track — no re-keying. Estate value → nil-rate band (£325k) + residence band (£175k, with the £2m taper) → spouse transferable allowances (up to £1m combined) → the 36% charity rate → IHT due → what passes to your heirs, with the April 2027 pension rule modelled both ways. That calculation is free. The Pro planning suite adds lifetime gifts with live 7-year taper countdowns, who-gets-what wishes (per-person totals, a fairness check between children, and a privacy switch so wishes stay out of adviser views), and an "if you died today" death-benefit view — DB survivor pensions, death-in-service lump sums, DC nominations. Selling a property? The sell flow now has a "Gifted to family" option that records the gift and starts the 7-year clock automatically — split equally between children if you choose. Built after a retired reader emailed about selling a rented-out flat and passing the proceeds to family. Estimates, not advice — built to take to your adviser.
New · Built from a reader email
Live · New
Planned property disposals — model the sale or gift before you make it
Every property card now has a "Plan ahead" row: pick a future year and what happens to the equity. Sell & reinvest moves the projected equity into your investments in that year of the forecast; gift to family (Pro) removes it from your net worth entirely — so you can see the step-down on the trajectory chart before you commit, alongside the retirement and State Pension markers. Pairs with the stress test (which now has an on/off switch) to answer questions like "if we gift the flat proceeds in 2028 and markets crash the year after, does the plan still hold?" Read-only custom share links mean your IFA — or family — can see exactly the sections you choose, and nothing else.
New · Forecast integration
Live · New
Three-phase Net Worth Trajectory — Working → Coasting → Retired
A new three-phase trajectory chart on the Forecast tab — the only UK consumer tool that models Coast FIRE as a first-class life phase. Set a "stop contributing" age and the chart bends three times: green Working years (contributing + compounding), blue Coasting years (no contributions, compound growth alone), amber Retired years (drawing down). Falls back to PLSA Moderate (£31,300/yr 2024-25) when no spending target is set, so the line bends realistically even on day one. Built around UK SIPP access age 57 and State Pension age 67. Methodology post →
New · Unique to WealthR
Live · New
Retirement income module — built for decumulation
A new "Retired mode" on the Pension tab. Add unlimited income streams — DB pensions, State Pension (with start date), SIPP drawdown (25% TFC + 75% taxable), annuity, offshore bond 5% withdrawal, ISA withdrawals, GIA dividends, GIA interest, rental income. Each stream has the correct UK tax treatment baked in. The Tax tab swaps salary for a clean retirement income breakdown (no NI, dividend allowance, PSA, taper handled). The Forecast tab shows your portfolio runway — how long the pot lasts at your current burn rate. Built after a retired reader emailed in. Read the post →
New · Underserved UK persona
Live · Pro
Life-event Scenarios simulator
The consumer answer to IFA cashflow tools like Voyant and CashCalc (which cost £100+/month and aren't available direct to individuals). Model the events that actually change a financial plan: Income Shock (job loss, illness, career break — direct cost + opportunity cost over 30 years), Cost of Raising a Child (CPAG-anchored, configurable childcare and education paths), Long-term Care (all four UK nations honestly), UK Budget Tax Change (model what Autumn Statement changes mean for your plan), Single-income transition (partner illness, career break or divorce), The Car Decision (PCP, HP, loan or cash vs keeping or investing), and Save & Compare two scenarios side-by-side. All in one Pro tab with chart deltas and £-impact summaries.
Pro · IFA-grade modelling
Live · New
Cash Flow Projection chart
Year-by-year stacked bar chart on the FIRE tab showing retirement income by source — State Pension, DB pensions, annuity, SIPP/ISA drawdown, rental, dividends — stacked against your target spend, right through to age 100. Bridge years (between retirement and first guaranteed stream) are shaded. Tap any year for the full breakdown by stream. Editable goal target inline.
New · Pro-tier visualisation
Live
Monte Carlo retirement simulator — 5,000 paths
Your pension statement gives you one made-up future. WealthR runs 5,000 simulated futures using log-normal returns, sequence-of-returns risk and the full UK tax engine baked in. Adjustable life expectancy (default 95 per FCA convention). Shown as success probability with percentile bands. Methodology fully written up at /blog. Also available as a standalone tool at /tools/monte-carlo-retirement-uk/.
