WealthTrack

Welcome to WealthTrack

Welcome

WealthTrack helps you project and protect your financial future by combining the value of your current assets, recurring contributions, and growth assumptions. You can run "what-if" events, explore future portfolio values, and save snapshots to track progress on the path to your financial goals.

Quick start

  • Create multiple profiles to keep scenarios separate (e.g., Personal, Partner, Joint, Experiments).
  • Add your assets on the Financial Inputs page. The Forecasts tab unlocks once you have financial data, and setting a wealth goal adds goal-focused insights. Portfolio Insights shows up after you add your first asset.
  • Set expected growth rates to inform projections.
  • Explore future portfolio projections from the Forecasts page.
  • Add future one-off events to simulate gains/losses.
  • Run stress tests from Portfolio Insights to see how random market events could impact your projections.
  • Save snapshots and review your history on the Snapshots page.

Where to find things

  • Profiles: manage and switch profiles from the Settings & Data page.
  • Financial Inputs: capture assets, liabilities, and goals.
  • Forecasts: run projections, simulate one-off events, and use the Forecast Progress Check card to compare against snapshots.
  • Portfolio Insights: see allocation, passive income, stress testing, and inflation impact.
  • Snapshots: save your totals and review how your wealth has changed over time.
  • Calculators: run one-off financial calculations.
  • Settings & Data: update theme, manage profiles, and export/import your data (optional password protection).

Try a demo

Load sample data to explore forecasts and insights in seconds.

Demo data creates a sample profile you can delete anytime.

Use Profiles

Create unique profiles (for example, Personal vs. Joint or different strategies) and switch them from the Settings & Data page. Your assets, events, and goals stay separate per profile.

Financial Inputs

Capture your assets, liabilities, and goals here. These details inform your future-focused Forecasts and support the current position insights on the Portfolio Insights page.

Income

Track recurring net income (e.g. salary, rental profit) that boosts your cash flow. Use this for monthly take-home pay; keep investments and growth assumptions in Assets.

Enter what you actually receive after tax and deductions.

If you receive multiple payments per month, enter the combined monthly amount.

Leave blank to start immediately. Forecasts begin on the selected date.

Name Start Date Amount Actions

Expenses

Track recurring costs such as rent, bills, and subscriptions so forecasts can reflect cash leaving your budget.

Leave blank to start immediately. Forecasts begin on the selected date.

Name Start Date Amount Actions

Assets

Add investment balances and recurring deposits, then set growth assumptions to project your future wealth. Use Income for net pay; use this card for savings and investments.

Forecasts assume contributions are received at the end of each period.

Leave blank to start immediately. Forecasts and contributions begin on the selected date.

Turn on to keep this asset's deposits out of net cash flow tooltips while still including them in growth projections.

If off, this asset will be excluded from Estimated Passive Income on the Portfolio Insights page.

Determines how this asset uses your UK allowances and tax band in projections. Adjust the defaults from the Settings page.

Liabilities

Track debts and repayments to see how balances and scheduled payments affect your wealth.

Leave blank to treat this liability as active immediately. Balances and payments begin on the selected date.

Name Start Date Current (£) Payment Actions

Goal

Set a wealth goal and target year to guide your forecasting and progress tracking.

Forecasts

Explore future value forecasts informed by your inputs. Use these tools to model scenarios, see projected growth, and understand when goals could be reached.

Scenario Modelling

Model one-off future gains or losses to see their impact on your forecasts.

If no asset is linked, the event adjusts your overall portfolio balance.

Choose whether the event is a gain or loss, then enter the absolute amount or percentage impact you want to simulate.

Scenario modelling status

One-off events you add below are applied to all forecasts.

Turn this off to temporarily exclude every one-off event from all forecasts. Your events stay saved, so you can re-enable Scenario Modelling at any time to compare results.

Event Date Asset Amount Actions

Future Wealth

Click legend items to show or hide lines on the chart.

Tip: On mobile you can drag to pan, pinch to zoom, and tap an empty area to hide the tooltip.

Current totals and projected goal achievement dates based on your inputs.

Total Current Wealth

£0

Future Portfolio

Select a growth scenario and future date to see how your assets could evolve based on your forecasts. Forecasts include any one-off events you've added through the Scenario Modelling card when the toggle is on.

Select a growth scenario and future date to see the projected breakdown, including any one-off Scenario Modelling events while the toggle is enabled.

Suggested Milestones

We blend the low, expected, and high growth forecasts to surface rounded milestones for the next 1, 3, and 5 years so you can see what the projections suggest.

Figures are averaged across scenarios and usually rounded to the nearest £10,000. When the high growth outlook leaves headroom, we round up to the next £100,000 and flag it as an optimistic stretch goal.

Stress Testing (Monte Carlo Simulations)

Run Monte Carlo simulations with random market events (±15%) to see how they affect your goal timeline.

