What is the best net worth tracking app in the UK?

It depends on what you are trying to do. If you want automatic syncing and spending insights, Emma or Moneyhub are strong options. If you want a private, deliberate view of total wealth — ISAs, pensions, savings, property, and multi-currency accounts — with long-term projections and no bank linking, Paddock is built for that.

Can I track pensions and ISAs in one place?

Yes — Paddock is specifically designed to hold UK wealth accounts together. You can add a Stocks & Shares ISA, a SIPP, cash savings, and other accounts side by side, with everything converted into one base-currency net worth figure.

Do I need open banking to track my net worth?

No. Paddock is entirely manual-entry — there is no open banking, no bank credential sharing, and no third-party sync. You enter your own balances.

Are manual net worth trackers better for privacy?

Generally, yes. Open banking tools require you to share credentials or grant access to your financial accounts. With a manual tracker like Paddock, nothing is shared — you enter numbers yourself, and the data stays in the app.

What if I already use a spreadsheet?

Spreadsheets work well until they do not — usually when the number of accounts grows, FX rates need to be maintained, projections become complicated, or mobile access matters. Paddock handles those parts automatically, while keeping the deliberate manual-entry approach.

Is there a UK net worth tracker that works without bank linking?

Paddock is built specifically for this. It is a manual-entry, privacy-first wealth tracker with UK account types — ISAs, SIPPs, savings, property — multi-currency support with daily FX rates, and long-term projections. No bank connection is required at any point.

Best net worth tracking apps UK

An honest comparison of Paddock, Emma, Moneyhub and spreadsheets for UK users tracking ISAs, pensions, savings and multi-currency wealth.