Blog
News, guides, and tax insights for UK investors
Two new calculators: UK take-home pay and mortgage repayments
New: a UK salary calculator (2026/27–2024/25, Scottish bands) and a UK mortgage calculator (repayment or interest-only, overpayments). Free, no sign-in.
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Interactive Investor CGT: upload your transaction listing, get an HMRC report
UK CGT from the Interactive Investor transaction CSV: trades, gilt coupons, cash interest, currency purchases; gilt disposals CGT-exempt from the SEDOL.
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The 60% Tax Trap Between £100,000 and £125,140
The 60% tax trap: the personal allowance is withdrawn £1 per £2 above £100,000. The arithmetic, the childcare cliff and the pension escape.
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Vanguard UK CGT: upload your Client Transaction Listing, get an HMRC report
UK CGT from the Vanguard Investor UK Client Transaction Listing: buys, sells, dividends, cash interest, dealing fees; ERI applied for accumulating ETFs.
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Hargreaves Lansdown CGT: upload your Transaction Summary, get an HMRC report
UK CGT from the Hargreaves Lansdown Transaction Summary or Portfolio Summary CSV: dealing charges recovered, gilts matched to the DMO register for s115.
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VanEck ERI is now bundled — no more reading the figure off a PDF
VanEck UCITS ETFs ERI now applied automatically: 12 share classes, 2022–2025 periods, with the Section 104 cost uplift in the right tax years.
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Are UK Gilts Exempt from Capital Gains Tax?
Gilts are CGT-exempt under section 115 — losses on gilts are not allowable either. Still taxable: the coupon, accrued interest and gilt strips.
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Crypto lending and liquidity pools: the 2027 tax rules
From April 2027 HMRC defers Capital Gains Tax on crypto loans and liquidity pool deposits. What the "no gain, no loss" rule changes, and what it does not.
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Underpaid CGT for 2024/25? The box 51 fix before 31 Jan 2027
HMRC's Self Assessment calculation doesn't apply the new 30 October 2024 CGT rates on its own. If you sold shares after that date, you likely owe more — and the fix is box 51.
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Fidelity UK CGT: upload your History CSV, get an HMRC report
Calculate UK CGT from the Fidelity brokerage History CSV: stock disposals, foreign dividends and money-market reinvestments, at HMRC monthly FX rates.
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The Wheel Strategy and UK CGT: How the Tax Works
How UK Capital Gains Tax works on the wheel strategy: cash-secured puts, assignment, covered calls, being called away, and the cross-year amendment trap.
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Self Assessment for investors: SA108, SA106 & SA100
Which Self Assessment forms cover shares, crypto, options and foreign dividends — and how the calculator fills every box for you.
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Options and UK Capital Gains Tax: How CGT Works on Options Trading
How HMRC taxes equity options: expiry, selling, exercise, assignment and writing — with real worked numbers from our calculator.
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How to Find and Report Excess Reportable Income (ERI)
Find the ERI figure for your offshore ETF, work out the deemed income, and report it on Self Assessment — without taxing yourself twice.
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HMRC now sees your crypto: what CARF means for your CGT
From January 2026 UK exchanges report your trades to HMRC under the Cryptoasset Reporting Framework. What data they send, and how to reconcile your gains.
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Tax on cash in stocks and shares ISAs from April 2027
Cash in a stocks and shares ISA is taxed from April 2027 (22% savings rate in 2027-28). Money market funds count as cash; gains, dividends stay tax-free.
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Robinhood UK CGT: upload your Activity Statement, get an HMRC report
Calculate UK CGT from the Robinhood UK Activity Statement CSV: stock disposals, dividends and US withholding tax, at HMRC monthly FX rates.
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Bed and ISA: Using Your CGT Allowance Without the 30-Day Rule
Bed and ISA lets you crystallise gains up to your £3,000 allowance and rebuy inside an ISA the same day. Here's why HMRC's 30-day rule doesn't apply.
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UK Capital Gains Tax rates from April 2026: what is new for 2026-27
2026-27 CGT rates are 18% and 24% — same as last year. What actually changed: BADR rises to 18% and carried interest moves to income tax.
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The New Cryptoasset Boxes on SA108: A Walkthrough for 2025-26
SA108 has a dedicated cryptoasset section from 2024-25: boxes 13.1–13.8. What goes in each box, with a worked example of a swap and a stablecoin disposal.
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UK Crypto Capital Gains Tax: Swaps, Stablecoins, Fees, Staking and Airdrops Explained
How HMRC taxes crypto in the UK: swaps, stablecoin pricing, fees, staking, airdrops and GBP conversion. Worked examples with HMRC manual references.
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UK Tax on Accumulating vs Distributing ETFs
How accumulating and distributing ETFs are taxed outside an ISA, including ERI, deemed income, Section 104 cost basis and Self Assessment.
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Do You Need to Report Capital Gains If No Tax Is Due?
Two HMRC thresholds decide if you must report: £3,000 gains and £50,000 proceeds. Here's how to check and what happens if you miss one.
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Business Asset Disposal Relief: Rates Rising to 18% in April 2026
BADR rates are climbing from 10% to 18% over two years. How the rate ladder works, who qualifies, and what it costs on a real disposal.
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CGT Rate Changes in 2024-25: Two Rates in One Year
The 2024-25 tax year has two CGT rates — 10%/20% before 30 October and 18%/24% after. How to split your gains and report correctly.
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How Section 104 Pooling Works
A practical guide to HMRC's Section 104 share pooling rules and how they affect your capital gains tax calculations.
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Your Data Is Never Stored
How our CGT Calculator handles your broker data — nothing stored, no tracking, no ads. Your trades are never saved.
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