Wealth Tracker Pro Review 2026: Privacy, Price, Verdict

This Wealth Tracker Pro review (the web app at wealth-tracker.net, not the similarly named phone apps) starts with the feature most people will read as a weakness: the app will not connect to your bank. No open banking, no credential sharing, no automatic transaction feed. You type it all in yourself.

Most UK money apps sell the opposite. Link your accounts, let the app read every transaction, and it does the sorting for you. That is convenient, and it also means a company now holds a live copy of your financial life. Wealth Tracker bets that a decent slice of people would rather do the typing and keep the data. For the right person that bet pays off. For a UK user who wants pensions and ISAs handled properly, there are gaps worth knowing about before you sign up.

Disclosure: Freedom Isn't Free is part of Wealth Tracker's affiliate programme. If you sign up for Premium through our link we earn a commission, and the founder offered us free Premium access. Neither changed the verdict, and we also run a free net worth tracker of our own, which we compare it with below. This review is based on the product's published features, pricing and terms as of November 2026.

The short verdict: Wealth Tracker Pro is worth trying on its free plan if you want a private net worth and spending tracker and do not mind typing in your own figures. Premium (5.99 euros a month) only earns its keep if you will use the forecasts and FIRE simulator. UK users should note it is brand new, billed in euros and has no ISA or pension features.

Contents

• What is Wealth Tracker?
• No bank connection: a weakness or the whole point?
• Wealth Tracker pricing: free vs Premium
• What UK users should check first
• Wealth Tracker vs a spreadsheet or our free tracker
• Frequently Asked Questions

What is Wealth Tracker?

Wealth Tracker (full name Wealth Tracker Pro) is a web app for tracking your net worth, spending and investments in one place. It is built and run by an independent developer, Ottavio Malatacca, and describes itself as an "AI financial copilot". There is no iOS or Android app at the time of writing. The changelog describes the web version as comfortable to use on a phone.

You add accounts, record income and spending, and log investments by ticker, quantity and price. The app pulls live prices for the holdings, draws net worth and cash flow charts over time, tracks an emergency fund, and handles more than one currency. On top of that sits an AI assistant you can ask questions in plain English, along the lines of "how much did I spend on eating out this quarter" or "what does my net worth look like if I save £500 more a month".

The Premium tier adds the planning side: AI forecasts of where your net worth is heading, a drawdown planner and a FIRE simulator. Those are the features that turn a ledger into something that tells you when you might be able to stop working.

No bank connection: a weakness or the whole point?

Most UK apps that read your bank transactions do it through open banking, and offering that service is regulated. Under the Payment Services Regulations 2017, an account information service has to be registered with the FCA. That is a protection worth having. It also raises a fair question about the business model: a free app that sees every transaction you make has to earn its money somewhere, and it is worth reading how before you link your accounts.

Wealth Tracker sidesteps all of that by never touching your bank. Its terms say plainly that the service does not connect to your bank accounts, and the home page promises no bank credentials, no account links and no banking APIs. It says the business model is subscriptions, not your data, with no advertising and no tracking. In November 2026 it removed Google Analytics from the site altogether.

The privacy story is really a trade of convenience for control. You lose the auto-import. In return there is nothing for anyone to scrape and no third party reading your statements. You can export everything as JSON at any time and delete the account from settings.

There is a catch on the effort side, and it is the same one every manual tracker has. Typing in transactions is a habit, and habits break. If you want a line-by-line record of every coffee, manual entry gets old fast. If you only want a monthly snapshot of what you own and owe (the net worth calculation itself takes one line of maths), it is ten minutes on the first of the month and no faff at all.

Wealth Tracker pricing: free vs Premium

The free plan is the strongest part of the offer. It never expires, needs no card, and includes unlimited accounts, transactions and income and spending records, live investment prices, the dashboard and historical charts, emergency fund and cash flow tracking, multi-currency support, data export and 15 AI messages a month. Some paid apps give you less.

Premium costs 5.99 euros a month or 59.90 euros a year (VAT included), which works out at two months free on the annual plan. At roughly 87p to the euro that is around £5.20 a month or £52 a year, but you are paying in euros. Your card provider sets the exchange rate on the day, and some cards add a non-sterling transaction fee on top. A card with no foreign transaction fees keeps that cost down.

New sign-ups get a seven-day Premium trial with no card required. When it ends the account drops back to the free plan by itself, with no charge and no lost data. That is how a trial should work. Plenty of UK subscriptions are built around the opposite, a free trial that quietly rolls into a charge.

