For Individuals - Personal financial planning

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Affordable Planning

Access comprehensive financial planning tools from just £9/month. Great on its own, or as a companion to professional advice — so you always understand your numbers.

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Your Goals, Your Control

Nobody cares more about your retirement than you. Make informed decisions with powerful visualisation tools that show exactly where you're headed.

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Built for the UK

UK State Pension, ISAs, workplace pensions, inheritance tax - all the UK-specific rules are built in. No American software with retrofitted UK settings.

How Wealth365 Works

A simple, guided approach to comprehensive financial planning

Enter Your Details

Tell us about your income, pensions, savings, property, and goals. Our guided Fact Find makes it easy to capture everything in logical sections — with progress tracking so you never lose your place.

Fact Find Property section showing home details, mortgage, and ownership

Add Your Finances

Enter your pensions, ISAs, investments, property, and debts. Track multiple pension schemes, see live investment prices, and monitor your full property portfolio with mortgage details.

Financial Projections showing net worth, sustainable spending, and on-track percentage

See Your Projections

Instantly visualise your retirement trajectory with year-by-year financial statements. See your net worth, sustainable spending, and on-track metrics at a glance.

Net worth projection chart showing growth across pensions, ISAs, property, and cash

Test with Monte Carlo

Run 1,000 market simulations to stress-test your plan. See the range of possible outcomes and your probability of plan success — so you know how resilient your strategy really is.

Monte Carlo simulation fan chart showing portfolio outcome scenarios

Explore Scenarios

What if you contributed more? Retired earlier? Create quick copies or use guided wizards to build scenarios, then compare them side-by-side to find your optimal path.

What-If Scenarios with guided wizards and side-by-side comparison

Generate Reports

Build professional reports from 22 configurable sections. Download as PDF for your records, or export to Excel for your own analysis.

Report Builder with configurable sections and PDF export

Perfect For

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Self-Directed Investors

You manage your own ISA and SIPP. Get professional-grade projections and scenario analysis to make confident, informed decisions about your investments.

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Public Sector Workers

Teachers, NHS staff, civil servants with DB pensions. Understand how your final salary scheme fits with other savings.

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Property Investors

BTL landlords planning to use property as part of retirement income. Model rental income, CGT, and how property fits your overall plan.

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Couples Planning Together

Model joint finances, spouse State Pensions, and how your combined wealth provides income through retirement.

More Than Just Projections

Professional-grade tools that go beyond basic pension calculators

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AI Planning Assistant

Ask questions in plain English and get instant answers about your plan, tax rules, or financial strategies. Guidance whenever you need it.

Natural language questions
UK tax rule explanations
Strategy suggestions
Always available in-app

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Tax Wrapper Optimisation

Automatically work out the most tax-efficient order to draw from your ISA, pension, and investment accounts in retirement. Minimise your lifetime tax bill.

ISA/Pension/GIA ordering
Tax-efficient withdrawals
Lifetime tax minimisation
Customisable priority

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Education & School Fees

Model school and university costs per child with UK benchmarks. See the real cost of state, independent day, boarding, or university over time.

Per-child cost modelling
State to boarding benchmarks
Education inflation (4% default)
Year-by-year cost timeline

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Capacity for Loss

Understand exactly how much your investments can fall before your retirement goals are at risk. Essential for choosing the right risk level.

Maximum loss threshold
Goal impact analysis
Risk-appropriate investing
Clear percentage result

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Report Builder & Excel Export

Generate comprehensive reports from 22 sections. Download as PDF or export your data to Excel for your own analysis.

22 configurable report sections
PDF & HTML export
Cash flow to Excel
Monte Carlo data export

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Fund & Holdings Lookup

Track individual funds within your pension pots. Search by name or ISIN to see live prices, ongoing charges (OCF), and 1/3/5-year performance.

Search funds by name or ISIN
Live price updates
Ongoing Charge Figure (OCF)
Performance history

Want Professional Guidance?

Wealth365 gives you the clarity to plan with confidence. But when your situation calls for personalised advice, connecting with a qualified adviser is the natural next step.

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Know Your Numbers First

Use Wealth365 to build your financial picture. You'll walk into any adviser meeting fully prepared.

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Find the Right Adviser

Browse 5,800+ FCA-regulated firms in our directory. All Companies House verified, free to search.

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Get More From Advice

Clients who understand their own finances get better outcomes from professional advice.

Browse Our Adviser Directory

Frequently Asked Questions

Do I need financial knowledge to use Wealth365?

No specialist knowledge required. Our guided forms and clear explanations help you understand each concept. We use plain English, not jargon.

Is this regulated financial advice?

No - Wealth365 is a planning tool that helps you understand your finances. We don't provide personalised financial advice. For complex situations, we strongly recommend working with a qualified financial advisor — and Wealth365 can help you get more from those conversations by giving you a clear picture of your numbers beforehand.

How accurate are the projections?

Our calculations use the same methodologies as professional advisors. We include UK 2026/27 tax rules, State Pension calculations, and standard actuarial projections. However, all projections are estimates based on assumptions you provide.

Can I share my plan with a spouse or partner?

Yes! Wealth365 supports joint planning with spouse details, combined projections, and family member modelling.

Professional Tools, In Your Hands