Financial solutions
Products, platforms and free services we think are worth a look, grouped by the areas your report covers.
Disclosure: every link here is currently a plain link — we earn nothing from them, and any future affiliate links will be clearly marked. General information only, not financial advice; Wealth Compare is not authorised by the FCA. More
Savings & banking
High-yield savings accounts and digital banks suited to different financial positions.
People who rank in the bottom half for savings rate or emergency fund most commonly start here. Moving idle cash into a higher-rate account is the single easiest change on this page.
Marcus by Goldman Sachs
High-yield savings with no fees and easy transfers. Consistently competitive rates for UK savers.
Monzo
App-based current account with savings pots, spending insights and round-up saving.
Starling
App-based bank with Spaces to set money aside and clear, categorised spending insights.
Chase UK
Instant-access accounts with competitive AER — compare current rates before choosing a home for your emergency fund.
NS&I Premium Bonds
Government-backed, so your money is 100% protected. Prizes instead of interest, and tax-free — a trusted home for part of your emergency fund.
Investing & pensions
From beginner index-fund platforms to self-directed ISAs and SIPP pensions.
If your investments and pension percentile came back low, this is usually the reason: people in the top quarter tend to start earlier and keep it simple, not pick better funds.
Vanguard UK
Low-cost index funds and ISAs — used by millions of long-term investors.
Nutmeg
Robo-adviser that builds and manages a diversified portfolio based on your risk level and goals.
PensionBee
Combine old workplace pensions into one simple plan. Straightforward pricing and clear projections.
AJ Bell
A well-established UK platform for stocks & shares ISAs and SIPP pensions, with clear, published charges.
Debt management
Balance transfers, debt consolidation loans, and free guidance services.
A low debt percentile means you are carrying more than most people your age. Ordering your balances by interest rate — not by size — is what people who climb out fastest do first.
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.
Better.co.uk
Online mortgage broker — find and switch to a better rate, especially useful if your net worth is tied up in property.
StepChange
UK debt charity offering free, confidential debt advice and managed repayment plans.
National Debtline
Free, independent debt advice by phone and online, from a UK debt charity.
MoneyHelper
Free, impartial money and debt guidance, backed by the government.
Financial advice
Use your Wealth Compare report as a starting point for a conversation with a regulated financial adviser.
If several metrics came back below the median at once, a structured conversation usually beats tackling them one at a time.
Unbiased
Find a regulated independent financial adviser near you. Take your report along to make the first conversation more productive.
Income
Cutting costs only goes so far. Free careers guidance and a way to see what your skills are worth on the open market.
If your income percentile came back below the median, the biggest lever is usually pay, not spending: a better-paid role, a new skill or extra income.
National Careers Service
Free, impartial careers advice from the government: a skills check, help with your CV, and guidance on moving into a better-paid career.
Indeed
See what comparable roles actually pay and who is hiring. A quick way to check whether you are being paid fairly for what you do.
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.
Your credit band quietly affects the rate you are offered on almost everything else on this page. Checking it is free and does not affect your score.
ClearScore
Free credit score and report, updated monthly, with a breakdown of exactly what's helping or hurting your score.
Experian
Free Experian Credit Score with personalised tips, plus optional Identity Plus monitoring for an extra layer of protection.
TotallyMoney
Free credit score and report, with eligibility-checked card and loan matches so you can see what you would likely be approved for.
Credit Karma
Free credit score and report, with a clear breakdown of what is helping or hurting your score.
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
People who improve their outgoings ratio year on year almost always have one thing in common: they can see where the money actually goes.
Emma
Budgeting app that connects your accounts, tracks spending and flags subscriptions you may have forgotten.
Uswitch
Compare energy, broadband and mobile deals in one place — one of the quickest ways to lower your monthly outgoings.
Insurance & protection
A net worth comparison only tells half the story — protecting your income and family is part of a complete financial picture.
Worth revisiting once your net worth starts climbing — the more you have built, the more there is to protect.
LifeSearch
Independent life insurance broker — compares providers to find cover that fits your circumstances and budget.
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.
Confused.com
Compare home, life, and other insurance in one place — a quick way to check you're not overpaying.
Learn
Books and courses to go deeper than a single report ever could — picked to match common goals from the survey.
If your confidence answer was lower than your actual numbers deserve, this section tends to be the fastest fix.
Amazon
Personal finance bestsellers on budgeting, investing and paying off debt.
Udemy
Self-paced courses on investing fundamentals, ISAs, and pensions for UK learners, often discounted.
Skillshare
Short, practical classes on budgeting systems and money mindset — a lighter-touch alternative to a full course.
MoneySavingExpert
Free, independent UK money guides, tools and a very active community forum. A good first stop for almost any money question.
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.