Reddit startup idea
UK Capital Gains Rebuilder
A UK-focused web app that reconstructs equity transaction history from uploaded broker statements/contract notes and produces HMRC-ready CGT calculations and audit trails (matching rules, pooled costs, bed & breakfast). It also generates a payment-plan readiness pack: estimated liability timeline, what-to-file checklist, and a structured record bundle to reduce fear of reporting.
- Subreddit: ukpersonalfinance
- Industry: Financial Independence & Personal Finance
- Target date: 2026-03-25
- Upvotes: 115
- Comments: 101
Suggested product
UK Capital Gains Rebuilder
A UK-focused web app that reconstructs equity transaction history from uploaded broker statements/contract notes and produces HMRC-ready CGT calculations and audit trails (matching rules, pooled costs, bed & breakfast). It also generates a payment-plan readiness pack: estimated liability timeline, what-to-file checklist, and a structured record bundle to reduce fear of reporting.
Target customer
UK retail investors and first-time self-assessment filers who sold shares/ETFs and lack complete broker records (including people who switched/closed brokers), plus UK accountants who need faster client CGT reconstructions.
Problem-solution fit
Users face severe downside risk (penalties/interest) and decision paralysis because they can’t accurately compute gains or document them. By rebuilding trades from statements and outputting defensible CGT reports plus a step-by-step filing and cashflow plan, the product reduces the effort and fear barrier that drives non-compliance.
Keywords
- UK CGT
- broker import
- share sale history
- self assessment
- tax records