One point needs checking at checkout. The terms describe renewal two ways. One section says Premium does not renew automatically and each payment just buys a set period. A later section, and the November 2026 changelog, say the monthly plan renews each month (with your consent to store the card) and you cancel in one click from Settings. The annual plan reads as a one-off 12-month purchase. Assume monthly renews until the terms are tidied up, and diary the date.

What UK users should check first

Wealth Tracker is a young product, and the UK reader has a few specific things to weigh.

It is new. The Free and Premium plans and the affiliate programme arrived in version 2026.10, dated 27 October 2026. The changelog shows a lot of activity since, which is good to see, but there is no long track record to judge yet.

It is also a one-person, Italian business. The terms name Ottavio Malatacca as owner and operator and describe it as an independent project with an Italian VAT number still being registered. Italian law governs the contract, and data is handled under the EU GDPR with Italy's data protection authority as the regulator. The terms say consumers keep any stronger protections from their home country's law, but a dispute with a small overseas business is harder work than a complaint to a UK firm. Since there is no money held in the app, the risk here is about your data and your subscription, not your savings.

No UK wrappers. Nothing on the site mentions ISAs, SIPPs, workplace pensions or property. You can log an ISA or pension as an account or holding, but the app does not know about allowances or tax relief. For a UK investor, the ISA allowance and pension pot are usually most of the picture, so expect to do that thinking yourself.

Who can see your data. Data sits on dedicated servers in the EU, reached only by the owner over encrypted connections, according to the privacy policy. Two caveats are in there too. An admin can view your account read-only to resolve a support ticket, and AI Advisor conversations are stored and visible to admins. If you connect your own Google Gemini key, which any plan allows, your questions and the data needed to answer them go to Google.

Deleting your account removes your data within 30 days, and the same email address cannot be reused for 90 days, so export your JSON before you delete.

Wealth Tracker vs a spreadsheet or our free tracker

For a monthly net worth snapshot you do not need to pay anything. A spreadsheet does the job, and so does our own net worth tracker, which logs assets and debts over time and is free. We have an obvious interest in saying so, so judge it on what each does.

Where Wealth Tracker earns its place is everything around the snapshot: live prices on your holdings so the number updates without you, spending and cash flow tracking in the same app, multiple currencies, and an assistant you can ask questions of your own data. If you hold investments in more than one currency, or you want spending and net worth in one place without handing over your bank login, that is a real gap it fills.

Our verdict: start on the free plan. It is generous enough that many people will never need more. Pay for Premium only if you will actually use the forecasts, drawdown planning or FIRE simulator, and once you know how far you are from financial independence you can judge whether a projection tool is worth 60 euros a year. Keep a JSON export somewhere safe while the product matures. Net worth tracking is one step in the UK personal finance flowchart, and if you want the bank-linked budgeting apps instead, our personal finance apps comparison covers them.

Try Wealth Tracker free (affiliate link: 7-day Premium trial, no card needed)

Frequently Asked Questions

Is Wealth Tracker free?

Yes. The free plan has no time limit and needs no card. It includes unlimited accounts and transactions, live investment prices, charts, multi-currency support, data export and 15 AI messages a month. Premium costs 5.99 euros a month or 59.90 euros a year and adds AI forecasts, drawdown planning and a FIRE simulator.

Does Wealth Tracker connect to my bank?

No. You enter your accounts, transactions and investments manually. The service never asks for bank credentials and does not use open banking. That is the privacy trade: more typing, but no third party reading your statements.

Is Wealth Tracker safe?

It holds no money and no bank logins, so the risk is about your data rather than your savings. According to its privacy policy, data is stored on dedicated servers in the EU, card payments go through SumUp (so the app never sees your card details), and it runs no advertising or analytics. Admins can view an account read-only for support tickets and can read AI conversation logs. It is a young, one-person project, so keep your own export.

Does Wealth Tracker work in the UK?

Yes, it works for UK users, but it is billed in euros and has no UK-specific features such as ISA allowance tracking or pension tax relief. You can record ISAs and pensions as accounts or holdings and track their value, but the UK tax side is up to you.

Is there a Wealth Tracker app for iPhone or Android?

Not at the time of writing. It runs in a web browser, and the developer describes the web version as designed to be comfortable on a phone.

This article is for general information, not financial advice. Wealth Tracker does not give financial advice either, and its AI forecasts and FIRE simulations are projections, not guarantees. Prices, features and terms are as published on wealth-tracker.net in November 2026 and can change. Euro prices are converted at an illustrative rate; your card provider's rate and fees will apply. Freedom Isn't Free earns a commission on Premium sign-ups through our affiliate link.