Everything you need to plan and visualise your financial journey — all with UK 2026/27 tax rules built-in.
See your financial future through three standard accounting statements. The P&L shows what you earn and spend each year. The Cash Flow tracks actual money in and out. The Balance Sheet shows what you own versus what you owe.
Track every pension pot in one place — workplace DC, SIPP, personal pensions, and old employer schemes. Monitor values, contributions, and expected returns across your entire pension portfolio.
Calculate your State Pension entitlement based on National Insurance qualifying years. Includes triple-lock projections and gap analysis for understanding your NI record.
Model your 25% tax-free lump sum with the new Lump Sum Allowance cap of £268,275. Understand how to maximise your tax-free withdrawals at retirement.
Comprehensive UK tax calculator with all 2026/27 allowances, reliefs, and deductions. Create scenarios to compare different approaches.
See how surplus income could be allocated across ISA, Pension, and GIA based on allowance limits. View the effective tax rates for each wrapper.
Calculate relief from pension contributions, Gift Aid, EIS (30%), SEIS (50%), VCT (30%), and other tax-advantaged investments.
Track your principal residence, second homes, and your full buy-to-let portfolio. Model rental income, mortgage costs, and property appreciation across every property you own.
Calculate CGT on property sales with the £3,000 annual exemption. Includes main residence relief and BTL-specific calculations.
Track short-let and holiday property income alongside your other rentals. From April 2025 the FHL regime was abolished, so holiday lets are now taxed under the standard property rules built into our calculator.
Create unlimited scenarios to test different strategies. Use Quick Copy for full control or Guided Wizards for common questions like retiring earlier, buying a home, or increasing contributions. Compare any two scenarios side-by-side.
Run up to 500 market simulations to understand the probability of achieving your financial goals. Stress-test your plan against market volatility.
Side-by-side scenario comparison with pension projections, sustainable income (4% rule), and lump sum calculations. See which strategy wins.
Set the household's maximum tolerable loss and see whether the plan can survive it. The tool computes capacity as a % of the investable portfolio, then projects each funded goal under the loss scenario.
Stress-test your plan against elevated inflation periods. Understand purchasing power loss and how your assets hold up.
Track up to 10 protection policies including life insurance, critical illness, income protection, and death-in-service benefits.
Full UK IHT calculator with Nil Rate Band (£325k), Residence NRB (£175k), 7-year gifting with taper relief, and business reliefs.
Visual estate flow diagram showing estate distribution to spouse, beneficiaries, with IHT calculations and exemptions clearly displayed.
Prepare a structured information pack while you're well, so a surviving partner or executor inherits a clear picture of the household's finances instead of having to reconstruct it from scratch.
Simulate care costs (residential, nursing, home care) on wealth with UK 2024 estimates. Optional LTC insurance modelling included.
Model guaranteed income from annuity purchases with joint life, escalation, and guarantee period options. Calculate breakeven years.
Model income loss from illness/injury with insurance benefit calculations. Project savings depletion timeline and protection gaps.
Choose from 5 quick templates or build your own from 30+ configurable sections. Preview your report in real time, then download as branded PDF, interactive HTML, or a full data extract ZIP.
Build custom reports from 30+ configurable sections and 5 templates. Export as branded PDF, interactive HTML, or full Data Extract ZIP for offline analysis.
Xero-style Balance Sheet, P&L, and Cash Flow reports. Click through to individual journal entries with running balances and period comparisons.
Export cash flows, Monte Carlo results, and full reports to Excel. Download structured data for your own analysis or record-keeping.
Compare the tax impact of different drawdown orders across ISA, pension, and GIA accounts. Understand how each approach affects your lifetime tax position.
Model education costs per child across primary, secondary, sixth form, and university. Includes UK benchmarks from state school to boarding and education-specific inflation.
Visual timeline of life events and milestones with drag-and-drop repositioning. Model one-off windfalls, property sales, or large purchases at specific ages.
Track individual share and ETF holdings within your pension pots. Search funds by name or ISIN, with live prices, OCF data, and 1/3/5-year performance.
Every save creates an immutable snapshot for FCA compliance. Compare any two versions side-by-side, lock versions, and add advisor notes.
All sensitive client data is encrypted at rest using Fernet encryption. Role-based access, rate limiting, input validation, and comprehensive audit logging.
Found a better strategy? Promote any "what-if" scenario to become your main plan with one click. Your original plan is safely versioned.
A Wealth365 subscription gives you access to the full planning suite: pension and retirement projections, UK tax calculator, ISA planning, Monte Carlo simulation, scenario comparison, property and BTL planning, IHT analysis, mortgage modelling, and the report builder. See our pricing page for a full plan comparison.
Yes — every plan starts with a 30-day free trial and no credit card is required. You get full access to all features in your chosen plan during the trial period.
Both. Individual, Couple, and Family plans are designed for self-directed planners managing their own finances. Adviser plans add client management, CRM, white-label branding, and lead-matching features for IFAs and financial planners.
All sensitive fields are encrypted at rest using Fernet encryption (AES-128-CBC with HMAC-SHA256). Passwords are hashed with bcrypt and never stored in recoverable form. All connections are encrypted with TLS and sessions expire automatically after 30 minutes of inactivity. Read our full security policy.
Wealth365 is updated each April for the new UK tax year. Calculations cover income tax bands, National Insurance, the Personal Allowance taper, ISA allowances, pension annual allowance, the Lump Sum Allowance (PCLS cap of £268,275), State Pension qualifying rules, and current CGT rates.
Every feature shows where data flows through the app:
Start your free trial and explore all the tools Wealth365 has to offer.