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.

Assets & Contributions

Add assets and recurring deposits, then set growth assumptions to project your future wealth.

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

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

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 & Payments

Track debts or recurring expenses that reduce 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

Goals

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.

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.

Goal Achievement

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

Total Current Wealth

£0

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.

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

    Share Target Profit (%)

    Share Target Profit (£)

    Compound Interest Calculator

    Simple Interest Calculator

    Interest Rate Difference

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

    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.

    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.