What can UK households track?
- Shares, ETFs, investment trusts and bonds on the London Stock Exchange and other major exchanges, priced daily.
- Tax wrappers: stocks and shares ISAs, cash ISAs, Lifetime ISAs, Junior ISAs and SIPPs, either by balance or holding by holding.
- Workplace and personal pensions, by balance.
- Property: your home, buy-to-lets and the mortgages against them, including offset mortgages.
- Cash: current accounts, savings, fixed-rate bonds and Premium Bonds (as a balance).
- Crypto, gold and silver, priced daily.
- Debts: mortgages, loans, car finance, credit cards and buy-now-pay-later.
Set GBP as your base currency. Holdings in dollars or euros keep their own currency and are converted with historical European Central Bank rates, so a US ETF in your ISA is valued correctly in pounds on every date. Your AI (Claude, ChatGPT or another MCP client) reads the statements; Worthbase does the arithmetic, keeps the history and emails you a summary each week.
How do ISAs, SIPPs and pensions work in Worthbase?
Each wrapper is an account. You can record it two ways:
- By balance: the value from your provider's statement or app on a date. Simple, and right for most workplace pensions and cash ISAs.
- By holding: the funds and shares inside it, with units, so Worthbase prices them daily and you see performance by holding.
Worthbase doesn't track ISA or pension allowances, contributions against limits, or tax relief. It also doesn't know an account is tax-free: a sale inside an ISA or SIPP shows up in realised gains like any other.
How are gains and losses reported?
For each sale Worthbase records the proceeds (net of dealing charges), the cost of the units sold (including dealing charges and costs you tell it about, such as stamp duty), the dates, and the gain or loss per owner, converted to pounds at each transaction date's exchange rate. Assets owned jointly with a spouse or partner are split by the exact ownership percentage you set. Sales are matched first in, first out, or against the specific lots you choose.
Worthbase reports gains and losses, not tax. It doesn't calculate Capital Gains Tax, and its figures can differ from what you report to HMRC, so check tax with your accountant.
Which UK brokers can I import from?
There are step-by-step guides for Hargreaves Lansdown, Trading 212 and Interactive Brokers. For any other platform, give your AI the CSV, PDF statement or a screenshot; it maps the columns and Worthbase shows you a preview before anything is saved. There are no platform logins.
How do you get started?
- Choose a plan: US$3.99 a month with a 7-day free trial, or US$49 once for lifetime at the launch price. See pricing.
- Connect Worthbase to Claude, ChatGPT or another AI app.
- Tell your AI who's in the household, that your base currency is GBP, then share your statements.
Questions
Does Worthbase calculate UK Capital Gains Tax?
No. It reports gains and losses per holding and per sale, matched first in, first out or by chosen lots. It doesn't calculate tax.
Can I track my ISA and SIPP?
Yes, by balance or holding by holding. Worthbase doesn't track allowances or treat these accounts as tax-free in its gains figures.
Can it track an offset mortgage?
Yes. Link the savings to the mortgage and Worthbase shows the effective balance after the offset, plus each property's equity and loan-to-value.
Does it connect to Open Banking?
No. There's no bank or broker connection. You share statements with your AI and approve each import.
