Oinkly vs WealthR
Oinkly vs WealthR compared fairly for UK users. Simple savings and net-worth tracking versus detailed tax and FIRE calculators. Honest pros, cons and pricing.
Oinkly and WealthR are both UK net-worth trackers, but Oinkly aims for a simple, jargon-free savings and net-worth figure with FSCS-limit alerts, while WealthR leans towards detailed tax and FIRE calculators for people who enjoy the technical side.
At a glance
| Feature | Oinkly | WealthR |
|---|---|---|
| Main focus | Simple savings and net worth | Net worth, tax and FIRE |
| Style | Jargon-free, plain English | Technical, calculator-rich |
| Native app | Yes | Web app (PWA), no app-store app |
| Works without bank logins | Yes, add balances manually | Yes |
| FSCS limit alerts | Yes | Not a stated focus |
| Tax and FIRE calculators | Simple tools | Extensive |
| Pricing | From £2.99/mo, 7-day trial | Free, Pro ~£5.99/mo |
Based on publicly available information as of July 2026. Check each provider for the latest.
What each app is for
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 offers a wide range of tax and FIRE (financial independence) calculators and leans towards people who enjoy detailed projections. It is delivered as a progressive web app rather than a native app-store download.
Oinkly is a UK-built savings and net-worth tracker with a deliberately jargon-free, plain-English style. It brings every account, ISA, pension, Premium Bond, property and asset into one net-worth figure, and it is designed to be quick to understand rather than to model every scenario. Try our net worth calculator to see the approach.
Simple versus technical
This is the main trade-off. If you like tax modelling, retirement projections and FIRE planning, WealthR gives you a lot to work with and is well worth exploring. If you find that kind of detail off-putting and just want a clear figure you can check in a minute, Oinkly is built around simplicity. Neither approach is wrong; they suit different people, and some savers genuinely prefer more depth while others prefer less.
FSCS protection and native app
Two practical differences stand out. Oinkly includes FSCS-limit monitoring, flagging when banks share a banking licence and your protected total nears £120,000, which WealthR does not set out to do; you can test it with our FSCS limit checker. And Oinkly is a native app, whereas WealthR runs as a web app. Some people prefer a web app they can open anywhere; others prefer a native app on their phone. It comes down to taste. Oinkly's full net-worth features sit on the Big Pig tier; see pricing.
Which should you choose
Choose WealthR if you want extensive tax and FIRE calculators and enjoy the technical detail, especially at its free tier. Choose Oinkly if you want a simple, plain-English savings and net-worth tracker with FSCS-limit alerts in a native app. Both are fair options; the right one depends on how much detail you actually want to engage with.
Frequently asked questions
Is Oinkly better than WealthR?
Neither is better overall. Oinkly aims for simple, jargon-free savings and net-worth tracking with FSCS alerts, while WealthR offers detailed tax and FIRE calculators. Choose based on how much detail you want.
Is WealthR a native app?
Based on publicly available information, WealthR is a progressive web app rather than a native app-store download. Oinkly is a native app. Some people prefer one, some the other. Check the provider for the latest.
Does Oinkly have tax and FIRE calculators like WealthR?
Oinkly offers simple tools rather than extensive tax and FIRE modelling. If detailed projections are important to you, WealthR is stronger there. If you want a clear figure without the depth, Oinkly suits that.
Does WealthR have FSCS limit alerts?
Based on publicly available information, FSCS-limit monitoring is not a stated focus for WealthR. Oinkly includes it and flags shared banking licences as you near £120,000. Try the FSCS limit checker.
How much do they cost?
WealthR is free with a Pro tier at around £5.99 a month. Oinkly starts at £2.99 a month with a 7-day free trial, with net-worth tracking on the Big Pig tier. See our pricing page.
Do both work without bank logins?
Yes. Both let you track your net worth without open-banking connections, so you can add balances manually and keep your credentials private.