No bank logins required to begin. You enter what you know, WealthWelly keeps it honest, and the picture builds from the first evening.
Owning side first
Everything of value gets a row: the obvious accounts, the assets other tools ignore, and the pension nobody ever writes down.
Current accounts, savings, ISAs, general accounts, crypto. Enter a balance with its date and currency; foreign holdings convert at the real exchange rate for that day, so you can tell an asset growing from a pound falling.
A defined contribution pot takes its statement value. A defined benefit promise and the State Pension get a stated, labelled convention instead of a blank row. Pensions are most households' second-biggest asset; leaving them out is the biggest error a net worth can hold.
The house goes in as an honest range: a low and a high from local sold prices. The middle enters your total, the band stays visible, and the figure is always labelled an estimate. Cars, watches, art and the rest are rows with revaluation reminders.
Owing side next
Net worth is assets minus liabilities. The minus side takes ten minutes and changes the number more than anything else you will type.
Outstanding balances from the annual statement or the lender's app, linked to the asset they sit against. A house with a mortgage shows its equity, which is the number you actually live with.
Credit card balances, car finance, tax owed, the student loan with its own odd rules. Each is a row with a history, so you can watch the owing side shrink, which is quietly the best chart in the product.
The daily close
This is the part a spreadsheet cannot do for you, and the reason WealthWelly exists.
Every day we save your total: what you owned, what you owed, and the exchange rates used, stamped with the date. In plain words, we save your total every day and never rewrite the past.
Mistyped a balance last month? Correct it and the correction is recorded alongside the original, visibly. Old snapshots keep showing what they showed at the time, because a history that quietly changes is not a history.
A house valued two years ago is fiction wearing a number. WealthWelly reminds you when a valuation has aged past its useful life, at a cadence that matches the asset: property quarterly, the car twice a year, the watch annually.
Then the good part
Best, worst and likely paths for your net worth over the years ahead, plus a one-click stress test that replays 2008 or 2020 against your actual allocation. Bands and estimates, clearly labelled, never predictions.
ISA, SIPP and LISA allowances tracked against your actual contributions for the tax year, so the picture tells you where headroom is going spare before April does.
The driveway that could list on ParkWelly, the spare room the Rent a Room scheme covers, the cash sitting below market rate. Each suggestion is quantified and cites its inputs, with the date of every market figure shown.
Everything you have entered, one click, in a file a spreadsheet opens. The tool that replaced your spreadsheet should always be able to give you one back.
Ready when you are
Free during early access, manual first, and honest about the rest: bank and broker feeds arrive when we can run them under a regulated provider, and not before.
