A wealth tracker that shows where your money is going, not just what it is worth today

A net worth tracker tells you today. A wealth tracker tells you what happens next.

These two phrases get used as if they mean the same thing, and the difference is the entire reason this page exists. A net worth tracker answers one question well: what are you worth right now, assets minus debts, as a single honest number. That number is worth having and most people do not have it.

But it is a photograph. It cannot tell you whether you are on course, because the things that decide that are all in the future — thirty years of contributions, a mortgage that ends, a final-salary pension that starts paying at 65 and not before, the State Pension arriving at 67, and a tax bill in retirement that depends on which wrappers the money sits in. A wealth tracker is the version that carries the number forward and applies those rules to it.

The practical test is this: if your tracker cannot tell you what your position looks like in 2041, it is recording your wealth rather than tracking it.

What “free” actually means here

Most trackers describe themselves as free and then put the part you actually wanted behind a wall. The number that matters is not the price of the paid tier — it is what you can do without ever paying, so here it is in full, including the two places where the free plan genuinely stops.

The UK rules it works from

A forecast is only as good as the rules underneath it, and UK rules are unusually fiddly — they are devolved in places, frozen in others, and several change on a date already in the diary. These are the ones that move the answer most, with the figures WealthR actually uses.

Rule	Figure used	From
Income tax, rest of the UK	20% / 40% / 45%	2026/27
Income tax, Scotland — six rates, not three	19% / 20% / 21% / 42% / 45% / 48%	2026/27
Personal Allowance, tapered £1 for every £2 over £100,000	£12,570, gone at £125,140	frozen to Apr 2031
New State Pension, full rate	£241.30 a week	2026/27
Pension Annual Allowance, tapered above £260,000 adjusted income	£60,000, floor £10,000	2026/27
Dividend tax, after the £500 allowance	10.75% / 35.75% / 39.35%	2026/27
Cash ISA limit falls for under-65s (over-65s keep £20,000)	£20,000 → £12,000	6 Apr 2027
Savings and property income rates rise	22% / 42% / 47%	6 Apr 2027
Unused pension pots count towards inheritance tax	estate rules apply	6 Apr 2027
Normal minimum pension age rises	55 → 57	6 Apr 2028

The last four are the ones worth planning around, because they are legislated and dated rather than speculative. The pension age change in particular reshapes early-retirement plans: money in a SIPP becomes unreachable for two years longer than people assume, which is the gap the FIRE calculator exists to size.

Where the app needs a spending figure and you have not set one, it uses the Pensions UK Retirement Living Standards — £32,700 a year for a single person at the Moderate standard, £45,400 for a couple. Those are after-tax figures, and WealthR treats them that way rather than quietly comparing them against income before tax. Spending through retirement follows ONS Family Spending data rather than a flat line: £317.10 per person per week at 65–74, falling to £286.70 at 75 and over.

Why I built it this way

I am Liam, and I built WealthR because I could not answer a simple question about my own money. I had a workplace pension, an old pension I had half forgotten, an ISA, some shares and a mortgage. Each had its own login and its own idea of what mattered. I could tell you every balance and still not tell you whether I was going to be all right.

Spreadsheets got me partway and then stopped. A spreadsheet will hold the numbers, but it will not apply the Scottish intermediate rate to a drawdown, know that a final-salary pension is income rather than a pot, or tell you that the pot runs out at 84 rather than lasting. The arithmetic that actually answers the question is the part a spreadsheet leaves to you.

The products that did the arithmetic were mostly American. They are good products, and they confidently do not understand a £20,000 ISA allowance, a defined-benefit scheme, the High Income Child Benefit Charge or the fact that someone in Glasgow and someone in Manchester on identical salaries take home different amounts. A tracker that gets UK tax wrong is not a tracker, it is a mood board.

So the rule I build to is that every figure has to come from one engine rather than one per screen. When two screens compute the same thing separately they drift, and in this product drift means telling somebody they can retire when they cannot. That sounds like an internal concern, and it is — right up until it is your retirement date on the screen.

