WealthR

Doughsense and WealthR are the two closest UK-native comparisons in this list. Both are projection-first planners built for UK investors and FIRE planners, both model UK income tax and tax wrappers properly rather than bolting UK rules onto a US engine, and both offer a genuinely capable free tier.

WealthR is a free, manual-entry web app that pairs net worth tracking with a full UK financial planner, with no bank linking by design. Doughsense covers the same UK planning ground and adds bank feeds, Monte Carlo stress-testing, native mobile apps, and a staged-edit loop for testing changes before you commit them.

At a Glance

Which Is Right for You?

Choose WealthR if you want the lowest-cost UK planner and prefer entering your data by hand. WealthR is free to use, with an optional Pro tier, and it covers UK income tax, all six tax wrappers, FIRE and retirement income modelling, buy-to-let cashflow, stress testing, and inheritance tax. Its no-bank-linking stance is a genuine privacy positive if you would rather nothing connected to your accounts.

Choose Doughsense if you want that same UK planning depth plus the things a manual-entry web app cannot do. On the Live tier, UK open banking feeds keep your balances and plan current without manual updates. Monte Carlo simulations test each milestone against 97 years of real market data, showing in what percentage of scenarios you hit your target on schedule, rather than a single deterministic stress case. Native iOS and Android apps mean your plan travels with you, and the staged-edit loop lets you change any figure, see the whole plan recompute instantly, and review the change before it commits.

12 financial health metrics -- covering savings rate, FI progress, cash runway, debt ratios, and more -- explain your position in plain English, and you can model a partner in your plan with their own tax schedule and pensions projected jointly. AI-assisted onboarding builds your plan in minutes. WealthR is cheaper; Doughsense earns the difference with bank feeds, probability-based stress tests, and mobile. For a US-first engine with UK presets, see our ProjectionLab comparison.

See It in Action

Doughsense Monte Carlo simulation showing confidence ranges for financial outcomes

Pricing

WealthR is free to use, with WealthR Pro as an optional upgrade at £4.99 per month or £39.99 per year (check their site for current rates). Doughsense is free forever with manual data, and its Live tier adds UK bank feeds and a self-maintaining plan for £10 per month or £80 per year, with a 14-day Live trial that starts when you connect your bank. WealthR is the cheaper option if manual entry suits you. Doughsense costs more on the Live tier, and in return connects to your bank, runs Monte Carlo, and works as a native mobile app.

Frequently Asked Questions

Is Doughsense or WealthR better for UK users?

Both are UK-native planners built for the same audience, so it comes down to what you value. WealthR is a free, manual-entry web app with a full UK income tax calculator, all six tax wrappers, FIRE modelling, and inheritance tax planning, at a lower price. Doughsense adds the things WealthR does not have: UK open banking feeds on the Live tier, Monte Carlo stress-testing, native mobile apps, and a staged-edit loop where you can change any figure and preview the impact before committing. If you want the lowest-cost UK planner and are happy entering data by hand, WealthR is excellent. If you want bank feeds, probability-based stress tests, and mobile apps, Doughsense goes further.

Does WealthR connect to my bank?

No. WealthR is manual entry only, with no bank linking by design, which some users prefer for privacy. Doughsense also lets you plan entirely with manual data for free, and adds optional UK open banking feeds on its Live tier so your balances and plan stay current without manual updates.

Does WealthR have Monte Carlo simulations?

WealthR offers a deterministic financial stress test, but not Monte Carlo simulation. Doughsense runs Monte Carlo across 97 years of historical market returns, showing in what percentage of scenarios you hit each milestone on schedule. If you want probability-based confidence rather than a single stress scenario, Doughsense is the stronger fit.

Can I try Doughsense before committing?

Yes. Doughsense is free forever with manual data, so you can build and explore a full plan without paying. When you want bank feeds and a self-maintaining plan, a 14-day Live trial starts the moment you connect your bank, with no card required to begin.