Free UK net worth tracker and retirement planner
Track your finances. Plan your retirement.
Add the accounts you already have: ISAs, pensions, Self-invested personal pension: a pension where you choose the investments yourself. Dwellsee keeps it locked until its own drawdown age, or your default pension access age if it has none, and taxes what you draw as income apart from the tax-free part., savings, property. Dwellsee keeps the history, shows your net worth over time, and projects when you could retire at different The share of your pot you take out in a year to live on. At 4%, a £500k pot pays £20,000 a year, so a lower rate needs a bigger pot. Dwellsee tests 3%, 3.5%, 4% by default., including whether the years before your pension are covered.
Free. No bank connection. Not financial advice.
Why starting early matters
Two friends save the same amount a month, starting twelve years apart. Then see how saving a little more, or needing a little less, moves your own retirement age. Under a minute, no sound needed.
Read what the video says
Sam and Alex are both 25.
Sam saves £200 a month from 25… then stops at 37, and lets it grow.
Alex starts at 37 and saves £200 a month until 60.
At 60, Sam has £120,001 after paying in £28,800. Alex has £101,692 after paying in £55,200. Sam paid in half as much and ended up with more. Time did the work.
What about you? Starting at 30 with £20,000, and needing £500,000 to live on £20,000 a year:
Saving £500 a month: free at 60.
£300 more a month: 54.
Spend a little less later, needing £450,000 for £18,000 a year: earlier again, at 52.
See your own line.
Illustrative figures: 5% growth a year after inflation, 4% withdrawal rate. Not financial advice.
What it does
Your date, not just a number
Your Financial independence, retire early: the point where your savings can pay for your life. Dwellsee puts you there at the first age your money lasts to your plan-to age after tax, and your pot is big enough for your withdrawal rate. date at 3%, 3.5% and 4% withdrawal rates, from your own figures and growth assumptions. Change an assumption and the date moves.
Net worth over time
Record values monthly or whenever you like. See the total, the mix across The kind of account your money is held in: an ISA, Lifetime ISA (LISA), pension (SIPP), general investment account (GIA) or cash savings. It decides how the money is taxed and when you can reach it, so Dwellsee models each one differently., and how each account has grown.
The years before your pension
Stress tests for the The years between stopping work and the last of your locked-away accounts, usually pensions, unlocking, when you live on what you can already reach. Dwellsee ends it at the age the last of them unlocks, and stress-tests those years. between stopping work and pension access, so you can see whether your accessible savings last.
Everything you own, in one history.
Add each account once: name, wrapper and current value. Then add new values whenever you check your statements. Dwellsee shows the total, the split between pensions, ISAs, general accounts, cash and property, and how each one has changed.
- ISAs, Lifetime ISA: the government adds 25% to what you pay in, on up to £4,000 a year, a bonus of up to £1,000. Taking money out before 60 costs 25%, with exceptions such as a first home. Dwellsee stops payments at 50, adds the bonus, applies the charge, and draws it tax-free from 60., SIPPs and workplace pensions
- General investment accounts, cash and property
- Monthly history, with a breakdown chart by account
Where it is
- Pensions and SIPP
- 54%
- £168,400
- ISAs and LISA
- 31%
- £96,250
- Cash savings
- 9%
- £29,100
- General account
- 6%
- £18,730
Example figures.
When could you stop? And would it hold?
Set a target annual spend, a growth assumption and the withdrawal rates you want to compare. Dwellsee projects your net worth forward and shows the date each rate is reached, your The earliest age you could stop saving and still reach FIRE by the age you coast to (the "Coast FIRE to age" you set, or your target age if you have not), with your pot growing on its own until then. position, and whether your target is feasible. Then it stress-tests the bridge: the years between stopping work and the age you can access your pension.
- FIRE date at each withdrawal rate
- Coast FIRE and a target feasibility check
- Bridge stress tests: a market crash, stagnation, high inflation, a 2000s-style lost decade
- What-if scenarios, saved separately from your real settings
Projection to 67
- Projected net worth
- FIRE number £771,000
- Bridge years
- 4.0% a year
- 2035, age 48
- 3.5% a year
- 2038, age 51
- 3.0% a year
- 2041, age 54
Example figures.
Where the money actually goes.
Add your income and your regular spending, and Dwellsee traces every pound from gross pay to what’s left: your pension contributions, income tax and National Insurance, any student loan repayments, take-home pay, essential and discretionary spending, what you pay into your other accounts, and the surplus left at the end. Monthly or annual, on one chart.
- Salary sacrifice, net pay and relief at source
- Income tax and National Insurance
- Essential and discretionary spending
- The surplus, or the shortfall
A year of pay, end to end
- Gross pay
- £52,000
- Gross pay → Income tax
- £7,050
- Gross pay → National Insurance
- £2,820
- Gross pay → Workplace pension
- £4,180
- Gross pay → Take-home pay
- £37,950
- Take-home pay → Essential spending
- £22,800
- Take-home pay → Discretionary
- £6,750
- Take-home pay → Surplus
- £8,400
- Essential spending
- Discretionary (hatched)
Example figures.
