Private Finance Tracker · No Bank Linking · Free

Know your net worth
in your currency

A free private finance tracker with no bank linking — Monarch, YNAB and Copilot Money alternative for Android, iPhone and any browser

Wealthr Overview screen showing a £269,518.66 net worth with portfolio, bank, crypto, pension, property and credit card cards
Wealthr Asset Breakdown and Spending Breakdown donut charts
Wealthr Portfolio holdings showing live stock prices, average cost, P&L and CSV import/export
Wealthr Bills and Subs Calendar for April 2026 with paid and upcoming items marked by colored dots
Wealthr Overview in US dollars showing a $31,135.74 net worth across portfolio, bank, crypto, pension, credit cards and loans
Wealthr Fixed Payments tab showing monthly and annual totals with auto-pay enabled on a £900 rent bill
Wealthr Pension tab in euros with projected pot, monthly income and tax relief calculations

A free private finance tracker with no bank linking. Track your bank accounts, stocks, crypto, pension, property, budget, bills and savings goals — all in one app. Now with on-device AI category suggestions for UK, US and EU merchants. Your data never leaves your device.

🚀 Try Wealthr Free — No Sign Up See All Features
No account needed · Works offline · Data stays on your device
£158,020
Portfolio
£8,356
Bank
£22,870
Pension
£34,200
Property
£107,000
15
Features
GBP/USD/EUR
Currencies
100%
Private
Free
To Use

Coming from another app? See how Wealthr compares to Monarch · YNAB · Copilot

Features

Everything you need to
understand your money

📊

Net Worth Overview

See your total and liquid net worth at a glance, with a beautiful breakdown of assets vs liabilities. Save monthly snapshots and watch your wealth grow over time with a history chart.
Live chartsHistory snapshotsAsset breakdown
💰

Budget & Bills

Set category limits, log spending instantly, track subscriptions, and manage recurring bills with due-date reminders. See exactly how your spending affects your net worth each month.
CategoriesBill remindersSubscriptionsRecurring
💵

Recurring Income

Track all your income sources — salary, freelance, rental income, dividends and more. See total monthly and annual income at a glance alongside your spending.
SalaryFreelanceRentalDividends
🎯

Savings Goals

Set savings goals for anything — holiday, car, house deposit, wedding. Track progress with a visual bar and see exactly how many months until you reach your target.
Visual progressMonthly trackerMonths to goal
📈

Stock Portfolio

Track US, UK and European stocks with live prices via Yahoo Finance. See total value, gain/loss, return percentage, and portfolio allocation. Interactive TradingView charts on every position.
Live pricesUS, UK & EUTradingView charts
₿

Crypto Holdings

Track Bitcoin, Ethereum, Solana and 15+ coins with live prices in GBP, USD or EUR. See 24h change, portfolio allocation, and all your holdings in one place.
CoinGecko24h change15+ coins
🏦

Bank Accounts

Add all your current accounts, savings, ISAs and fixed term accounts. Track interest rates, savings goals, FSCS protection status, and annual interest earned.
40+ UK banksFSCS badgesSavings goals
💳

Credit Cards & Loans

Track credit card balances, limits, APR and due dates. Add loans with full amortisation — see monthly interest vs principal, payoff date estimate and total interest remaining.
UtilisationAmortisationPayoff date
🏛️

Pension Tracker

Add workplace pensions, SIPPs and the State Pension. Get projected pot value at retirement, inflation-adjusted estimates, monthly income projections and tax relief calculations.
ProjectionsTax reliefAnnual allowance
🏠

Property

Track property values, mortgage balances and rental income. Property equity counts toward your net worth. Look up recent sold prices by postcode via Land Registry.
Equity trackingLand RegistryRental income
📄

PDF Financial Summary

Export a clean one-page financial summary as a PDF — net worth, all assets and liabilities, bank accounts, monthly budget breakdown, and savings goals progress in one document.
Print readyFull summaryShare with IFA
📰

Finance News

Live headlines from BBC Business, Sky News, CNBC, Bloomberg, Reuters, Guardian, FT, Investing.com and Yahoo Finance. Add tickers to your watchlist to highlight relevant stories.
9 sourcesWatchlistLive feed
📡

Live Market Data

Overview widget showing Bitcoin, Gold, central bank rate (BoE / Fed / ECB), FTSE 100 and S&P 500 — prices shown in your chosen currency, refreshed on demand.
BTCFTSE 100S&P 500Gold
💵

Income vs Spending Chart

6-month stacked bar chart breaking outgoings into bills, subscriptions, loans and budget spend. A surplus/deficit line shows whether you're ahead or behind each month — at a glance.
Stacked barsSurplus line6 months
🗓️

Bill Calendar

A visual monthly calendar showing every bill due date. Colour coded by urgency — red for overdue, amber for due within 3 days, blue for upcoming. Never miss a payment again.
Due datesUrgency coloursMonthly view
All 13 Tabs
📊
Overview
💰
Budget
🏦
Bank
📈
Portfolio
₿
Crypto
💳
Cards
📋
Loans
🏛️
Pension
🏠
Property
🔔
Bills
📰
News
⚙️
Settings
❓
FAQ
FAQ

Things people ask

No catch, no sign-up, no bank linking, no ads. Here's the honest answers to the questions that come up most.

