Three steps. One source of truth.

Forget Open Banking scrapers and credential sharing: just drag and drop your broker CSVs into a high-precision, server-side calculation engine built for complete data sovereignty.

01 INGEST

Native Parser

Drag & drop CSV parsing

Zero credentials or bank logins required. Native parsing for Interactive Investor (II) and Fidelity International CSVs; Hargreaves Lansdown, Trading 212, AJ Bell, Vanguard, and every other UK broker import too, via automatic column matching.

ii_trades_2024.csv Parsed

RR.L BUY 1,500 shs −£1,586.10

BP.L DIV Gross Inc +£142.50

Interactive Investor Fidelity Trading 212 +3 more

02 VERIFY

Zero Drift

Snapshot sanity check

Snapshot Reconciliation acts as a mathematical sanity check against your official broker statements. Matches holdings, cash balances, and share counts so every penny of net worth is accounted for.

Broker Statement

£139,420.50

Engine Ledger

£139,420.50

Holding & Cash Match: 100%

Delta: £0.00

Mathematical Sanity Check Verified

03 ANALYSE

True Yield

Clean Cash & True Yield

Isolate your deposited capital with Clean Cash. Compute daily-weighted Newton-Raphson XIRR and retain closed positions permanently to evaluate past trades years later.

Clean Cash

£82,000.00

Capital In

Generated Wealth
+£57,420.50
Gain & Divs

See what each trade actually earned.

You made 185% on Rolls-Royce; the FTSE made 2.0%. What-If Analysis benchmarks every trade against the FTSE 100, S&P 500, and MSCI World, showing what you would have made had you sold earlier or held on.

Rolls-Royce Holdings · RR.L

Buy Jan 2023 → Sell Jan 2024

12-month hold · sold for +184.9% · ISA wrapper

Outperformed

Your return

+184.9%

105.74p → 301.20p

FTSE 100 · same period

+2.0%

7,554 → 7,705 pts

You vs benchmark

+182.9 pts

You crushed the market

Verdict. You outperformed the market by 182.9 points. If you had held until Jun 2026, you would have made +362% more on top, helping you make better decisions next time.

Don't let a "Total Value" hide your real profit.

Most broker dashboards and spreadsheets blend your new deposits with dividends and capital gains. It creates the illusion of growth while masking how your capital is truly performing.

One number is never enough.

Omnicogi keeps an immutable double-entry ledger of every transaction across your portfolios. We permanently isolate Clean Cash (the net capital you deposited) from Generated Wealth (the wealth your money generated).

Calculations are powered by server-side daily-weighted Newton-Raphson XIRR, accounting for the exact timing of every pound deployed.

Read the methodology

Feature	Spreadsheets & Broker Apps	Omnicogi
Capital Tracking	Blended total value	Clean Cash vs Generated Wealth split
Yield Calculation	Simple % or broken Excel formulas	Daily-weighted Newton-Raphson XIRR
Sold Positions	Disappear upon sale	Preserved on lifetime ledger
"Do Nothing" Test	Manual comparison	Automated vs FTSE 100, S&P 500, MSCI World

Always know where your money is.

Don't let your wealth become fragmented across accounts. Understand exactly where your capital is deployed and stay on top of your UK tax wrappers in one view.

Total Asset Allocation

See your exposure across industries, geographies, and asset classes (cash, property, pensions, crypto, precious metals, and business equity).

Asset Class Split

Stocks 40% Property 35% Savings 20% Other 5%

Total asset weighting across brokers
Allocation shifts & drift tracking over time
Multi-currency portfolios (GBP, USD, EUR)
What-if scenario analysis & asset exposure

UK Tax Insight & S104 Pooling

Built ground-up for UK tax rules. Track performance within ISA, SIPP, and GIA wrappers separately.