What it tracks

• Pensions, all four kindsWorkplace and personal DC pots, SIPPs, and defined-benefit or career-average schemes recorded as income with their own scheme pension age. AVCs can be linked to the scheme they belong to.
• ISAs and investmentsStocks & shares and cash ISAs, general investment accounts, individual holdings, Premium Bonds with the live NS&I prize rate, and crypto if you hold it.
• Property and the mortgage against itEquity rather than headline value, with the mortgage paying down month by month and rolling onto a revert rate when the deal ends.
• DebtMortgages, loans, cards and finance, with the date each one clears.
• TaxTake-home pay, dividends, savings interest against the Personal Savings Allowance, capital gains and inheritance tax — on rUK or Scottish rates as appropriate.
• Both of youHousehold planning models a couple together or separately, without one person's figures quietly becoming the other's.

How it works

1. Enter what you have. Once, by hand, or imported from a spreadsheet. Ten minutes for most people.
2. Say what you expect. Retirement age, contributions, a growth assumption. Every one of them is visible and changeable, and each projected figure tells you which assumptions produced it.
3. Read the forecast. Month by month to 99 — what you will have, what it pays you, what tax you pay on it, and whether it lasts.
4. Update monthly. A couple of minutes. The trend is the point, not the daily wiggle.

Both halves, without the bank connection

UK money apps usually split in two. All-in-one apps plug into your current account and sort last month's transactions. Dedicated wealth dashboards follow what you own against what you owe and ignore spending entirely. WealthR does both, and does neither of them by reading your bank.

The wealth side tracks ISAs, SIPPs, workplace and defined-benefit pensions, property equity rather than property value, physical assets, crypto, and student loans on Plans 1, 2, 4 (Scotland), 5 and Postgraduate. Holdings can be held in 16 currencies and converted to sterling, and listed shares, funds and crypto can pull a live price from their ticker.

The budgeting side takes what you earn and what you spend across ten categories — housing, utilities, groceries, eating out, transport, subscriptions, childcare, insurance, debt repayments and everything else — and sets each against UK averages and the share of income it typically takes, then shows your monthly surplus and savings rate.

What it does not do is import your transactions. There is no bank feed and nothing is categorised automatically, because there is no bank connection anywhere in the product. You type the figures in, which takes a couple of minutes a month. The next section explains why that trade is deliberate.

Why there is no bank linking

Every tracker that links to your bank asks you to hand a third party continuous read access to your accounts. Many people are comfortable with that. I was not, and building a product I would not use myself seemed like a poor start.

There is a second reason that matters more in practice. Bank feeds are good at the money you spend and bad at the money that decides your future. They see a current account beautifully and cannot see a defined-benefit pension at all — and for people approaching retirement the DB pension is frequently the single largest thing they own. A tracker optimised around the feed ends up optimised around the least important half of the picture.

So WealthR is manual by design. It costs you a few minutes a month and it means your figures sit in one encrypted database in the EU, with no third party holding credentials to your accounts. WealthR Ltd is registered in Scotland (SC900929) and with the ICO (ZC243084).

Free UK calculators, no sign-up needed

If you want to test one question before trusting anything with the whole picture, all 32 calculators are free and need no account.

• FIRE number
• Coast FIRE
• Will my money last?
• Salary sacrifice
• Pension annual allowance
• State Pension and tax
• Cash ISA limit 2027
• All 32 calculators →

And if the question you are really asking is a narrower one, there is a page for it: when you can retire and whether it lasts, the four kinds of UK pension in one place, or your FIRE number and the bridge to 57.

Questions people ask

WealthR Ltd is not authorised by the Financial Conduct Authority and nothing here is personal advice or a recommendation to buy, sell or hold anything. WealthR shows you what the UK rules do to your own figures and what follows from them; the decisions are yours. For regulated advice, speak to an FCA-authorised adviser or MoneyHelper. Tax figures are for 2026/27 and change.