Is Wealthr really free? +
Yes — Wealthr is free to use and the free plan includes all core features: net worth tracking, bank accounts, stock portfolio, crypto, pension, property, budget, bills, income and savings goals (with generous limits). Wealthr Pro is an optional upgrade at £2.99/$3.99/€3.49 per month that removes limits and unlocks advanced tools like CSV export, price alerts and unlimited accounts. No ads, no free trial tricks, no hidden fees.
Does Wealthr connect to my bank account? +
No. Wealthr never asks for your banking credentials and does not use Open Banking, Plaid, TrueLayer or any bank aggregator. You enter your balances manually and update them whenever you like. This means Wealthr cannot see your transactions, can never move money, and does not share data with any third party. If a finance app never has access to your bank, it can never lose access to your bank.
How does Wealthr keep my data private? +
All your financial data is stored in your browser's local storage on your own device. Nothing is sent to Wealthr's servers. There is no account to create, no email required, and no cloud sync. If you clear your browser data or uninstall the app, the data is gone — you are in full control. The only server calls Wealthr makes are to fetch public market data (stock prices, exchange rates, news headlines) and never include any of your personal figures.
Can I use Wealthr on iPhone and Android? +
Yes. Wealthr is a Progressive Web App (PWA) so it works on iPhone, iPad, Android, Windows, Mac and Linux — anywhere you have a modern browser. On iPhone tap the Share button in Safari then 'Add to Home Screen'. On Android tap the Chrome menu then 'Add to Home Screen'. Once installed it opens full-screen like a native app with no browser bars.
Does Wealthr work offline? +
Yes. Once loaded, the app works fully offline — you can add accounts, log spending, update balances and view all your data without an internet connection. Only live price feeds (stocks, crypto, exchange rates, news) need a connection; everything else uses local data.
What currencies does Wealthr support? +
Wealthr fully supports GBP (£), USD ($) and EUR (€) as the base currency for your net worth. You can switch between them at any time in Settings and every value converts using live exchange rates. Individual stocks are stored in their own native currency (e.g. Apple in USD, Barclays in GBP, ASML in EUR) so you see authentic pricing, while net worth aggregates everything to your chosen currency.
How does Wealthr track stocks and crypto? +
Stock prices come from Yahoo Finance and cover US tickers (AAPL, GOOGL, MSFT), UK listings (BARC.L, VOD.L, LLOY.L), and European stocks (ASML.AS, SAP.DE, SAN.PA). Crypto prices come from CoinGecko and support 15+ coins including Bitcoin, Ethereum, Solana, XRP and Cardano. You add tickers manually, tap refresh to update prices, and the app shows total value, gain/loss, return percentage and portfolio allocation. Interactive TradingView charts are available on every position.
Can I import or export my data? +
Yes. You can export your entire Wealthr data as a JSON backup file at any time and restore it later or on another device. You can also export a clean one-page PDF financial summary for your records or to share with a financial adviser. Pro users can additionally import and export portfolio positions as CSV.
What is the difference between Wealthr Free and Wealthr Pro? +
Wealthr Free includes all core tabs and features with sensible limits — 2 bank accounts, 3 portfolio positions, 3 crypto holdings, 3 bills, 3 subscriptions, 2 income sources, 5 budget categories, 1 pension and 1 property. Wealthr Pro removes every limit and adds CSV import/export, price alerts for stocks and crypto, and priority support. It costs £2.99 / $3.99 / €3.49 per month.
Can I cancel Wealthr Pro anytime? +
Yes. Wealthr Pro is a simple monthly subscription billed through Stripe — you can cancel anytime from the Stripe customer portal link inside the app. There are no contracts, no cancellation fees, and your data is never deleted when Pro ends. You simply return to the free plan limits and everything you've already entered stays intact.
✨ Free vs Pro

Start free. Upgrade
when you outgrow it

Every tab and feature is available on the free plan — just with sensible limits so power users pay and casual users don't have to. Nothing is locked behind a paywall you actually need to get started.
Free
£0/forever
No sign up · No card required
✓ 2 bank accounts
✓ 3 stock positions
✓ 3 crypto holdings
✓ 3 bills + 3 subscriptions
✓ 2 income sources
✓ 5 budget categories
✓ 1 pension · 1 property
✓ Unlimited loans, cards, goals
✓ All charts & news
✓ PDF export & JSON backup
POPULAR
Pro
£2.99/month
$3.99 · €3.49 · cancel anytime
✓ Unlimited bank accounts
✓ Unlimited stocks & crypto
✓ Unlimited bills & subs
✓ Unlimited income sources
✓ Unlimited budget categories
✓ Unlimited pensions & properties
✓ Everything on the free plan
✨ Price alerts (stocks + crypto)
✨ CSV import & export
✨ Custom app name
✨ Try Free — Upgrade to Pro in App →
🔒
Your data stays on
your device
We never see your financial data. Everything is stored in your browser's local storage — no accounts, no cloud sync, no bank linking required. Just open the app and start tracking.
✓ No sign up required
✓ No bank linking
✓ No ads ever
✓ No data collection
✓ Works offline
✓ Install as an app

Start tracking your
wealth today

No sign up. No bank linking. Opens instantly in your browser or install it on your phone as an app. Free forever for core features.
🚀 Try Wealthr Free — No Sign Up