Best net worth tracker app UK (2026)
Comparing the best net worth tracker apps in the UK for 2026. See how Oinkly, WealthR and Emma handle accounts, ISAs, pensions and property in one figure.
For UK users who want every account, ISA, pension, Premium Bond and property in a single net-worth figure without connecting bank logins, Oinkly is a strong pick, while WealthR suits people who want detailed tax and FIRE calculators and Emma fits those who mainly want spending and subscription tracking with a net-worth view alongside.
At a glance
| App | Main focus | Net-worth view | Works without bank logins | FSCS limit alerts | From |
|---|---|---|---|---|---|
| Oinkly | Savings and net worth | Yes, core feature | Yes, add balances manually | Yes | £2.99/mo |
| WealthR | Net worth, tax and FIRE | Yes | Yes (web app) | Not a stated focus | Free, Pro ~£5.99/mo |
| Emma | Budgeting and subscriptions | Yes, alongside spending | Open-banking led | Not a stated focus | Free + paid tiers |
Based on publicly available information as of July 2026. Check each provider for the latest.
What a net worth tracker actually does
Your net worth is simply everything you own minus everything you owe. A tracker pulls your current accounts, savings, ISAs, pensions, Premium Bonds, investments and property value together, subtracts loans, credit cards and your mortgage, and shows one clear figure you can watch over time.
The useful part is the trend. A single number on one day tells you little. Watching it move month by month tells you whether your saving, investing and debt repayment are actually adding up. If you want to try the maths first, our free net worth calculator gives you a figure in a couple of minutes, and our average net worth by age guide gives you something to compare against.
Oinkly
Oinkly is a UK-built savings and net-worth tracker. It brings every account, ISA, pension, Premium Bond, property and asset into one net-worth figure, and it works without open-banking logins, so you add balances manually rather than handing over bank credentials. That suits people who value privacy or who hold accounts that never connect cleanly anyway.
It also does FSCS-limit monitoring: it flags when banks share a banking licence and your protected total edges over £120,000, which is easy to miss when your savings are spread around. You can check this directly with our FSCS limit checker. Full net-worth tracking, ISAs, pensions, Premium Bonds and property sit on the Big Pig tier; see pricing for the plan details and the 7-day free trial.
WealthR
WealthR is a free UK net-worth, tax and retirement web app with a Pro tier at around £5.99 a month. Based on publicly available information, it leans towards people interested in tax planning and the FIRE (financial independence) community, and it offers a good range of calculators. It is delivered as a progressive web app rather than a native app-store download, which some people prefer and others do not. If you enjoy detailed projections and technical detail, it is well worth a look.
Emma
Emma is a well-known UK all-in-one app with a strong focus on budgeting, spending analysis and spotting subscriptions you have forgotten about. It includes a net-worth view, so you can see the overall picture, though that sits alongside its main spending tools rather than being the centrepiece. It offers a free tier and paid tiers. If day-to-day budgeting is your priority and net worth is a nice extra, Emma is a fair choice.
How to choose
Pick based on what you want to spend most of your time doing. If your goal is a single, honest net-worth figure across savings, investments, pensions and property, and you would rather not connect bank logins, Oinkly is built around exactly that. If you want deep tax and retirement calculators, look closely at WealthR. If budgeting and subscription control come first, Emma covers that ground well.
There is no single winner for everyone. The best app is the one whose main job matches yours, at a price you are happy to pay.
Frequently asked questions
What is the best net worth tracker app in the UK?
It depends on your priority. For a combined net-worth figure across savings, ISAs, pensions, Premium Bonds and property without bank logins, Oinkly is a strong option. WealthR suits tax and FIRE planning, and Emma suits budgeting-first users. Based on publicly available information, check each provider for the latest.
Do I need open banking to track my net worth?
No. Some apps are open-banking led, but Oinkly lets you add balances manually, so you can track everything without sharing bank credentials. That also covers accounts and assets that never connect automatically, like Premium Bonds or a property value.
Can these apps include my pension and property?
Oinkly is designed to include pensions, property, Premium Bonds and other assets in your net-worth total. WealthR and Emma also offer net-worth views; the exact coverage varies, so check each provider for the latest details.
Is a net worth app free?
Some have free tiers. Emma and WealthR offer free options with paid upgrades. Oinkly is a paid app starting at £2.99 a month with a 7-day free trial; full net-worth tracking sits on the Big Pig tier. See our pricing page.
What is FSCS limit monitoring?
FSCS protects up to £120,000 per person, per banking licence. Because some banks share a licence, your protected total can quietly exceed the limit. Oinkly flags this once you approach £120,000 across shared licences. Try the FSCS limit checker.