About Omnicogi

The analysis layer your broker never gave you

A professional portfolio tracker for UK investors — not a broker, not a bank. An intelligence layer over your existing accounts that separates what you deposited from what your money actually earned.

The Origin

Omnicogi was born out of a simple frustration. As independent investors, we found that while individual accounts showed balances, true visibility was almost impossible.

Banking and broker apps are great at showing you what you have today, but they are terrible at showing you how you got there. They conflate new deposits with actual growth, and they never talk to each other. We wanted to answer the simple questions that the "black box" of fragmented wealth hides:

  • "Is this balance high because I'm a good investor, or just because I deposited more?"
  • "What is my actual annualised yield across stocks, savings, and property?"
  • "Am I actually beating a 'Do Nothing' index fund?"

Our Mission

To give individuals the same level of analytical clarity that professional fund managers take for granted. We use institutional metrics like Money-Weighted Return (XIRR) to cut through the numbers and give you the truth about your growth.

We start with your stock and pension portfolios, including every transaction, holding and trade benchmarked against the market, then layer in savings and property so you can see your total net worth and measure progress toward financial independence.

Omnicogi is not a broker or a bank. We don't hold your money or execute trades. We are an intelligence layer that sits on top of your existing accounts, giving you a single professional ledger to understand your net worth, monitor tax, and analyse your financial journey with data.
The clever details

How it actually works

The mechanisms behind the numbers — what makes Omnicogi different from a broker dashboard.

The Unified Ledger

Every transaction — buy, sell, dividend, deposit, withdrawal, corporate action — is recorded as a double-entry ledger event, posted server-side. This is the raw material that makes accurate analytics possible.

Unlike broker apps, Omnicogi tracks your complete financial history. Even when you sell a position, the record stays in your lifetime ledger.

Clean Cash vs Generated Wealth

We permanently separate every pound you deposited (Clean Cash) from every pound your investments earned — dividends, capital gains, interest (Generated Wealth).

Other P&L can be wrong: it can mix new deposits with market gains. XIRR corrects this by accounting for when each pound was actually deployed.
Reconciliation via Snapshots

A Snapshot is a point-in-time capture from your broker statement. Omnicogi cross-references it against the transaction ledger — matching holdings, quantities, and cash balances.

Transactions + Snapshots = complete accuracy. If the ledger and snapshot disagree, you've found a missing transaction.
Section 104 Pooling & UK Tax

UK CGT uses average cost pooling (Section 104), not FIFO like US brokers. Omnicogi maintains your pool automatically: every purchase updates the average, every sell applies the correct HMRC-compliant cost basis.

ISA and SIPP annual allowances are tracked separately, with HMRC-ready export included.

XIRR vs TWR — Two Lenses

XIRR (money-weighted, Newton-Raphson): "What did I earn, given when I actually invested?"

TWR (time-weighted): "How good is the strategy, stripped of my cash-flow timing?" Gap charts benchmark against indices such as FTSE 100, S&P 500, and MSCI World.

Data Reliability Signals

Every metric carries a per-verdict status: reliable, caveated, or unreliable. If cost basis is missing or a ticker is unresolved, the dashboard surfaces the caveat — rather than showing a confident-but-wrong number.

Automated diagnostics scan for missing dividends, orphaned transactions, and stale prices.

Step by step

How to use Omnicogi

From first login to a complete picture of your UK portfolio.

1

Create a portfolio

Choose the wrapper type — ISA, SIPP, GIA, or Taxable. This determines how tax rules apply to every calculation. You can create different portfolios to track them separately.

2

Import your CSV

Export your transaction history from your broker (Interactive Investor, with others to follow) and upload the CSV. Omnicogi deduplicates automatically, maps security identifiers, and resolves each line into structured transactions.

3

Add a Snapshot

Upload a broker statement or manually enter your holdings on a specific date. Omnicogi reconciles it against the transaction ledger and flags any discrepancies — missing dividends, untransacted transfers, corporate actions.

4

Review your performance

The dashboard shows XIRR and TWR with per-metric data reliability badges. Gap charts compare your portfolio return against FTSE 100, S&P 500, or MSCI World for the same period.

5

Track UK tax

See ISA and SIPP allowance usage, capital gains to date (with Section 104 pooling applied automatically), dividend income by tax year, and pension contribution tax relief — all in one view.

6

Export

Download a PDF portfolio statement, an Excel transaction log, or an HMRC-ready capital gains report — for your annual review or your accountant.

What you get

  • XIRR and TWR performance metrics
  • Clean Cash vs Generated Wealth split
  • Benchmark gap charts (e.g. FTSE 100, S&P 500, MSCI World)
  • Per-trade performance analysis
  • ISA & SIPP allowance tracking
  • Section 104 capital gains (UK CGT)
  • Multi-portfolio, multi-wrapper view
  • CSV import with deduplication
  • Snapshot reconciliation
  • PDF & Excel exports

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