See your whole financial life. Plan the next move with confidence.
The forward-looking cockpit for Irish households — mortgages, deposits, pensions, and projections in one place.
Free demo · No card needed · Hosted in EU
Why we built this
The “Spreadsheet of Doom” isn’t working anymore.
You have a tracker mortgage with one bank, four pension pots across three providers, ETFs on DeGiro, and a Google Sheet that breaks every quarter.
You want to know if you can renovate the house in 2028 without delaying retirement, but every “what if” costs an hour of cell-dragging.
We built WealthScope because we live this too.
Three moves you can make today
Built for the household-level questions a budgeting app can’t answer.
Irish tax, built in
The numbers that are wrong in every global tool — modelled correctly for Ireland.
Deemed disposal
EU-domiciled ETFs with the 8-year rule and per-lot countdown to each crystallisation date.
CGT on shares
FIFO lot tracking and the €1,270 annual exemption, the way Revenue applies them.
DIRT on deposits
After-DIRT projections on savings, so your deposit returns are the real ones.
Pension AVC headroom
Age-banded tax-relief limits, showing the contribution room you have left this year.
01 · Cockpit
One household, one cockpit.
Workspaces let you and your partner share a single live view. Net worth, mortgage timeline, deposits, investments and pensions on one screen — synced when either of you updates anything.
02 · Mortgage timeline
Your real mortgage history, not a snapshot.
Drawdown, rate changes, lump sums, provider switches — every event is on the timeline. Principal-vs-interest splits, payoff projections and total cost recompute as you add events.
03 · Scenario lab
What-if, in seconds.
Test a €500/month overpayment, a switch from variable to 5-year fixed, or a one-off lump sum. See the new mortgage-free date and total interest difference, side-by-side with your current plan.
Honest comparison
Why not just a spreadsheet, bonkers.ie, or ProjectionLab?
We use these tools too. Here’s where they stop and we start.
| Feature | Spreadsheet | bonkers.ie | ProjectionLab | WealthScope |
|---|---|---|---|---|
| Net worth view | Yes | — | Yes | Yes |
| Spouse can use it | Hard | — | Single user | Workspaces |
| Mortgage event log | DIY | — | — | Built-in |
| Scenario “what-if” | Hard | — | Advanced | Advanced |
| Irish tax modelling | DIY | — | US-centric | DIRT · CGT · DD |
| Ongoing record (not one-shot) | Yes | One-shot | Yes | Yes |
| No advisor / switching upsell | Yes | Lead-gen | Yes | Subscription |
| Bring your own AI | — | — | — | MCP |
Comparison reflects publicly-documented features as of June 2026. We update this table when competitors ship new features.
Not ready to try it?
Get the Irish-tax planning notes.
Plain-English explainers on deemed disposal, DIRT, AVC headroom and mortgage overpayment — the things no budgeting app helps with. Occasional, no spam.
Double opt-in. We store only your email. EU-hosted.
The moat · available now
Query your money in your own AI.
Most personal-finance tools either lock you into their chat experience or hand your data to a generic LLM. WealthScope does neither. The Model Context Protocol server runs on your stack; your AI subscription stays yours; your data stays Irish-grade pseudonymised.
Bring your own subscription
Connect WealthScope to your own Claude or ChatGPT account. Inference cost stays with you; we never see your API key.
Pseudonymised by design
The ledger holds numbers, not names. PPSN, Eircodes, IBANs and full account numbers are simply not stored.
Sandboxed widgets
Charts render in your chat through single-use JWT tickets that expire in 60 seconds. The widget can't reach back to your account.
Available now — connect Claude or ChatGPT in a couple of minutes. The Model Context Protocol is an open standard; new client support is added as it lands.
Spend ten seconds in our cockpit.
One click drops you into Sean & Ciara’s seeded household. Real mortgage events, real timeline, real scenarios — no signup, no card, no email.
Free during beta · Hosted in EU · GDPR-aligned by design