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✦ Public Roadmap · Built in Edinburgh

Your wealth.
Fully visible.

Wealth, recorded. No guesswork. A complete picture of what your wealth is made of — broken down, structured and yours to control.

Most finance tools
Retirement calculators & trackers
"When can I retire?"
Retirement calculators are useful. But they collapse your wealth into a single number — a pot size, a date, a projection. They answer one question well. But they don't show you what your wealth is actually made of right now, or how it's structured across asset classes.
Retirement-focused Single projection Account linking required US-centric
WealthR
WealthR
"What is my wealth made of, and how is it structured?"
WealthR gives you a complete, structured breakdown of your wealth across every category — investments, property equity, pensions, physical assets — with smart forecasts and realistic projections of where you're heading. No bank linking. No open banking. No data leaving your hands unless you decide it does. Just clarity.
Full wealth breakdown No account linking Manual & intentional UK-built
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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. WealthR doesn't know your bank details because it never asks for them.
✍️
Manual entry is a feature, not a limitation
When you manually log your finances, you actually understand them. Most people have no idea what their net worth is. The act of entering your numbers every month is itself the habit that builds wealth. WealthR makes that process fast, satisfying and meaningful.
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Zero ads. Zero data selling. Ever.
Free finance apps have a product, and it's you. WealthR's business model is a fair subscription for people who find it valuable — not targeted advertising powered by your most sensitive personal data. No ads. No exceptions. No asterisks.
28
Features live
4
In development
15+
On the horizon
0
Ads. Ever.
Live now
In development
Planned
On the horizon
What's live
The foundation
📈
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.
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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), or month-on-month change if no purchase data is set. Any holding can be excluded from net worth directly from the table — excluded items show dimmed and are removed from charts and totals.
Core differentiator
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Live
Property tracking
Track value, equity, outstanding mortgage, BTL cashflow and gross yield per property. Per-property exclude toggle — include or exclude individual properties from your net worth independently. Edit, sell or remove properties with proceeds reallocation built in. 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.
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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. No holdings yet? A personalised guide explains how dividend income works and how to get started.
Unique to WealthR
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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. Live growth rates shown in the chart legend. Monthly contributions lock across scenarios by default, unlock independently when you want to model different saving rates.
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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 lets you track a debt without it affecting your net worth number. Smart mortgage toggle built in.
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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.
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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.
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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.
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Live
Auto-invest fill
Set a monthly contribution per holding. If you miss a month, WealthR fills the gap automatically — applying growth only to holdings with auto-invest set, carrying others forward unchanged. Estimated months are marked with ✱ and dimmed in the history table. A banner on the dashboard links directly to Monthly entries so you can replace estimates with real figures when ready.
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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, including the header, sidebar and safe-area insets.
iOS fixed
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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 — rate updates automatically each tax year (£230.25/week for 2025/26). Tax relief breakdown per pot. Per-pot exclude toggle so individual pensions can be tracked without counting toward net worth.
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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. Your data, fully under your control.
New
₿
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 (no API key needed) and your balance updates automatically when you open the app. An orange toast confirms when your crypto figures have refreshed.
New
📈
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. Or add purchase prices to any holding and unlock it from day one via cost basis CAGR. Apply it to your Realistic scenario to forecast from truth, not assumption.
New · 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, without imposing ceilings that don't match reality.
New
✨
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 — ISA, pension, cash, emergency fund, crypto and debt. No complex modal, no required fields beyond the basics. Skip any step and fill in details later. An optional 2-minute tour follows, covering every section of WealthR.
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. Property, pension and assets link directly through to their own sections. 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. A student loan you want to monitor without it dragging your number, a pension you want to separate from investable wealth, a BTL you track separately — all handled with one tap.
✏️
Live
Inline dividend editing
Edit or delete any dividend holding directly in the Dividends section — no need to go back through the main modal. Full field set: name, wrapper, value, yield %, frequency, strategy and notes. Changes reflect immediately in charts and projections.
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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
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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. Smart contextual observations surface the 60% effective rate trap, child benefit taper, salary sacrifice opportunities, marriage allowance eligibility and ISA shelter value. Your inputs save automatically. Includes a printable one-page tax summary.
New · UK-specific
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Live
Collapsible investment guides
Contextual, lighthearted 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 collapsible deep-dive on reinvestment and living off income. Good reads, zero obligation.
New
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.
iOS + Android
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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
Shareable snapshot cards
Generate a beautiful, shareable net worth snapshot — perfect for r/FIREUK monthly updates. Your progress, no sensitive data exposed.
Community growth
📊
Building
Stock & ETF price lookup
Extending the live price system to cover stocks, ETFs and funds — VWRL, AAPL, and everything in between. Enter a ticker, set your units, and your holdings stay current automatically.
Extends crypto system
Planned
The bigger picture
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Planned
AI financial coach
Personalised, plain-English insights based on your actual numbers and trajectory — not generic advice. Strictly opt-in: you choose whether to enable it. Your data is never used to train AI models, never shared with AI providers beyond the single query, and the feature can be turned off at any time. A co-pilot on your terms.
Opt-in · No data training
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Planned
Household mode
Combine finances with a partner or household. Shared net worth view with individual breakdowns — built for modern money conversations.
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Planned
Goal-based saving
Set a goal, set 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.
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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.
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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
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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.
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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.
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Horizon
Optional open banking import
If you want it, you'll be able to connect accounts via TrueLayer for automatic balance updates. Strictly opt-in — manual entry stays first-class. Your choice, always.
Opt-in only
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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. The in-app debrief is already live; the email edition is next.
Long-term exploration
Advisor & partnership layer

Designed to support collaboration with financial professionals — on your terms. These are long-term ambitions, not immediate commitments. The consumer experience and privacy-first philosophy come first, always.

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Live
Secure adviser sharing
Share a read-only view of your WealthR data with your IFA or accountant. You grant access, you revoke it, you choose exactly what they can see. No permanent third-party access — ever.
Now live
📊
Exploration
Professional reporting views
Clean, printable wealth summaries and portfolio reports — formatted for conversations with advisers, accountants or mortgage brokers. Your data, presented professionally.
🏢
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. I just wanted to see the full picture in one honest place."

WealthR started as a personal project — I started investing at 18, was one of the first Moneybox users when it launched in 2016, and 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. 27 live features later, it's something I'm genuinely proud of. Built in Edinburgh, built for the UK.

Full story → Try WealthR free →
✦ The vision

The UK's most
complete wealth picture.

Not a budgeting app. Not a retirement calculator. A place where every piece of your wealth — investments, property, assets, dividends — is visible, structured and understood.

Built for the UK
ISAs, pensions, FIRE, dividend allowances, tax years, BTL. Every feature designed around how UK investors actually invest — not a US app with a £ sign bolted on.
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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.

Stay in the loop.

Drop your email and we'll let you know when major features land. No spam — ever.

✦ Say something

Got a feature idea? Found a bug?

I read every message personally. No ticket system, no auto-reply.