5,000 paths · UK tax
Live
Sequence-of-returns stress test
A red dashed line on the Net Worth Trajectory chart shows what happens if markets crash 30% in your first two years of retirement (years 1: -20%, year 2: -10%, recovery years 3-6). Flags depletion year if the portfolio runs out. The most overlooked risk in UK retirement planning — most calculators show one smooth line and miss this entirely.
Built into trajectory chart
Live · Pro
Tax Year Optimiser — personalised action plan
Turns your own data into a tax-year action plan: HICBC escape calculator (exact pension top-up needed to drop under £60k and reclaim every pound of Child Benefit), Marriage Allowance scanner (£252/yr current + backdated up to 4 tax years, potential £1,008), Move-into-ISA candidates (taxable holdings ranked by gain against remaining CGT allowance), 60% trap mitigation, pension annual allowance taper warnings, days-until-5-April countdown.
Pro · Personalised
Live · New
Long-term Care Scenario — four UK nations honestly
The only UK consumer LTC tool that models all four nations correctly — England, Scotland (Free Personal Care + more generous thresholds), Wales (£50k flat + £100/wk home care cap), Northern Ireland. £86k cap toggle off by default (because as of 2026 the cap is not in force). Spouse-still-at-home logic, NHS Continuing Healthcare pass-through, five care types. Recommendations panel: Lasting Power of Attorney, wills, SOLLA-accredited advisers, free help (Age UK, Independent Age, Carers UK). Also a free standalone calculator at /tools/long-term-care-uk/.
New · Unique to WealthR
Live · New
Income Shock Calculator UK — lifetime cost
A 12-month UK income shock isn't a 12-month problem — it's a 30-year one. The opportunity cost on savings that never compound is typically 2-4× larger than the direct income lost. Models direct cost + lifetime growth foregone. Available as an in-app Scenario and a free standalone tool at /tools/income-shock-calculator-uk/.
New · Methodology written up
Live · New
Cost of Raising a Child UK — honest answer
The £166k CPAG headline hides a 4× variance. Same UK child can plausibly cost £100k or £450k over 18 years depending on childcare arrangement, education path (state / state+private secondary / private throughout) and whether you need a bigger house. Three realistic scenarios with CPAG-anchored figures, available as an in-app Scenario and a free standalone tool at /tools/cost-of-raising-a-child-uk/.
New · UK-specific
Live · New
Mortgage Overpayment vs Invest UK
A free standalone calculator comparing overpaying your UK mortgage vs investing the same monthly amount in an ISA, SIPP, GIA or Cash account. Full 2026/27 UK tax engine with all six Scottish bands. ERC awareness, 10%/yr overpayment limit, and a "split approach" mode for the most common UK answer (do both). /tools/mortgage-overpayment-vs-invest-uk/.
Tool · Worked examples
Live · New
Full accessibility suite
WCAG 2.1 AA-friendly across the app. Reduced-motion support honours your OS setting (animations off). Larger-text toggle in Settings → Accessibility. Keyboard-first navigation with focus rings on every interactive element. Contextual help tooltips for FIRE, D/I ratio and other jargon. No data behind a screen-reader-hostile UI.
Built-in
Live · New
Hide-balance privacy toggle
A one-tap toggle in the header that blurs every £ figure on screen — for browsing on the train, sharing a screenshot, or just not wanting to see the number right now. Numbers stay obfuscated until you tap to reveal. Sensible default for sensitive personal financial data.
New · Privacy-first
Live · New
Mobile bottom navigation bar
A redesigned mobile shell — the most-used tabs (Net Worth, Forecast, +Add, Retirement, Investments) live in a thumb-reachable bottom bar. Profile moved to the top-right header. Significantly faster one-handed navigation than the old top-only nav.
Mobile UX
Live · New
Press kit at /press
A dedicated press kit at /press for UK personal finance journalists. Three copy-paste descriptions (50/100/250 words), eight story angles, ready-to-use founder quotes, downloadable brand assets, fact-checker-friendly key facts list, and direct contact. Built so a journalist on deadline can write the piece without an interview.
