Financial solutions
Every category below links to vetted financial products and platforms. All affiliate relationships are clearly marked — we only list products we'd genuinely recommend.
Savings & banking
High-yield savings accounts and digital banks suited to different financial positions.
Marcus by Goldman Sachs
High-yield savings with no fees and easy transfers. Consistently competitive rates for UK & US savers.
See rates →Monzo / Starling
App-based current accounts with built-in savings pots, spending insights, and round-up saving.
Compare →Marcus / Chase UK
Instant-access accounts with market-leading AER — ideal for your emergency fund target.
Open account →Investing & pensions
From beginner index-fund platforms to self-directed ISAs and SIPP pensions.
Vanguard UK
Low-cost index funds and ISAs — used by millions of long-term investors. Ideal for moderate to aggressive risk profiles.
Start investing →Nutmeg / Moneyfarm
Robo-advisers that build and manage a diversified portfolio based on your risk tolerance and goals.
Get started →PensionBee
Combine old workplace pensions into one simple plan. Straightforward pricing and clear projections.
Consolidate →Debt management
Balance transfers, debt consolidation loans, and free guidance services.
0% Balance Transfer Cards
Move high-interest credit card debt to a 0% card and focus payments on the principal — a key move for high-debt profiles.
Compare cards →Habito / Better.co.uk
Online mortgage brokers — find and switch to a better rate, especially useful if your net worth is heavily tied to property.
Get a quote →StepChange / MoneyHelper
Free, impartial debt advice from regulated charities. No affiliate link — listed because they genuinely help.
Get free advice →Financial coaching
Use your Wealth Compare report as a starting point for a conversation with a qualified financial coach or adviser.
Wealth Compare Coaching
Book a 30-minute session with a vetted financial coach. Share your report for a personalised action plan. Sessions from £49.
Book a session →Unbiased / VouchedFor
Find a regulated IFA in your area. Wealth Compare shares your anonymised profile snapshot to make the first session more productive.
Find an adviser →Credit score
Wealth Compare doesn't run its own credit checks — instead, here are the UK's leading free credit-monitoring services. Check your real score, then come back to your report and update your band.
ClearScore
Free credit score and report, updated monthly, with a breakdown of exactly what's helping or hurting your score.
Check free →Experian
Free Experian Credit Score with personalised tips, plus optional Identity Plus monitoring for an extra layer of protection.
Check free →TotallyMoney / Credit Karma
Free score checks with eligibility-checked card and loan matches, so you can see what you'd actually be approved for.
Check free →Pay on time, every time
Payment history is the single biggest factor most scoring models use. Set up direct debits for at least the minimum payment.
Keep utilisation low
Try to use under 25–30% of your available credit limit across all cards combined.
Register on the electoral roll
Lenders use this to confirm your identity and address history — missing this can quietly cap your score.
Space out credit applications
Several applications in a short window can look risky to lenders, even if each on its own is fine.
Apps & tools
Emma / Cleo
Budgeting apps that connect to your bank, track spending, and help you hit savings targets month by month.
Try free →ClearScore / Experian
Monitor your credit score for free, spot errors, and see how lenders view your profile — pairs well with your Wealth Compare credit-score benchmark.
Check free →Plum / Chip
Auto-saving apps that move small amounts into savings or investments based on your spending patterns — great for low savings-rate profiles.
Get the app →Insurance & protection
A net worth comparison only tells half the story — protecting your income and family is part of a complete financial picture.
LifeSearch
Independent life insurance broker — compares providers to find cover that fits your circumstances and budget.
Compare quotes →Aviva Income Protection
Income protection that replaces part of your salary if illness or injury stops you working — especially relevant if your emergency fund is thin.
Get a quote →Confused.com
Compare home, life, and other insurance in one place — a quick way to check you're not overpaying.
Compare now →Learn
Books and courses to go deeper than a single report ever could — picked to match common goals from the survey.
Personal Finance Bestsellers
Curated picks on budgeting, investing, and debt payoff — matched to your report's focus areas, via Amazon.
See recommended reads →Udemy — Investing & Money Courses
Self-paced courses on investing fundamentals, ISAs, and pensions for UK learners, often discounted.
Browse courses →Skillshare — Money & Budgeting
Short, practical classes on budgeting systems and money mindset — a lighter-touch alternative to a full course.
Try free trial →How we calculate this
Wealth Compare's benchmarks start from two official UK government data sources, then get refined over time using our own anonymised survey data.
Sourced from the ONS Wealth and Assets Survey (April 2020–March 2022 round), the UK's most comprehensive household wealth study. Median net worth figures by age band come directly from this release; the surrounding spread (10th, 25th, 75th, 90th percentile, etc.) is modelled around that median using a distribution shape typical of wealth data, since the public release reports median figures rather than a full percentile table.
Sourced from the ONS Annual Survey of Hours and Earnings (ASHE), Table 6, the UK's official annual earnings survey covering around 180,000 employees. Median gross annual pay by age band is taken directly from the latest release; other percentile points are modelled around that median.
Modelled as a share of the income and net worth figures above, broadly consistent with how the Wealth and Assets Survey breaks wealth into property, pension, financial and physical components. These are the segments we prioritise replacing first as our own survey data grows.
Every completed survey adds to our own anonymised dataset. Once a specific age group, region or city has enough responses to be statistically meaningful, we progressively shift that segment's comparison from the modelled public-data estimate to our own real respondent data — segment by segment, not all at once. National data sources like ONS WAS and ASHE are reviewed and refreshed roughly annually, in line with how often they're actually republished.
Sources: Office for National Statistics — Wealth and Assets Survey; Annual Survey of Hours and Earnings, Table 6. Figures are used under the Open Government Licence.