UK Personal Financial Planning Tools

💡

Affordable Planning

Access detailed financial planning tools from just £8/month inc. VAT. Great on its own, or as a companion to professional advice — so you always understand your numbers.

🎯

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.

🇬🇧

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.

📜

A Legacy Pack for Loved Ones

Your plan doubles as a survivor's information pack. Nominate successors or executors, store key documents, and spare your family the stress of piecing your finances together later.

How Wealth365 Works

A simple, guided approach to joined-up 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. Projections are based on the assumptions you enter and are not guaranteed outcomes.

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

Test with Monte Carlo

Run up to 500 market simulations to stress-test your plan. See the range of possible outcomes and a probability of not depleting funds — not a guarantee of results. Projections are not guaranteed; the value of investments can fall as well as rise.

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 see the effect of each change.

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

Generate Reports

Build professional reports from 30+ 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

👨‍💻

Self-Directed Investors

You manage your own ISA and SIPP. Get year-by-year projections and scenario comparisons that show the real impact of every investment decision.

👩‍🏫

Public Sector Workers

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

🏠

Property Investors

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

👫

Couples Planning Together

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

More Than Just Projections

Purpose-built tools that cover pensions, tax, property, and goals in a single joined-up plan

🔄

Tax Wrapper Comparison

Compare the tax impact of drawing from your ISA, pension, and investment accounts in different orders. Understand how each approach affects your lifetime tax position.

ISA/Pension/GIA ordering
Tax impact of each approach
Side-by-side comparison
Customisable priority

🎓

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

📑

Report Builder & Excel Export

Generate comprehensive reports from 30+ configurable sections. Download as PDF or export your data to Excel for your own analysis.

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

📉

Capacity for Loss

How much could your portfolio fall before your plan stops working? Set your maximum tolerable loss and see your capacity, your buffer above essential spending, and how each goal is affected.

Set your own max-loss threshold
Capacity % and rating
Per-goal impact analysis
Crash, bear, and inflation stress tests

🔍

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.

📊

Know Your Numbers First

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

🤝

Find the Right Adviser

Browse our directory of UK financial advisory firms. Verify any firm on the FCA Register — free to search.

💡

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 apply current UK 2026/27 tax rules, State Pension entitlements, and standard actuarial projection methods. All projections are estimates based on the assumptions you provide — they are not guaranteed outcomes. Projections are not guaranteed; the value of investments can fall as well as rise.

Can I share my plan with a spouse or partner?

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

Simple, Transparent Pricing

No hidden fees. Cancel anytime. Start free for 30 days.

Individual

£8/mo

inc. VAT

1 profile, full planning suite

Start Free Trial

Professional Tools, In Your Hands