ISA (£20k)

£20k

SIPP (£60k)

£60k

GIA (S104)

£42k

Automated Section 104 average cost pooling
ISA (£20k) & SIPP (£60k) annual allowance tracking
UK tax year alignment (6 April – 5 April)
HMRC-ready capital gains & dividend reports

Your whole balance sheet, not just the equities.

Property and cash make up most UK household wealth. Track both beside your portfolio so your net worth and real returns are never a partial picture.

Property

Primary residences and buy-to-lets, with dynamic LTV, mortgage amortisation and equity growth tracked over time.

Dynamic Mortgage LTV

Monitor LTV and equity build-up as you pay down capital vs interest.

Net Rental Yields

True yields after maintenance, management, insurance and tax.

The “Do Nothing” Benchmark Test

Compare property returns against a passive global index fund, or against keeping the cash invested.

Main Home

£120k Equity

69% LTV

£268k Mortgage £388k Value

London Flat

4.8% Net Yield

Cash savings

Multi-bank accounts, notice accounts and cash ISAs, benchmarked against UK CPI so you see real purchasing power.

Cash ISA & Allowance Limits

Monitor your £20,000 ISA contribution ceiling across cash and investment wrappers.

CPI Inflation Benchmarking

See your real yield after UK CPI, protecting capital from silent erosion.

Real Yield vs CPI +1.9%

Average Interest 4.5%

CPI 2.6%

Monzo

4.1%

Premium Bonds

4.4%

Model your path to financial independence.

Planning for retirement requires understanding when your investments can support your lifestyle. Omnicogi projects your wealth trajectory and offers optional ISA Bridge modelling to show how accessible ISA and taxable savings bridge the gap before private pension access (currently age 55, rising to 57 from 2028).

FI crossover date & net worth projections
Optional ISA Bridge modelling (bridging the gap to private pension access)
Adjustable savings rates, real returns & drawdown assumptions

52

FI Crossover Age

52 → 57

Bridge Window

7.2%

Real Return (Net CPI)

Accessible Pot (ISAs & Taxable)

Pension Pot (SIPP & Workplace)

FI Target £900k

Free during beta. Full stop.

Every feature on this page (including the full analytics suite, What-If analysis, and HMRC tax tools) is unlocked for every account while Omnicogi is in beta.

Why it's free right now

Omnicogi does not have a checkout yet, so every new account is automatically granted full access for as long as the beta lasts: there is no separate "trial" that runs out.

In return, closed-beta testers join our import diagnostics program (uploaded CSVs retained up to 90 days to fix parsing issues and widen UK broker support). Paid plans post-beta will be a transparent subscription with no data selling, at £4.99/month for Premium (always with advance notice, per our terms).

As a thank-you, beta testers who contribute (by importing a portfolio, reporting issues, or leaving feedback) lock in 50% off Premium for their first 12 months once we launch paid plans.

Feature	Free plan	Premium · £4.99/mo
Active portfolios	1	Unlimited
Holdings per portfolio	15	Unlimited
Manual wealth assets (property, cash & more)	2	Unlimited
Portfolio sharing	Locked	Included
FIRE / ISA Bridge projections	Locked	Included
Excel & HMRC tax exports	Locked	Included

Zero Broker Credentials

You never share a password, 2FA code, or account access. Data enters Omnicogi only through CSVs you export and upload yourself.

High-Precision Server Engine

Calculations run on our high-precision mathematical engine. Your portfolio data stays user-controlled and is never packaged or resold.

Encrypted in Google Cloud

Every transaction and uploaded record is encrypted in transit (TLS 1.3) and at rest (AES-256) on Google Cloud.

Read our full privacy commitments →

Free financial calculators: no signup required

The maths behind Omnicogi, usable today. Also in the help centre.

FIRE Calculator Fee Drag Visualiser Dividend Snowball Property vs Equities Mortgage vs Investing

See exactly what your total assets are doing.

Join the waitlist for early access. Native CSV parsing for Interactive Investor and Fidelity International, with every other UK broker importable too.

Read the methodology

Spot a bug, or have a suggestion for the platform?