In development · Launching in stages

Know your UK tax position
before you sell.

Export a CSV from your platform, hand it to the app, and see the capital gains position on what you already hold — which lots carry a gain, what a disposal would use of your allowance, and how much of it is left this tax year. No bank login and no connection to your platform: the app reads the file you pick and nothing else.

Currently invite-only. Coming to the App Store and Google Play.

SAMPLE DATA · not a real accountISA allowance · 2026/27 — £20,000 left · £0.00 used of £20,000. Resets 6 Apr 2027.CGT exempt used — — No disposal data yet.What happens if I sell: proceeds £12,400 less cost £8,900 is a gain of £3,500; the £3,000 exempt amount leaves £500 taxable, and at the basic rate that is £90.Some figures are not measured yet. Derived figures pending · fees unmeasured for some holdings · some valuations at acquisition cost.

9:41

NEOINVESTILLUSTRATIVE

YOUR TOTAL · 4 ACCOUNTS

£48,260▲ £1,142 · 30d

ISA ALLOWANCE LEFT

£12,340

CGT IF SOLD TODAY

£312

247 days to tax year end

Stocks & Shares ISA£21,480

SIPP£14,300

General account£6,080

Cash savings£6,400

NeoInvestGPT: You have £12,340 of ISA allowance left this year, and £6,400 sitting in cash. Want me to explain how the allowance works?

Product preview with illustrative data. Not a recommendation.

HOW IT WORKS

Three steps, and none of them is a login.

You stay in control of what the app sees, because you are the one who hands it over.

STEP 1

Export

Download a CSV from your platform, or type an account in by hand. Five platforms are supported.

STEP 2

Import

Pick the file. Every row is tied to an instrument by its ISIN, so a figure is only attached to something identified.

STEP 3

See the position

Which lots carry a gain, what a disposal would use of your allowance, and how much is left this tax year.

THE CLARITY GAP

The UK doesn't have an investing problem. It has a clarity problem.

£610bn

estimated to be held in cash by UK adults who could invest it

7m+

adults with £10,000 or more in cash savings

of UK adults received financial advice about their pensions or investments in the previous 12 months

Sources: FCA Financial Lives Survey 2024 (7m+ and 9%)
Barclays UK Investment Gap estimate, 2025 (£610bn)

WHAT WE'RE BUILDING

Five tools. One honest picture.

PORTFOLIO IMPORT

Your whole portfolio, without the faff.

Add holdings manually or upload a CSV or broker statement — no bank credentials, no waiting. Automatic account connections through regulated Open Banking arrive in a later phase.

WAYS TO ADD HOLDINGSPHASE 1

Manual entryReady

CSV uploadReady

Broker statementReady

Open BankingLater phase

Read-only by design. We never move money.

UK TAX INTELLIGENCE

See the tax bill before you sell.

Allowances, exemptions, tax-year deadlines. We track your ISA and SIPP headroom and preview capital gains scenarios — before decisions get made, not after. And the costs most tools skip: platform fees, fund overlap and FX — in pounds, not percentages.

CGT SCENARIOILLUSTRATIVE

Unrealised gains£4,733

Annual exempt amount−£3,000

Taxable gain£1,733

Est. CGT at basic rate£312

Illustrative. Not a recommendation.

SCENARIO ENGINE

Not a prediction. Three rates, published by the regulator.

The FCA publishes three growth rates firms must use when they project — lower, intermediate and higher. We apply those, minus the charge on the fund, and state the result in today's money. Same arithmetic every time, and you can see the inputs.

10 YEARS · TODAY'S MONEYILLUSTRATIVE

Lower · 2%£20,100

Intermediate · 5%£32,700

Higher · 8%£52,800

In today's money, after a 0.22% fund charge, starting value held for 10 years in an ISA. Nominal: £29,800 · £39,800 · £52,800.

FCA COBS 13 Annex 2 projection rates · signed register. These rates are maxima and COBS 13 does not bind us — we adopt the regulator's anchor rather than invent a return assumption. Today's money uses the signed prudent pairing: the lower rate is deflated by 4% inflation, the higher by 0%, so the downside is never flattered. Illustrative, not a forecast. Capital at risk.

Someone checking their portfolio on a phone

NEOINVESTGPT

Plain English. Zero sales pitch.

An assistant that knows UK investing — ISAs, SIPPs, fees, tax years — and answers like a person, not a brochure. It teaches, it never sells, and it says when a question needs a regulated adviser.

What's the difference between a Stocks & Shares ISA and a general account?

An ISA shelters gains and dividends from tax, with a £20,000 annual allowance. A general account has no shelter — gains above the CGT exemption are taxable. Want to see how that plays out over 10 years?

Educational only — never personal advice.

MARKETS & INSIGHTS

Data is everywhere. Meaning isn't.

UK, US and European shares, ETFs, funds, FX and precious metals — with the analysis layer most tools skip: what your risk actually is, where you're concentrated, what costs are doing to you, and how your holdings behave together. Arriving after our portfolio and tax tools.

COVERAGEILLUSTRATIVE

UK & US equitiesLater phase

ETFs & fundsLater phase

FX & precious metalsLater phase

Concentration risk34% in one holding

Illustrative data. Not a recommendation.

WHY IT MATTERS

Money decisions are life decisions.

The deposit

See what a house deposit really needs — and how tax shapes the timeline.

Finishing early

Model retiring five years sooner, with the SIPP maths made visible.

The safety net

Understand what your family would actually have — across every account.

INDEPENDENT BY DESIGN

We don't sell investments. So we don't need you to buy them.

When an app earns commission on what you buy, that shapes what you get shown. Our only revenue is your subscription — which makes honest numbers the entire business model.

WHAT WE DO

Analytics on your real accounts
UK tax visibility, all year round
Scenario projections you control
Plain-English education

WHAT WE NEVER DO

Place a trade. The app cannot buy, sell or move anything — there is nothing in it that could.
Take a commission. No kickbacks, no referral fees, no product placement. Our only revenue is a subscription.
Ask for your platform or bank credentials. We hold no login for any provider, so there is nothing to leak or misuse.
Fetch anything on our own. There is no background sync and no standing access: the app reads the file you export and hand over, and nothing else.
Give advice. No personal investment recommendations, and no tax advice — the figures are estimates from what you enter.

HEADQUARTERED IN LONDON

Built in London.
Built for the UK.

NEO-INVEST.AI LTD · COMPANY NO. 17358165 · EC1V 2NX

WHERE WE ARE

Built in the open.

NOW

Research & build

Interviewing UK investors and savers, building the analytics engine with compliance designed in from day one.

Private alpha

The first release goes out in stages, and early users shape the product with us.

THEN

UK launch

Web, iOS and Android — with the NeoInvest Academy alongside.

LATER

Open Banking connections

Automatic, read-only account syncing through FCA-regulated Open Banking providers.

FROM THE ACADEMY

Learn while we build

Plain-English guides to UK investing — free, independent, updated for 2026/27.

All articles

PLAIN ENGLISH

Capital gains tax in 2026/27, explained without jargon

Allowances, rates and the timing rules that catch people out.

6 min read

TAX BASICS

ISA vs GIA: what the tax difference actually costs you

Two account types, one very different tax bill.

7 min read