WLTHGet the app

Net worth, kept simply

Growth apart
from saving.

A private record of everything you own and owe. Update it once a month, and WLTH keeps the history, does the maths, and works out the year you can stop.

No receipts. No categories. No tracking every coffee.

Download on the App StoreGet it on Google Play

Coming soon to the App Store and Google Play

Simple by design

You do not have to track every coffee to build wealth.

WLTH is not a budgeting app. There is no spending feed, nothing to categorise and no receipts to photograph. Wealth is a handful of large numbers moving in the right direction, so those are the only numbers it asks you for.

Once a month

Update what actually moved — the house, the pensions, the funds. It takes about five minutes.

Or bring the spreadsheet

CSV import backfills the years you have already been keeping, so the chart starts where your record does.

Then leave it alone

Sync keeps your devices level and one reminder a month, by push or email, is the only nudge you get.

The difference

£1,000 a month into a savings account is not 41% growth.

Most trackers charge every pound you pay in to performance. WLTH measures the two apart, using Modified Dietz, so the chart tells you what the market did and what you did.

Most trackers

+41.0%

Reported growth

Started at £30,000, finished at £42,310.00. The £12,000 you paid in is counted as though the market earned it.

WLTH

Saved
£12,000
Earned
£310.00 +0.9%

The same year, measured properly. One number is your discipline. The other is the market.

What you get

The wealth tab

The chart, and everything under it.

1Y, 2Y, 5Y, 10Y or all of it, with drag-to-scrub back to any day. Every asset keeps a full, editable history underneath, so a correction three years ago fixes the whole line.

Insight cards

Pro

Cards that read the history back to you.

Saved vs earned. Every month, as a heatmap. Assets vs debt. Emergency fund. Liquidity and asset-class breakdowns. Enough to see the shape of the last five years in about a minute.

Projections

Pro

The year you can stop.

Coast FIRE, FIRE and your earliest retirement date, worked out from your own numbers and your pension access age — plus an unlock schedule for when each pension actually becomes accessible.

Currency exposure

Pro

Any currency, at the rate of its own date.

Hold an asset in any currency you like. Each value is converted using the real exchange rate for the date it was recorded, so the history stays honest when the pound moves.

Privacy

Lose the phone, keep the book.

WLTH is a ledger you write yourself. That is the point of it, and it is why there is so little here for anyone to take.

No bank connections

Nothing is linked and nothing is read. You enter what you own and owe, and update it when you like.

Offline-first

Everything lives in a database on your device. It syncs to our API so your devices agree, and it opens on a plane.

Apple or Google sign-in

That is the whole of it. There is no password of ours for anyone to leak.

Backup and export

Full JSON backup and CSV export, one tap each, whenever you want them.

Deletion means deletion

Delete your account and it is genuinely gone, not flagged as hidden.

The full detail is in the privacy policy. It is short.

Pricing

Pro is the insights, not the app.

The free tier is the whole tracker, permanently. Pro adds the cards that read your history and the projections that look forward.

Free

  • The whole Wealth tab
  • Every asset screen, full editable history
  • Sync across your devices
  • JSON backup and CSV export
  • CSV import to backfill history
  • Monthly reminder

WLTH Pro

  • Everything in Free
  • Saved vs earned
  • Every month, as a heatmap
  • Unlock schedule and emergency fund
  • Assets vs debt, currency exposure
  • Coast FIRE, FIRE and retirement dates

Current pricing is shown in the app

Write it down once a month.

The app does the rest of it. Free on iOS and Android.

Download on the App StoreGet it on Google Play

Coming soon to the App Store and Google Play

Questions? Get in touch.