OW OwnWorth

How OwnWorth compares

Comparison pages written by the product being compared are usually worthless, because the answer is always "us". This one tries to be useful instead: what each tool is actually for, and the four situations where you should pick something else.

Details taken from each product's own website in August 2026. Things change and we may be out of date — if you work on one of these and we have it wrong, email hello@ownworth.app and we will fix it the same day.

First, two different categories

Half the confusion in this market is that two unlike things share a shelf.

Budgeting / spending apps	Emma, Snoop. Connect to your banks, categorise transactions, tell you where the money went. Free tiers. If that is the question you have, these are better at it than any wealth tracker, including this one.
Net worth / wealth trackers	OwnWorth, Aureli, WealthR, Know Your Dosh, Kubera. Everything you own and owe — pensions, property, investments, debts — and whether the total is heading the right way. Mostly manual, mostly paid.

Plenty of people sensibly run one of each.

The wealth trackers, side by side

OwnWorth	£5.99/mo. Web app, installable to your home screen. Manual, no bank connections. Household-first with fractional ownership (a house split 60/40), pensions by exact units, private company holdings, Section 104 pooling, median-based projections.
Aureli	Around £7/mo or £60/yr. UK net worth, explicitly no budgeting, native iOS app, partner portfolio sharing. The closest in philosophy to OwnWorth.
WealthR	Free tier, paid plan around £5.99/mo or £39.99/yr. Manual by design, UK tax and FIRE focus, and a large library of free standalone calculators.
Know Your Dosh	Around £4.99/mo. Household and family-first, permission-based sharing with partners and adult children, multi-currency.
Kubera	Around $249/yr. Global rather than UK, strong on unusual and illiquid assets. Priced for larger portfolios.
A spreadsheet	Free, infinitely flexible, and genuinely the right answer for some people. The failure mode is not accuracy — it is that you stop updating it.

Four reasons to pick something else

Written plainly, because you will find these out anyway and it is better you find out now.

• You want your spending categorised. OwnWorth tracks recurring costs and monthly cash flow because you enter them, but it will never know what you spent at Tesco on Tuesday. That needs a bank connection and there isn't one. Use Emma or Snoop.
• You want a native app from the App Store. OwnWorth is a web app you add to your home screen. It works offline and looks like an app, but it is not in the stores. Aureli has a native iOS app; some comparison sites filter on this.
• You want it to update itself completely. Investments, crypto and FX reprice automatically, and mortgages and loans amortise themselves. But a house price and a cash balance still need you, once a month. If confirming a handful of numbers sounds like a chore rather than a ritual, an open-banking tool will suit you better.
• You want two logins. One person maintains the household picture; there is no second seat. Know Your Dosh and Aureli both offer partner access if that matters to you.

Four reasons nothing else will do

• You own a property in unequal shares. As far as we can tell, no other tracker models fractional ownership — they offer shared access, which is not the same thing. If your house is 60/40, this is the only one that will tell you both the household total and each person's honest share.
• You want the tax position inside your net worth. Section 104 pooling means the app knows the gain sitting inside a holding, not just its value. Elsewhere that lives in a separate CGT calculator, if anywhere.
• Your pensions deserve better than a stale balance. Units × live price reconciles against the provider. Everyone else tracks the number you last copied off a statement.
• You hold shares in companies with no ticker. Angel investments, employee equity in a private company, a stake in a family business — valued the way you can defend, and kept visibly separate from money you could actually spend.

On the security trade-off

Every tool here that connects to your bank does so through regulated open banking, which is genuinely safe and which we are not disparaging. OwnWorth's choice is different rather than superior: nothing is linked, so there are no credentials to lose and no connection to abuse — and in exchange, you type things in. Pick the trade you prefer.

Common questions

Isn't a comparison page by the vendor just marketing?

Usually. The test is whether it tells you when not to buy, which is what the "four reasons to pick something else" section is for. Read the rivals' versions too — Aureli, WealthR and Know Your Dosh all publish theirs.

Why is OwnWorth not free?

Free finance apps are usually paid for by data, affiliate commission on products they recommend, or advertising. OwnWorth does none of those — there is nothing to sell, because it never sees a transaction. £5.99 a month is the whole business model.

Can I try it before deciding?

Yes. The app opens with a full example household so you can see exactly what it does before typing a number of your own. No account needed, no card for the trial.

Open the example household Coming from Moneyhub? →

OwnWorth is a record-keeping and planning tool, not financial, legal or tax advice, and we are not regulated to give any. Figures you enter are your own; projections are estimates based on them.