UK rules, built in.
Income tax bands (England, Wales and Northern Ireland rates), National Insurance, State Pension age and amount, pension access age, and ISA and pension wrappers are all part of the model. So is how you pay into a pension: salary sacrifice, net pay (the method most public-sector schemes use) or relief at source, each with its own income tax and National Insurance treatment. If you have a Teachers’ Pension, Dwellsee models it too: the McCloud remedy choice, when to claim, and what buying extra pension would cost.
- UK income tax and National Insurance estimates
- Salary sacrifice, net pay and relief at source, each taxed its own way
- State Pension in the projection
- Teachers' Pension with McCloud modelling
- Income, spending and savings rate
Income and tax
- Gross annual
- £48,600
- Estimated tax
- £7,206
- Net income
- £41,394
- Monthly surplus
- £1,316
- Savings rate
- 38.2%
Example figures. The income tax estimate uses 2026/27 England, Wales and Northern Ireland rates. This panel is the Income page, which doesn’t show National Insurance; the Cash flow page does.
Ask Claude about your own numbers.
Optional. Connect Claude and ask questions in plain English. Access is read-only unless you grant more: thirteen tools that only read, and eleven that can record account values, add, change or delete income and spending, add or change debts and record what you owe on them, set an account’s contribution, or rename an account or change its notes and fee — which Claude gets only if you turn on write access. That needs two-step verification. Dwellsee previews each change to Claude and asks it to check with you, and the change is saved only once Claude confirms it. You approve the connection yourself, and you can revoke it any time from Settings.
Requires a Claude account. Your figures go nowhere else: Dwellsee has no third-party analytics and no adverts, and counts page visits itself — the page name, a screen-size band, and the site and campaign tags a link arrived with — with no cookies and nothing that identifies you.
- You asked: What if I spent £30,000 a year instead of £27,000?
- Claude answered: At 3.5% you’d reach it in 2040 instead of 2038, at 53. That’s a what-if; nothing was saved.
- You asked: Does the bridge survive a 40% crash?
- Claude answered: In the market-crash scenario your accessible savings still last until your pension opens at 57. The 2000s lost-decade scenario runs out at 56, a year before your pension.
Example, made-up figures.
Try these prompts
Copy one into Claude after you connect Dwellsee. Claude works from your saved figures, so it can only be as current as your last recorded balances.
Retire after going part-time
A what-if on your FIRE plan, compared with your saved plan.
When could I retire if I went part-time at 55? Ask me what I would earn from then and until what age, run it as a what-if on my FIRE plan alongside any income I already have planned, and show how it compares with my saved plan.
Read-only Works with the default read-only connection. Nothing is saved.
What changed since my last review
Compares your latest recorded balances with the ones before.
What's changed since my last review? Compare my latest recorded balances with the previous set, and tell me what moved most: net worth, savings, pensions, property and debts, and how much of the change was contributions and how much growth. If you aren't sure which date was my last review, ask me.
Read-only Works with the default read-only connection. Nothing is saved.
If markets fall as I retire
Stress-tests the years between retiring and your pensions unlocking.
Stress-test my plan: if markets fall badly just as I retire, do I still have enough to reach the age my pensions unlock? Explain the result in plain English.
Read-only Works with the default read-only connection. Nothing is saved.
Where my pay goes
Follows your income from gross pay to what is left each month.
Where does my pay go each month? Take me from gross pay through tax, National Insurance, pension contributions, spending and debt payments to what is left over, and point out anything that looks odd.
Read-only Works with the default read-only connection. Nothing is saved.
Update a balance from a statement
Records the balance from a statement you paste in.
Here is my latest pension statement: [paste the statement text here]. Find which of my accounts it belongs to and record the balance and date on it. Show me what you're about to save first.
Write access Needs write access, which needs two-step verification. Dwellsee previews the change to Claude and asks it to check with you; it is saved only once Claude confirms it.
Add my direct debits to my spending
Turns a pasted list of regular payments into spending entries.
Here are my regular payments: [paste your direct debits, standing orders or bills here, with amounts]. Add them to my spending as monthly amounts, skipping any that are already there. Show me the full list first.
Write access Needs write access, which needs two-step verification. Dwellsee previews the change to Claude and asks it to check with you; it is saved only once Claude confirms it.
Guided annual review
A year-end check-up in one go. It only reads your data.
Show the prompt
Please do my annual review from my Dwellsee data. Only read: don't save or change anything. 1. Net worth: how has it changed over the last 12 months? Give the start and end figures, the change in pounds and per cent, and how savings, pensions, property and debts each moved. 2. Contributions and growth: of the change in my assets, how much came from what I paid in and how much from investment growth? These are estimates from my account settings, not recorded payments, so say how far to trust them. 3. FIRE date: when could I retire now at each withdrawal rate, and is my target retirement age feasible? Dwellsee doesn't keep last year's projection, so if I tell you the date I was working to, say how far it has moved; otherwise tell me the main things my date depends on. 4. Allowances: Dwellsee doesn't record how much of my ISA, pension or other allowances I've used, so don't guess at what's left. From my account types, contributions and pay, point out anything I should check for myself. 5. Finish with the three things most worth my attention, most important first, and say which figures come from Dwellsee and which are your estimates. This isn't financial advice.