FIRE Readiness (Passive Income Forecast)

Project when the assets you have marked as providing passive income could cover your living costs under each growth scenario. The projection compounds each asset using its low, expected, and high returns, estimates the annual passive income, and compares it to your costs with and without inflation.

Mark at least one asset as “Passive Income” for this card to use its forecasts. Living costs should be entered in today's money. We adjust them for inflation and optionally begin checking from your intended retirement date.

Portfolio Insights

Review insights that reflect your current position as of today. These cards use the balances and settings you've entered without projecting them forward. As these are based only on your current portfolio, the values do not include one-off events used for scenario modelling.

Net Cash Flow

Monthly income minus expenses and any included recurring contributions that are active today.

Monthly net

£0

Add an income or expense to see how your monthly net cash flow is calculated.

Portfolio Allocation

Current Total

£0

No assets added. Add an asset on the Financial Inputs page to see your breakdown.

Estimated Passive Income

Based on expected annual returns after tax and current values. Update your tax settings to change these net figures.

Defaults to today. Future dates apply scheduled one-off events.

Choose which passive income assets to include in this estimate.

Daily

£0

Weekly

£0

Monthly

£0

Excludes new contributions; shows growth from appreciation only, using your selected date when provided.

Snapshots

Save Snapshot

Save your current totals to track progress over time.

Saved Snapshots:

    Snapshot History

    Snapshot Comparison

    Review how your portfolio has changed since a saved snapshot. Compare against your current assets or a snapshot captured after the one selected.

    Take or import snapshots to unlock comparisons.

    Forecast Progress Check

    See how you're tracking against the expected forecast projection that was saved with a snapshot.

    Take a snapshot to unlock forecast progress comparisons.

    Calculators

    UK Take Home Pay

    Estimate your annual and monthly take home pay using a UK tax code, salary sacrifice for pension, and optional student loan repayments.

    PAYE calculations use cumulative payroll inputs such as how many payslips have elapsed and how much income tax has already been paid this year. This calculator applies a simplified estimate without those details, so your payslips may differ.

    UK thresholds are frozen through 2029/30; pick a future year to explore scenarios.

    Defaults to the standard UK code. Adjust if your code differs.

    Adds a single bonus to your next payslip so you can compare your regular month, bonus period, and yearly totals.

    Salary sacrifice reduces taxable pay and NI. Relief at source takes the contribution from take-home; we assume 20% basic-rate tax relief is added to the pot.

    UK Tax Impact Estimator

    Estimate the annual tax due on an asset using your tax settings. Select an existing asset to use its current value and growth assumptions, or keep manual entry to model a what-if scenario.

    Manual scenario. The allowances above are applied entirely to this asset.

    Results are annual and use the allowances set above. Tax estimates are illustrative and assume UK rules.

    Share Target Profit (%)

    Share Target Profit (£)

    Compound Interest

    Simple Interest

    Passive Income Target

    Interest Rate Difference

    Calculates the yearly interest each bank would pay and shows the difference down to the penny.

    FIRE (Simple)

    How this works

    Your FIRE (Financial Independence, Retire Early) number is the lump sum you need so your investments can pay for your living costs throughout retirement.

    This simple version uses:

    • Your yearly living costs - what you expect to spend each year.
    • Safe Withdrawal Rate (SWR) - the % you feel comfortable taking from your pot each year (4% is a common rule-of-thumb).

    Your FIRE number is just your yearly costs divided by your SWR. Example: £25,000 a year and a 4% SWR would be calculated as £25,000 / 0.04 = £625,000. The progress bar compares this target with your current net worth.

    We'll convert monthly spending into an annual figure for the calculation.

    Classic rule-of-thumb is 4%. Adjust to your preference.

    Enter your living costs to see your FIRE target.

    Settings & Data

    Version

    WealthTrack version dev

    Installs the latest version without clearing your saved profiles or data.

    Profiles

    Create and switch between profiles to keep scenarios separate. Assets, events, snapshots, and goals are saved per profile.

    UK Tax Settings

    Choose your UK tax band and adjust annual allowances. Forecasts and passive income use these values to model net, after-tax growth for taxable assets.

    Allowances apply per tax year across all assets marked as taxable. Changes update forecasts automatically.

    Layout Settings

    Choose a look and feel. Your choice is saved for next time.

    Decide whether the navigation menu stays fixed at the top while scrolling on mobile devices.

    Show or hide the welcome page and other guidance cards once you're familiar with the app.

    Import Data

    Import previously saved data to restore your information.

    Profiles from the selected file will appear here once the password (if any) is provided.

    Export Data

    Export data with an optional password for backup or use on another device.

    All profiles are selected by default. Deselect any you don't want to include.

    Reset App

    Clear all locally stored data and restart the app.

    Changelog

    The five most recent WealthTrack updates can be found below.