The Net Worth Tracker Built for the UK
US apps don't understand ISAs, SIPPs, or buy-to-let equity. UK budgeting apps track your transactions but not your wealth. Richify is the net worth tracker built for British investors — ISA, pension, FTSE, property, and student loan in one GBP view.
Quick Answer
The best net worth tracker for the UK in 2026 is Richify. It handles Stocks & Shares ISA, SIPP, workplace pension, FTSE stocks and ETFs, buy-to-let property equity, student loan (Plan 1/2/4/5), Premium Bonds, and crypto — all in GBP. Benchmarks against ONS median wealth by age. Free. No Open Banking required.
What Makes a UK Net Worth Tracker Different
ISA Wrappers
Stocks & Shares ISA, Cash ISA, and Lifetime ISA balances — each with different tax treatment. Track total ISA wealth across all providers in one view.
SIPP & Workplace Pension
For most UK workers over 40, pension wealth exceeds all other assets combined. Auto-enrolment has made this the default largest wealth store.
Buy-to-Let Property
Property minus outstanding mortgage = equity. Track each investment property separately with rental yield and capital appreciation in GBP.
Student Loan
Plan 1, 2, 4, and 5 — income-contingent repayments that function like a graduate tax. Include the balance as a liability for an honest net worth figure.
Crypto
BTC, ETH, and altcoins alongside traditional assets. UK CGT applies above the annual exempt amount — keep it in your net worth picture.
Cash & Premium Bonds
Savings accounts, fixed-rate bonds, and NS&I Premium Bonds. Premium Bonds count as cash — include them in your liquid wealth.
UK Net Worth Tracker Comparison
| App | ISA | Pension | GBP | Property | AI | Free |
|---|---|---|---|---|---|---|
| Richify | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Emma | ✗ | ✗ | ✓ | ✗ | ✗ | ✓ |
| Plum | ✗ | ✗ | ✓ | ✗ | ✗ | ✗ |
| Hargreaves Lansdown | ✓ | ✓ | ✓ | ✗ | ✗ | ✗ |
| PocketSmith | ✗ | ✗ | ✓ | ✗ | ✗ | ✗ |
| Google Sheets | ✓ | ✓ | ✓ | ✓ | ✗ | ✓ |
Based on publicly available features as of June 2026.
Frequently Asked Questions
What is the best net worth tracker for the UK in 2026?▼
For UK-specific net worth tracking — ISA wrappers, SIPP and workplace pension, GBP-denominated portfolios, buy-to-let equity, and student loan repayment (Plan 1/2/4/5) — Richify is purpose-built. US-first apps like Mint (shut down 2024), YNAB, and Empower do not natively model ISAs, UK pension structures, or GBP as a home currency. UK budgeting apps like Emma and Plum focus on transaction aggregation rather than total wealth tracking. Richify is manual-entry by design — no bank credentials stored, no Open Banking required.
Why don't Mint, YNAB, or Empower work for UK users?▼
They were built around US tax structures, USD accounts, and US retirement vehicles (401k, IRA, HSA). None of them model ISA allowances or the tax-free compounding inside a Stocks & Shares ISA; none of them handle SIPP contributions, pension annual allowance, or tapered allowance; none of them surface ONS median wealth benchmarks by age. Mint went further and shut down entirely in March 2024. For UK users, US-first apps either miss your biggest wealth drivers (pension, often 30–50% of net wealth for over-40s) or force you to fudge it as a generic investment account.
What should a net worth tracker include for UK users?▼
A complete UK net worth view should include: (1) ISA balances — Stocks & Shares ISA, Cash ISA, Lifetime ISA — all tax-free. (2) SIPP and workplace pension — the pension annual allowance is £60k, and this is often the largest asset for over-40s. (3) Buy-to-let property — with outstanding mortgage to show true equity. (4) FTSE-listed shares and ETFs in GBP. (5) Student loan — Plan 1/2/4/5 income-contingent repayments. (6) Cash — savings accounts and Premium Bonds. Richify consolidates all of these into a single GBP net worth figure.
How does Richify benchmark my net worth against the UK average?▼
Richify uses ONS Wealth and Assets Survey data. Median total net wealth by age in the UK (ONS 2020–22): 25–34 approximately £97,000; 35–44 approximately £209,000; 45–54 approximately £375,000; 55–64 approximately £564,000. Property wealth is the dominant component for most age groups, followed by private pension wealth. These are medians — not averages, which are pulled significantly higher by the wealthiest households.
Does Richify connect to my ISA provider or bank?▼
No. Richify is privacy-first and manual-entry by design — no Open Banking connections, no ISA provider APIs, no Plaid or TrueLayer integration. You enter balances yourself from your Hargreaves Lansdown, Vanguard, or workplace pension portal. This is a deliberate trade-off: you give up automation, you gain the assurance that no data aggregator can be breached to expose your full financial picture.
See your total net worth in one view
ISA, pension, property, FTSE — all in GBP. Free.
Track My Net Worth Free →For educational purposes only. Not financial advice.