Read-only Works with the default read-only connection. Nothing is saved.
How it works
Create a free account
Email and password. Add an authenticator app for a second step if you like.
Add your accounts and values
Type in what your statements show. There's no bank connection to set up, and nothing to link.
See your projection
Your net worth history, your FIRE date at each withdrawal rate, and the bridge years, updated whenever you add a value.
Private by design.
Dwellsee doesn’t connect to your bank, doesn’t sell data and has no adverts. Your figures are stored encrypted in the UK region of AWS and are never sold. No person or AI reads them unless you ask for help or give permission; to fix faults and keep Dwellsee secure we use logs and alerts that are designed not to show your figures. Claude sees them only if you choose to connect it. You can export everything and delete your account from Settings.
What Dwellsee stores
- Your email address and password hash (in AWS Cognito)
- The accounts, values and settings you enter
- Nothing from your bank, because there is no connection
Questions
Is it really free?
Yes. If that ever changes, existing users will be told well in advance and will be able to export their data.
Do I have to connect my bank?
No, and you can't. You type in values from your statements. That's a deliberate choice.
Is this financial advice?
No. Dwellsee shows projections from your own figures and assumptions. It doesn’t recommend products or actions. For advice, speak to a regulated adviser; MoneyHelper (opens in new tab) is a free place to start.
Does it count debts and mortgages?
Yes. Add your mortgage, loans, cards and student loans under Debts, and net worth takes them off. A mortgage or other fixed-term loan can also feed your FIRE plan.
Can I use it for a couple?
Each account is for one person's data today. Many couples keep one account each and compare.
Where is my data stored?
In AWS's London region (eu-west-2), encrypted at rest, with backups.
How do I delete my account?
Settings has export and delete. Deletion removes your data; backups expire within 35 days.
What do FIRE, LISA, SIPP and the other terms mean?
- FIRE
- Financial independence, retire early: the point where your savings can pay for your life. Dwellsee puts you there at the first age your money lasts to your plan-to age after tax, and your pot is big enough for your withdrawal rate.
- Coast FIRE
- The earliest age you could stop saving and still reach FIRE by the age you coast to (the "Coast FIRE to age" you set, or your target age if you have not), with your pot growing on its own until then.
- Pot threshold
- The size your pot has to reach before a withdrawal rate works: a year of your spending, less any pension or income already being paid (at its average value after inflation from then on, if it doesn't rise with inflation), plus tax at your plan's average rate, divided by the rate. Dwellsee tests the pot you can draw on at the later of the age you stop work and the age your last locked-away account unlocks, when all of it can be drawn. Or, if a pension or other income starts later, what you have when you stop can instead pay every year until it is paid, growing no faster than inflation, and then be enough at the rate. At 4%, with no tax and no other income, that is 25 times your spending.
- Drawdown
- Living off your savings: taking money out of your accounts instead of paying in. Dwellsee draws on them in your drawdown order, or the tax-aware one if you choose it. Pensions can't normally be drawn before the minimum pension age, 55 now and 57 from April 2028, and Dwellsee opens yours at it unless you set another age. GOV.UK: taking your pension (opens in new tab)
- Wrapper
- The kind of account your money is held in: an ISA, Lifetime ISA (LISA), pension (SIPP), general investment account (GIA) or cash savings. It decides how the money is taxed and when you can reach it, so Dwellsee models each one differently. GOV.UK: Individual Savings Accounts (opens in new tab)
- SIPP
- Self-invested personal pension: a pension where you choose the investments yourself. Dwellsee keeps it locked until its own drawdown age, or your default pension access age if it has none, and taxes what you draw as income apart from the tax-free part. GOV.UK: personal pensions (opens in new tab)
- LISA
- Lifetime ISA: the government adds 25% to what you pay in, on up to £4,000 a year, a bonus of up to £1,000. Taking money out before 60 costs 25%, with exceptions such as a first home. Dwellsee stops payments at 50, adds the bonus, applies the charge, and draws it tax-free from 60. GOV.UK: Lifetime ISA (opens in new tab) GOV.UK: taking money out of a Lifetime ISA (opens in new tab)
- Withdrawal rate
- The share of your pot you take out in a year to live on. At 4%, a £500k pot pays £20,000 a year, so a lower rate needs a bigger pot. Dwellsee tests 3%, 3.5%, 4% by default.
- Today's money
- Figures with inflation taken off, so they buy what the same pounds buy now. Nominal figures are the pounds you would actually see in future, which buy less: Dwellsee assumes 2.5% inflation a year unless you change it.
- Bridge
- The years between stopping work and the last of your locked-away accounts, usually pensions, unlocking, when you live on what you can already reach. Dwellsee ends it at the age the last of them unlocks, and stress-tests those years.
See your date.
Free. Takes about ten minutes to add your accounts.
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