For journalists
Live
Free UK money calculators
A growing library of standalone, free UK calculators — no signup, no email gate. Headline tools include the new Car Cost Calculator UK (true cost of ownership), HICBC, Marriage Allowance, Stamp Duty (SDLT/LBTT/LTT), Pension Carry Forward, Long-term Care UK, Income Shock UK, Cost of Raising a Child UK, Mortgage Overpayment vs Invest, Monte Carlo retirement, Salary Sacrifice 2026/27, FIRE Number, Coast FIRE, CGT, IHT on Pensions 2027 and Bed-and-ISA — all built around real UK tax rules. Browse the full library →
19 live · cross-linked
Live · New
Car Cost Calculator UK
The true cost of owning a car — depreciation, finance interest and running costs combined across PCP, HP, bank loan or cash, plus what that money could have grown to invested instead. Free, no signup; the full life-event version (against your real portfolio and FIRE date) lives in the app as a Pro Scenario.
New · Free tool
Live
ISA allowance tracker — 6 UK wrappers
Track contributions and remaining allowance across all six UK ISA wrappers — Stocks & Shares, Cash, Lifetime ISA, Junior ISA, Innovative Finance and legacy Help to Buy — against the £20,000 limit, with a built-in help guide.
New
Live
Financial stress test
See how your plan holds up when life doesn't go to plan. Model job loss (adjustable 0–100% income reduction), expense spikes, mortgage rate rises, childcare, weddings and one-off big costs. Runway in months, net worth impact over 5 years, 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 · New
Retirement portfolio composition
Decide exactly which pots count toward your retirement number — pensions (yours and your partner's), ISAs, GIAs, crypto, cash, emergency fund, property equity, physical assets. Toggle any category on or off, or pick a one-tap preset: Pension only, FIRE-lean, FIRE full, Downsize at retirement, Liquidate everything. Stacked-bar visualisation plus a guaranteed income panel (State Pension + DB pensions) sit alongside.
New · Unique to WealthR
Live · New
Partner pension support
Track your partner's pension pots alongside your own — DC, SIPP, LISA and defined benefit. Household retirement income is a single, accurate number rather than a guess. Each pot keeps its own exclude toggle and contribution tracking. The retirement projector and Retirement Portfolio panel both pull from the combined household view.
New · Household
Live · New
Per-child Junior ISA tracking
Track your children's Junior ISAs individually — value, contributions, growth, target age 18 milestone. Free for one child; multi-child tracking is a Pro feature. Each child's pot is excluded from your personal net worth by default and lives in its own dedicated view.
Free · 1 child · Pro for 2+
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. The chart follows your You / Household / partner's-share lens, so the line re-scales to whichever view you're in.
Live · New
UK net worth comparison — see where you stand
See how your wealth compares to the UK for your age, benchmarked against the ONS Wealth & Assets Survey. A clean percentile scale places you from bottom to top 10%, with the 25th, median, 75th and top-10% thresholds for your age band — and the brackets you've already passed ticked off. Follows the same You / Household lens as the rest of the app. If you're early in the journey it switches to a forward-looking wealth-building view — milestones ahead, not a rank.
New · ONS-benchmarked
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.
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
0% Balance Transfer Tracker
Free standalone tool to track when every 0% balance transfer and purchase deal ends — days left, the monthly payment to clear each card in time, the interest at stake, and a fee-aware ladder planner. Optional email + one-tap calendar reminders before the rate reverts. Runs in your browser, no signup. /tools/balance-transfer-tracker-uk/.
Live · Free
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
Live
Pension planning
Track DC, SIPP, defined benefit and LISA pension pots in one place. State Pension projection based on NI qualifying years — £241.30/week for 2026/27. 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 · 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
Pension pots, properties and physical assets each have an Exclude/Include toggle. Useful when you want to see your "investments-only" picture, model what your number looks like without a particular property, or run a forecast that ignores your inherited gold coins. Excluded items stay visible and fully tracked — they just don't count toward your net worth total, charts or forecasts until you flip them back on.
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
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
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
SIPP Tax Relief Calculator
See exactly what HMRC tops up on a pension contribution — including 40% and 45% higher-rate relief you'd claim back via Self Assessment. Joins the free tools library when ready.
Free tool · 2026/27
Building
Dividend Tax Calculator UK
Dividend allowance is £500 for 2026/27 (frozen since 2024/25). See what you'll owe across basic, higher and additional rates — and whether it's worth using your ISA allowance first.
Free tool
Building
Lifetime ISA Bonus Calculator
Model the 25% government top-up on LISA contributions across your eligible years — and the trade-off vs. a SIPP for early retirement. £1,000/year max bonus, age 18–50 eligibility built in.
