Built for UK earners
The wealth-building app for ambitious UK earners.
Your spreadsheet is lying to you. ArthaVault gives you a FIRE number, a net worth dashboard, and a retirement plan — in one place. Because earning good money shouldn't mean guessing where it all goes.
Net Worth
+£2.4k£0
FIRE Calculator
How fast could you retire?
Assumes 7% real returns · 4% safe withdrawal rate · UK assumptions
Save your plan → Get early accessPrivate beta — join the waitlist for early access
Why ArthaVault
Built different. Built for you.
The wealth-building app that UK earners have been waiting for.
Built for wealth-building, not just tracking
Go beyond budgets and spending trackers. ArthaVault connects your FIRE number, net worth, ISA/SIPP allowances, and retirement plan in one place.
The only UK app built for couples
Share your household net worth dashboard, set joint FIRE goals, and plan together — while keeping personal accounts private. Perfect for power couples.
Understands UK tax wrappers
Track your ISA allowance, SIPP contributions with tax relief, and State Pension in one dashboard. Built specifically for the UK market — not a US app with GBP bolted on.
FIRE calculator that actually works
Not a generic retirement calculator. Model Traditional FIRE, Coast FIRE, or Barista FIRE scenarios with UK-specific assumptions. Know exactly when you can retire.
Your data stays yours
Bank-level encryption. No ads. No selling your data. No sketchy third-party integrations. Just clean, secure wealth-building tools you can trust.
No bank linking required
Manually log accounts in seconds — no Open Banking handshake, no third-party data scraping, no credentials to hand over. Privacy by default.
14-day free trial · Cancel anytime
Who it's for
Built for people who are serious about wealth.
The Ambitious Earner
I earn well. Now I want to build.
Go beyond budgeting. See your net worth grow, max your ISA, and build a plan that compounds.
The FIRE Seeker
I want to retire at 45.
Track your FIRE number, model different savings rates, and watch the date move closer every month.
The Household
We're building this together.
Three pots — Mine, Ours, Yours. Combine net worth, share what matters, plan joint goals — without merging every account.
How it works
Three steps to financial clarity.
No complex spreadsheets. No financial jargon. Just simple steps to see when you can retire.
Enter your numbers
Add your current savings, monthly income and expenses, and UK tax wrapper balances (ISA, SIPP). Takes 2 minutes.
See your FIRE timeline
Instantly get your FIRE number, target retirement age, and monthly savings needed. Watch it update as you save more.
Track your progress
Update your net worth monthly. ArthaVault tracks your ISA/SIPP allowances and shows how close you are to financial independence.
The toolkit
Everything you need to
build real wealth.
FIRE Calculator
Plan your path to Financial Independence. Traditional, Coast, and Barista FIRE — all with UK assumptions.
Net Worth Tracker
See every asset and liability in one place. Watch your wealth grow month over month.
Financial Health Score
A 0–100 score that grades your savings, debt, and budget at a glance. Updates the moment your numbers change.
Retirement Planner
Model your SIPP, State Pension, and savings. Know exactly what income awaits you at retirement.
Debt Payoff Planner
Crush debt faster with Avalanche or Snowball strategies. See exactly how much interest you save.
Budget Planner
Understand where every pound goes, set smart limits, and redirect more towards building wealth.
Compound Interest Calculator
See how £100/month becomes £120k in 30 years. Save scenarios, compare strategies, export the result.
Financial Goals
Save for a house deposit, wedding, holiday, or emergency fund. Track contributions and celebrate milestones.
Smart Insights
AI-powered tips that explain your numbers in plain English. 30 credits a month — enough for a daily check-in.
And the things that make ArthaVault different
Made for the way you actually live in the UK.
Emergency Fund
Personalised 3–6 month safety net target
Financial Journey
Track milestones and assessment history
Household
Three pots — Mine, Ours, Yours
Club Cards
UK loyalty wallet — Tesco, Nectar, Costco
Receipts
Capture and store via camera
UK tax wrappers
Every wrapper.
One dashboard.
ArthaVault tracks UK tax-advantaged accounts for you and your kids. Build generational wealth, all in one place.
£0/yr
Stocks & Shares ISA
Track your annual ISA allowance, monitor holdings, and see your tax-free growth over time.
£0/yr + 25% bonus
Lifetime ISA
Understand how the government bonus accelerates your first home deposit or retirement pot.
£0/yr
SIPP
Model your pension contributions, tax relief, and projected pot at retirement age.
£0/yr (full)
State Pension
Factor in your projected State Pension to understand the true gap your savings need to fill.
For your kids
Start building their future from day one. Compound growth + tax efficiency = life-changing wealth by age 18.
£0/yr
Junior ISA
£200/month from birth = ~£97k by age 18 at 7% returns. Tax-free savings that compound for decades.
£0/yr (gross)
Junior SIPP
Pay £2,880, government adds £720 in tax relief. Locked until 55 — the ultimate head start on retirement.
Allowances shown are 2025/26 tax year. ArthaVault does not provide tax advice — always verify with HMRC or a qualified adviser.
Couple plan
Build wealth
as a team.
Couples who plan together build faster. ArthaVault's Couple plan gives you and your partner one shared view of your wealth — without giving up privacy.
Shared net worth dashboard
Combine your household wealth into one view. See your total assets, liabilities, and trajectory.
Three-pot model
Mine · Ours · Yours. Keep personal accounts personal, share what matters, and track joint goals together.
Privacy controls per item
Choose what you share down to individual accounts and goals. Defaults are private; sharing is opt-in.
Household net worth
£0
↑ £3,100 this month
Shared goal
House deposit — £50k
0% · £0 saved
Pricing
Simple pricing. Built for the long game.
Two tiers. 14-day free trial. No surprises.
Solo
Plan, track, and grow your wealth solo.
£34.99 billed yearly · save 27%
- Financial Health Score (0–100, live)
- 5 calculators: FIRE, Retirement, Compound Interest, Debt Payoff, Emergency Fund
- Net worth tracking with ISA, SIPP, LISA & Pension wrappers
- Budget & expenses with categories
- Financial goals & milestones
- Smart Insights — AI-powered, 30 credits / month
- Club Cards — UK loyalty wallet (Tesco, Nectar, Costco)
- Receipt capture & storage
Couple
Everything in Solo, plus household finances for two.
£54.99 billed yearly · save 23%
Everything in Solo, plus:
- Household with three-pot model (Mine · Ours · Yours)
- Shared budgets & expenses
- Joint goals with contribution tracking
- Two-person FIRE projection
- Privacy controls per item
UK-only · Not regulated by the FCA · For informational purposes only
Early access
Join the early-access list.
Be the first in when ArthaVault opens. We'll email you the moment your tier is ready — and honour the launch price for life.
Available everywhere
Your vault. Everywhere you are.
iPhone · iPad · Android · Web
Your data syncs instantly across every device.
