General Investment Account tracking, done properly
A GIA has no tax wrapper, so gains and dividends are taxable. This is where Omnicogi's Section 104 CGT pooling and dividend tax modelling matter most.
Join the waitlistTax treatment inside a GIA
Capital gains above the annual exempt amount are taxable, and Omnicogi applies HMRC Section 104 share pooling automatically to work out your cost basis on partial disposals. Dividend income above the £500 allowance is taxed at 10.75% / 35.75% / 39.35% depending on your band (2026/27 rates).
What Omnicogi shows for your GIA
- True XIRR: your money-weighted annualised return, calculated on your real contribution dates.
- Clean Cash vs Generated Wealth: what you put in, versus what the market returned.
- Benchmark gap: your GIA performance against the FTSE 100, S&P 500, or MSCI World.
- Zero broker login: imported from a CSV export, never an Open Banking connection.
Frequently asked questions
How does Omnicogi handle GIA tax?
Capital gains above the annual exempt amount are taxable, and Omnicogi applies HMRC Section 104 share pooling automatically to work out your cost basis on partial disposals. Dividend income above the £500 allowance is taxed at 10.75% / 35.75% / 39.35% depending on your band (2026/27 rates).
What's the GIA allowance?
No contribution limit, but capital gains and dividend income are both taxable above HMRC's thresholds.
How do I get my GIA data into Omnicogi?
Export a transaction history CSV from your broker (see broker guides) and upload it to Omnicogi. No broker login or Open Banking connection is required. Add a snapshot from your broker's own statement to reconcile the ledger.
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See your real GIA return, not an estimate.
Omnicogi calculates true XIRR and correct UK tax treatment for your GIA, imported from a CSV, no login required.