Free tool
Building
Android Play Store submission
WealthR works as a PWA on Android today; the next step is the full Google Play Store listing via a Trusted Web Activity (TWA) wrapper. Brand assets, screenshots, feature graphic, Data Safety and Content Rating questionnaires all complete — the AAB build, internal testing track and Play Store review submission are the remaining steps. iOS PWA install is already live.
Android · this week
Building
UK Budget Impact Calculator
A standalone free tool at /tools/uk-budget-impact-calculator/ — model exactly what the next UK Budget or Autumn Statement means for your tax position. Built on the same engine as the in-app Tax Change Scenario. Live by the next fiscal event.
Free tool · 2026/27
Building
UK Budget Impact methodology blog
Companion post to the Budget Impact tool — explains how WealthR translates Budget headlines (NRB/RNRB freezes, BADR rate rises, capped LSA changes, pension annual allowance taper) into a single £-impact number for your plan. Joins the existing methodology series at /blog.
Blog · UK tax 2026/27
Building
Pro lifecycle email sequence
A small, useful set of lifecycle emails — Day 5 trial nudge, Day 12 follow-up for users still on the fence, and an opt-in monthly reminder to log your snapshot. Sent via Resend with PECR soft opt-in compliance. No marketing fluff — just useful nudges that get out of the way after the trial decision is made.
Email · Resend
Building
iOS App Store (Capacitor wrap)
Native iOS App Store presence via Capacitor — same WealthR, properly packaged with push notifications and a real App Store listing. Already installable as a full-screen PWA on iPhone today; the App Store version is the next step after Android lands.
iOS · after 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
New · Live
Household mode & ownership splits
See your wealth as a household total and as your own share. Set an ownership % on any holding, tag who holds the rest (partner, friend, family), and switch the net-worth card between Household / You / partner's share — on desktop and mobile. A "my partner" flag means a partner's share counts toward your household while a friend's doesn't, and a "plan as a couple" option makes the household view your default. Builds on existing partner pensions, partner State Pension and joint property splits. Next: full joint-income forecasting.
Live · Household
New · Live
Household & joint tax planning
Plan tax as a couple, not two strangers. Add a partner's salary, pension %, student loan and region and the Calculator shows a You / Partner / Combined take-home breakdown — gross, income tax, NI, student loan and effective rate side by side, with a true household take-home including Child Benefit. The Pro Tax Year Optimiser adds household pension efficiency: it compares both partners' marginal rates and tells you which of you the next pension contribution should go through, flagging the 60% personal-allowance taper and the higher-rate band — on top of the existing HICBC-escape and Marriage Allowance scanners.
Live · Household
New · Live
Personalised setup & instant projection
Onboarding now adapts to where you are in life. Tell us your stage — still working, planning early retirement, approaching it, or already retired — and the setup, sample data and defaults all reshape around you: the demo figures scale to your age so they feel like your ballpark, retirees see spend-and-drawdown rather than savings, and the moment you land on your dashboard a plain-English projection shows where you're on track to end up — in both future pounds and today's money. New starters get a gentle "just change one number" nudge so the blank-page feeling is gone. You can also manage email preferences any time in Settings.
Live · Onboarding
Planned
Limited company / corporate holdings
Capture assets — especially property — held inside a limited company or SPV, a different structure from personally-held assets. Your personal net worth would reflect the value of your shareholding (company net assets × your %), not the gross asset value. A "Companies" grouping with its own net-asset view. Structure and visualisation only — company tax and profit extraction defer to your accountant.
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
Adviser & 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.
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
Exploration
0% deal switching & card comparison
The 0% Balance Transfer Tracker tells you when a deal ends — the natural next step is "switch to what?". Recommending or referring specific credit cards is FCA-regulated, so this would mean seeking FCA authorisation first, then building comparison the right way round. Being upfront about the model: it's how free tools like the tracker could eventually pay for themselves. Not started, and nothing becomes a financial promotion until that authorisation is in place.
Needs FCA authorisation
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. 50+ live features later — net worth tracking, three-phase retirement trajectory, Monte Carlo, life-event Scenarios, 19 free standalone calculators, 20+ methodology blog posts — it's something I'm genuinely proud of. Built in Edinburgh, built for the UK.
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.
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.
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