Top 5 CGT Tracking Tools UK Investors 2026

If you sold shares in a general investment account this year, the £3,000 annual exempt amount has probably pulled you into CGT territory whether you planned for it or not. The tools below sort the immediate job: computing your gains under HMRC's matching rules for the SA108. Then there is the question almost everyone asks the day after filing. Could I have paid less? That is where planning, not calculation, comes in.

What Makes a Good CGT Tracking Tool

After testing the options available to UK investors, here is what separates the useful from the useless when it comes to tracking capital gains tax:

• HMRC compliance: It correctly applies the share matching rules in the right order.
• Broker integration: It can import data from your specific broker without manual entry.
• Clear reporting: It produces figures you can actually use for your SA108 form.
• Planning support: It helps you see next year's position (allowances, losses, timing) before you trade, not just report after.
• Loss handling: It correctly offsets losses against gains and shows carry-forward amounts.
• Tax year clarity: It is updated for the current tax year with correct rates and allowances.

This Year's Bill Is Fixed. Next Year's Isn't.

By the time you are calculating CGT, the bill is history. Nothing a tool shows you changes what you owe for last year. The tools below make reporting it accurate and quick, and that matters.

But almost every CGT return contains a quiet lesson. A sale that could have waited for the new tax year. A spouse's allowance that went unused. Shares rebought inside 30 days, tripping the Bed and Breakfast rule. None of it was illegal or even unwise. It was just unplanned.

That is the gap our free UK CGT planner spreadsheet covers: B&B rule scenarios, the £3,000 allowance, spousal transfers, and how your ISA and GIA interact. Get the return done with the tools below, then spend twenty minutes making sure next year's bill is the one you chose.

Why CGT Planning Matters More Than Ever

The UK capital gains tax landscape has become more complex and more consequential in recent years. The annual exempt amount has reduced significantly, and more investors are finding themselves with taxable gains across their portfolios. Whether through self-selected shares, platform-based investing, or the growth of alternative assets, UK investors are increasingly likely to face CGT bills they did not anticipate.

The problem is not that CGT exists. The problem is that most investors discover their liability only after the tax year ends, when there is little they can do about it. Tax-loss harvesting opportunities are missed. Bed and Breakfast rules catch them by surprise. And the interaction between ISAs, pensions, and taxable accounts remains opaque until a surprise bill arrives.

What Delphina Does Not Do

We believe in being transparent about what we are and what we are not:

• Delphina is not a tax calculation tool specifically
• It is not a daily budgeting app that tracks every transaction
• It is not FCA-regulated financial advice
• It does not execute trades or manage investments directly
• It does not file your Self Assessment for you

Instead, Delphina does one job: it shows where your wealth is headed over 10, 20 and 30 years, across every account you hold, and which changes would matter most. Tax is part of that picture, but for this year's return, use a calculation tool above.

Conclusion

CGT tracking does not have to be complicated, but it does have to be done. The tools above cover a range of needs, from free government filing to sophisticated broker integration.

The question worth sitting with is not which tool files the return. Any of the ones above will get you there. It is whether you want to meet next January the same way you met this one. Download the planner spreadsheet, block out twenty minutes, and make next year's bill the one you planned.