The analysis layer your broker never gave you

A privacy-first intelligence layer and net worth tracker built specifically for UK DIY investors pursuing financial independence (FIRE). Zero broker logins, no Open Banking scrapers: just institutional-grade mathematics across your ISAs, SIPPs, GIAs, savings, property, and other assets.

Why we built Omnicogi

Omnicogi was born out of a simple frustration shared by UK DIY investors. While individual banking and broker apps show current balances, true performance visibility is almost impossible.

Broker apps are designed to encourage trading, not deep analysis. They conflate new deposits with actual capital growth, drop closed positions from your historical returns, and rarely speak to your other accounts. Custom spreadsheets are a fantastic starting point, but maintaining daily-weighted XIRR across fragmented accounts, corporate actions, and HMRC Section 104 pooling becomes a heavy manual chore.

We built Omnicogi to answer the questions fragmented wealth obscures: whether a rising balance reflects genuine market outperformance or just fresh deposits, what your true annualised money-weighted return (XIRR) is across a scattered set of ISA, SIPP, and GIA accounts, whether you're actually beating a "Do Nothing" benchmark index fund (FTSE 100, S&P 500, MSCI World), and, for anyone planning to retire early, how far accessible ISA savings can bridge the gap before private pension access (currently age 55, rising to 57 from 2028).

Our mission: clarity without compromise

To give independent UK investors the same mathematical clarity that professional fund managers take for granted, without requiring credential sharing or intrusive third-party bank scrapers. We combine high-precision server-side calculations with strict data sovereignty.

We start with your stock and pension portfolios, benchmarking every trade, holding, and transaction against global indices, and layering in cash savings, inflation benchmarking, and property equity to give you complete visibility on your journey to financial independence (FIRE).

Omnicogi is not a broker, bank, or data aggregator. We never hold client funds, execute trades, or harvest financial data. We operate as an independent intelligence layer: no broker credentials, no Open Banking read APIs, and zero credential sharing. Your uploaded CSV data remains entirely user-controlled.

How it works

The mechanics behind the numbers: what sets Omnicogi apart from spreadsheets and broker dashboards.

The unified double-entry ledger

Every trade, dividend, fee, cash transfer, and corporate action is recorded as a double-entry ledger event. Unlike broker apps that erase sold assets from your view, Omnicogi retains lifetime closed positions permanently so you can evaluate past trade decisions years later.

Multi-currency transactions (GBP, USD, EUR) are converted using exchange rates derived from your own transaction history, not a live market feed.

Clean Cash vs Generated Wealth

We isolate every pound of net deposited capital (Clean Cash) from organic performance: capital gains, dividend yields, and cash interest (Generated Wealth). Daily-weighted Newton-Raphson XIRR accounts for the exact timing of every cash flow.

Spreadsheet P&L formulas conflate deposits with growth. Newton-Raphson XIRR isolates how hard your money actually worked.
Snapshot reconciliation

A Snapshot is a point-in-time sanity check from your official broker valuation or statement. Omnicogi reconciles it against your transaction history, matching share quantities, cash balances, and unit costs to prove ledger completeness.

Ledger + Snapshots = Mathematical Proof. Discrepancies immediately flag missing dividends, unrecorded fees, or untracked corporate actions.
Section 104 pooling & UK tax engine

UK Capital Gains Tax requires average cost pooling under Section 104 TCGA 1992, not US FIFO. Omnicogi maintains your S104 pool automatically: every purchase recalculates the pooled cost basis, and disposals calculate exact HMRC-compliant gains.

ISA (£20k) and SIPP (£60k) annual allowance usage and pension tax relief are tracked separately by UK tax year.

The "Do Nothing" benchmark engine

Did your active stock picking generate real alpha, or would you have been better off in a low-cost index fund? Omnicogi benchmarks every trade and portfolio against the FTSE 100, S&P 500, and MSCI World.

Calculates both Time-Weighted Returns (TWR) for strategy evaluation and Money-Weighted Returns (XIRR) for actual personal yield.

Retirement & optional "ISA Bridge" modeller

For those exploring early retirement, managing accessible capital (ISAs and taxable accounts) separately from locked pension assets (SIPPs currently unlocking at age 55, rising to 57 from 2028) is essential.

Omnicogi helps you model optional ISA Bridge scenarios, stress-testing withdrawal timelines to ensure accessible funds support you until pension access begins.

Privacy as a superpower: zero Open Banking APIs

We deliberately reject Open Banking scrapers and third-party credential aggregators. Financial data is too sensitive to entrust to third-party data brokers. By relying on direct, drag-and-drop broker CSV ingestion, your login credentials never leave your custody, and your portfolio data is never monetised or packaged for advertisers.

All computations execute on our secure server-side engine, encrypted in transit (TLS 1.3) and at rest (AES-256) on Google Cloud infrastructure.

How to use Omnicogi

From CSV export to real portfolio clarity in minutes.

1

Create your portfolio wrappers

Select your UK investment wrappers: Stocks & Shares ISA, SIPP, or GIA, alongside cash savings and other assets. Wrapper rules determine tax treatment, Section 104 pooling requirements, and allowance tracking across your accounts.

2

Import broker CSVs (zero credentials)

Export your transaction history CSV from your broker and upload it. Launching with native support for Interactive Investor (II) and Fidelity International, with Hargreaves Lansdown, Trading 212, and AJ Bell following. Omnicogi deduplicates, normalises currency, and builds your double-entry ledger.

3

Add a snapshot reconciliation

Enter your holding quantities and cash from a broker valuation or statement. Omnicogi mathematically verifies that your ledger matches your real broker holdings down to the penny.

4

Review XIRR & benchmark returns

View daily-weighted Newton-Raphson XIRR and TWR. Benchmark individual trades and aggregate portfolios against the FTSE 100, S&P 500, and MSCI World to evaluate real alpha vs market drift.

5

Model retirement and your ISA bridge

Explore financial independence timelines. Project wealth accumulation, model early retirement goals, and test whether accessible ISA savings can cover the runway before private pensions unlock (currently age 55, rising to 57 from 2028).

6

Automate UK tax & HMRC reports

Monitor Section 104 CGT pooling, £20k ISA allowances, £60k SIPP limits, and dividend tax thresholds. Omnicogi works out your chargeable gains under HMRC’s pooling and matching rules so the figures are ready for a return or an accountant: it calculates gains, not the tax you owe. SIPP allowance tracking and PDF/Excel/CGT exports are live.

What you get

  • Zero broker logins · No Open Banking scrapers
  • Native CSV support for II & Fidelity Intl (others following)
  • Daily-weighted Newton-Raphson XIRR & TWR
  • Clean Cash vs Generated Wealth isolation
  • "Do Nothing" benchmarks vs FTSE 100, S&P 500, MSCI World
  • Permanent lifetime retention of closed positions
  • Automated HMRC Section 104 average cost pooling
  • UK ISA (£20k) & SIPP (£60k) allowance tracking
  • FIRE modeller with optional "ISA Bridge" projection
  • Snapshot reconciliation against broker statements
  • Dynamic mortgage LTV, equity build-up & CPI real yield
  • Section 104 gain calculations, with PDF, Excel & CGT exports
Start tracking free Read the docs
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