UK CGT Calculator for Fidelity

From Fidelity.com, the History download: Accounts & Trade, then History, then Download, the CSV whose header begins Run Date, Account, Account Number, Action, Symbol. From Fidelity.co.uk, the Transaction history CSV under Transactions & Reports. Start at your first buy, not at 6 April: the cost of what you sell comes from your whole buying history (HS284).

No. A Fidelity.com History file is known by its Run Date and Accrued Interest columns, a Fidelity International file by the Order date, Transaction type and Product Wrapper header on line 7, after its six-line preamble. A portfolio, positions or valuation export has no dealing rows and is refused by name rather than read as an empty year.

No. Download each range and upload the files together. A row that appears in two files is counted once.

HMRC’s monthly rate for the month of each trade. A Fidelity.com file is dollars throughout, with no sterling column, so every buy, sale, dividend and interest row is converted from its own month. A Fidelity International file settles in pounds and needs no conversion.

Run Date. HMRC dates a disposal by the day the contract is made, not the day it settles (TCGA92 s28), so the Settlement Date column is not read. Fidelity exports newest first; the rows are put back into date order.

In the amount. Fidelity.com fills Amount ($) net of Commission ($) and Fees ($), so a buy’s cost and a sale’s proceeds are read from that column as they stand; price × quantity is used only when Amount is blank. Fidelity International puts each Dealing Fee on a row of its own: an EQQQ buy of £357.27 against £355.77 of cash out is a £1.50 fee, already inside the buy’s cost; on a sale it comes off the proceeds. A fee that fits no buy or sale that day is named in a warning.

As Fidelity lists them. A DIVIDEND RECEIVED row has one amount and no withholding row beside it, so the report shows the dividend as paid, with £0 of foreign tax against it on the SA106. Tax withheld by Fidelity, if any, is on your 1042-S; enter it there for Foreign Tax Credit Relief.

INTEREST EARNED on the core money-market fund is savings interest, shown on the foreign pages as interest from overseas savings. A REINVESTMENT row, a dividend swept back into SPAXX, is a purchase of fund units and sets their cost. A fund that pays as DIVIDEND RECEIVED, SGOV for one, is recorded as a dividend; UK rules may treat that income as interest, so review those rows.

Yes. In an All Accounts export, rows in an ISA, Junior ISA or SIPP wrapper are skipped, and one warning says how many. Investment Account and Cash Management Account rows are read. A wrapper with any other name is read as taxable and named in a warning with its line number, so nothing is dropped or taxed in silence.

Because it was a withdrawal. Fidelity writes Sell against Cash for the cash leg of taking money out. The Investments column, not the transaction type, says whether a row is a fund or the cash balance, and only a fund is a disposal.

Through the ISIN, which the export does not carry. Vanguard funds are placed from their names and their reported income applied; any other fund is named in a warning so you can enter its ISIN and ERI yourself. Interest is reported gross, the figure the return asks for; the Tax On Interest row Fidelity deducts is not carried through, so enter the tax already paid on the savings pages.

Yes. Upload the files together. Fidelity.com rows carry the ticker, so Apple at Fidelity and at Schwab or IBKR is one Section 104 pool and the 30-day rule runs across them. Fidelity International funds are keyed on the ticker Fidelity prints in brackets, VWRL for instance, or on the fund name when there is none; a name never meets another broker’s symbol, and the report says so when that could matter.