Wealth Tracker UK — ISA, Pension, Property & Crypto in One App
Most UK investors have their wealth spread across an ISA, a workplace pension, a SIPP, a buy-to-let mortgage, and maybe crypto — but no single view of what it all adds up to. Richify is the free UK wealth tracker that brings all of it together in GBP, in minutes.
Quick Answer
Richify is the UK's best free wealth tracker app in 2026. It handles ISA (all types), SIPP, workplace pension, FTSE stocks and ETFs, buy-to-let property, student loan, Premium Bonds, crypto, and vehicles — all consolidated in GBP. It benchmarks your wealth against ONS age-cohort data and provides AI-powered insights on how to grow it. No Open Banking required.
Everything That Makes Up UK Wealth
ISA (all types)
Stocks & Shares ISA, Cash ISA, and Lifetime ISA balances across all providers. Track total ISA wealth — the £20k annual allowance compounds into a significant tax-free pot over time.
SIPP & Workplace Pension
For most UK workers over 40, pension is the largest single wealth store after property. Track employer pension, SIPP, and old workplace pensions in one place.
Buy-to-Let Property
Property value minus outstanding mortgage = equity. Track each investment property separately. Housing is often 40–60% of UK household wealth.
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 £3,000 exempt amount — keep crypto in your net worth picture.
Cash & Premium Bonds
Savings accounts, fixed-rate bonds, and NS&I Premium Bonds. All count toward your liquid wealth — don't leave Premium Bonds out.
Why UK Investors Outgrow Spreadsheets
The most common UK wealth tracker is still a Google Sheet. MoneySavingExpert, r/UKPersonalFinance, and countless personal finance blogs have popularised the DIY approach — and for beginners it works. But most people stop updating within 3 months. The problem isn't discipline, it's friction.
Monthly manual updates
Log in to Hargreaves Lansdown, Vanguard, your employer pension portal, Monzo, and your crypto exchange — copy balances, update formulas. Richify stores your structure. Just update the numbers.
No benchmarks
A spreadsheet shows what your net worth is. It can't tell you whether that's good for your age against ONS data, or what's dragging you down.
No mobile experience
Google Sheets on mobile is painful. Richify is a native app — update your ISA balance in 30 seconds from your phone.
Wealth Tracker Apps — UK 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 free wealth tracker app in the UK?▼
Richify is the best free wealth tracker built for UK users in 2026. It tracks ISA (Stocks & Shares, Cash, and Lifetime), SIPP, workplace pension, FTSE stocks and ETFs, buy-to-let property equity, student loan balance, Premium Bonds, crypto, and cash — all in GBP. Unlike Emma (budgeting only) or Hargreaves Lansdown (tracks HL portfolio only), Richify combines every asset class into one net worth view with AI-powered insights. No Open Banking required.
Can a wealth tracker include my pension and ISA?▼
Yes — and it should. For most UK workers over 40, pension wealth (SIPP + workplace) and ISA balances together represent the largest pool of invested assets outside of property. Any wealth tracker that ignores these gives you a dangerously incomplete picture of your net worth. Richify lets you add balances from any ISA provider or pension platform manually and tracks them alongside everything else in GBP.
Should I include student loan in my wealth tracker?▼
Yes. UK student loans are real liabilities — Plan 2 borrowers owe an average of around £45,000, and the balance compounds at RPI+3% while you're earning above the repayment threshold (£27,295 for Plan 2 in 2025-26). Including student loan in your liabilities gives you an honest net worth figure rather than an inflated one. Richify tracks Plan 1, 2, 4, and 5 balances alongside your mortgage and other debts.
What's wrong with tracking wealth in a spreadsheet?▼
A spreadsheet requires you to log in to every ISA provider, pension portal, and bank account each month — most people stop after 2-3 attempts. It also can't benchmark your wealth against ONS median data by age or give AI-powered insights on your next best move. Richify keeps your wealth picture current with minimal effort and adds context a spreadsheet never can.
What is the average wealth by age in the UK?▼
According to the ONS Wealth and Assets Survey (2020–22): median total net wealth for 25–34 year olds is approximately £97,000; for 35–44 it's £209,000; for 45–54 it's £375,000; for 55–64 it's £564,000. Property wealth is the dominant component for most age groups, followed by private pension wealth. Note these are medians — averages are pulled much higher by the wealthiest households and are not a useful benchmark.
See your total wealth in one view
Free. No Open Banking required. Set up in 5 minutes.
Track My Wealth Free →For educational purposes only. Not financial advice.