Lifetime ISA tracking, done properly
A LISA adds a 25% government bonus on top of ISA-style tax-free growth. Omnicogi tracks the bonus alongside your own contributions so you can see your true blended return.
Join the waitlistTax treatment inside a LISA
Growth is tax-free like a standard ISA. Omnicogi treats the government's 25% bonus as part of Generated Wealth rather than Clean Cash, so your XIRR reflects your own money's return, not the subsidy.
What Omnicogi shows for your LISA
- 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 LISA 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 LISA tax?
Growth is tax-free like a standard ISA. Omnicogi treats the government's 25% bonus as part of Generated Wealth rather than Clean Cash, so your XIRR reflects your own money's return, not the subsidy.
What's the LISA allowance?
Annual limit of £4,000 (counts toward your overall £20,000 ISA allowance), with a 25% government bonus paid on contributions up to age 50.
How do I get my LISA 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 LISA return, not an estimate.
Omnicogi calculates true XIRR and correct UK tax treatment for your LISA, imported from a CSV, no login required.