Your household's whole wealth, in one honest number.

OwnWorth brings investments, pensions, property, mortgages, private-company stakes and household cash flow into one UK balance sheet — without connecting to your bank.

Open OwnWorth £5.99/month · free trial

Built in the UK · No bank connections · Live investment prices · Export your data any time

Who it's for

People whose money stopped fitting in a budgeting app. Two or three pension pots from old jobs. A house owned jointly, sometimes in unequal shares. Maybe a buy-to-let. Shares in a company you work for or invested in. A partner with their own accounts. The honest total lives in a spreadsheet nobody enjoys maintaining.

Everything you own and owe

Investments	ETFs, funds and shares with live prices, in ISAs, SIPPs or general accounts. Section 104 pooling for UK capital gains.
Pensions	Workplace pots and SIPPs. Track a value you update monthly, or exact units in a fund like a Vanguard Target Retirement — priced live, like any other holding.
Property	Value, mortgage and equity. Buy-to-let rent and payments. Owned jointly, in unequal shares, or partly by a company or family trust.
Private companies	Angel investments and shares in companies that have no ticker, valued the way you decide, and revenue if they pay you.
Cash and debts	Savings, loans, credit cards, car finance — counted honestly against the assets.
Household	You, a partner, children, joint accounts, companies and trusts. Filter the whole picture by person.

A few minutes a month

There is one ritual: a monthly check-in, and it is deliberately shrinking. Investments, crypto and exchange rates reprice themselves. Mortgages and loans pay themselves down — the app amortises from the rate and payment you already gave it, so the balance arrives filled in and you accept or correct it. Pensions tracked by units move with their fund.

What is left is what only you can know: a house price you have a view on, a cash balance, rent received. Every computed figure is labelled as an estimate, and the moment you type a real one it becomes the number of record.

What makes it different

No bank connections, deliberately. Nothing is linked, so nothing can be drained and there are no credentials to lose. You type values in; that's the trade.
Household-first, not individual-first. Most trackers assume one person. This one starts from a household and lets you slice by person — including a house split 60/40.
Honest projections. Trends use the median month, not the average, because one bonus shouldn't produce a retirement date that never arrives.
Every number is explainable. There's a screen that shows the arithmetic behind your net worth and your FIRE date, step by step.
Your data leaves whenever you want. Full export in one click; delete everything in two.

What it doesn't do

It doesn't categorise your transactions, recommend products, take affiliate commission or give advice. It does track your recurring costs and monthly cash flow — because you enter them — but it will never know what you spent at Tesco on Tuesday, because that needs a bank connection and there isn't one. Emma and Snoop do that part well; use one alongside if you want it.

OwnWorth answers a different question: what do we own, and is it going in the right direction.

Four things it does that most trackers don't

Property owned in unequal shares — a house split 60/40 between partners, with each person's honest share adding back to exactly the household total. Other tools offer shared access; this is shared ownership, which is a different thing.
Pensions tracked by exact units — units held × live price, so the figure reconciles against your provider instead of drifting from a balance you copied off a statement in March.
Section 104 pooling — the app knows the gain sitting inside a holding, not just what it is worth. A £60,000 holding with £8,000 of cost is not the same asset as one with £45,000.
Angel and private-company holdings — shares in companies with no ticker, valued the way you can defend, and kept visibly separate from money you could actually spend.

There's an honest comparison with the alternatives, including the four situations where you should pick something else. Coming from a tool that shut down? Moneyhub alternatives. Weighing up a spreadsheet against an app? The three honest ways to track net worth in the UK.

Three free tools, no signup

Inheritance tax calculator — including the April 2027 pension change, both regimes side by side.
Section 104 pooling calculator — your buys and sells in, the pooled cost and the real gain out.
FIRE number calculator — spending ÷ withdrawal rate, State Pension and bridge years included, working shown.
Joint property equity calculator — who owns what when it isn't 50/50.

Both run entirely in your browser. Nothing is sent anywhere and no account is needed.

Try it before you sign up

The app opens with a full example household — investments, pensions, a mortgaged property, private company stock — so you can see exactly what it does before typing a single number of your own. No account needed.

See the example Read the detail

OwnWorth is a record-keeping and planning tool, not financial advice, and we are not regulated to give any. Projections are estimates based on figures you enter and on live market prices — not a forecast of what will happen.