Most UK investment tax tools solve only part of the return. A crypto calculator stops before your broker activity, while a portfolio tracker may record shares and dividends without applying the UK capital gains rules.
For UK investors who hold both traditional investments and crypto, Finbooks offers the strongest combination of tax coverage and price. It brings shares, ETFs, bonds, derivatives and crypto into the same UK tax workflow, applies the relevant HMRC treatment and prepares the figures you need for Self Assessment.
Finbooks Basic costs £39 a year and does not restrict the number of transactions or accounts you can import. This guide compares that offer with Sharesight, Koinly, Recap and Summ, looking at what each product calculates, where its tax workflow ends and what you pay for the result.
The short answer
Finbooks is the best overall option for a mixed UK portfolio, combining crypto, shares, ETFs, bonds, derivatives and investment income in one tax calculation.
Sharesight is best used as a portfolio tracker: it reports performance and taxable income, but does not currently provide a UK CGT report or apply the 30-day rule.
Koinly and Recap are crypto tax products. Koinly offers broad international crypto coverage, while Recap is a UK-focused specialist with historical years included in its paid plans.
Summ is aimed at complex crypto, DeFi and NFT activity. It now claims shares coverage, although equivalent public documentation for ETFs, bonds and UK share pooling was not available at the date of review.
Finbooks Basic starts at £39 a year with unlimited imported transactions and connected sources; the 7-day free trial lets you test your own history before choosing a plan.
How this comparison was prepared
This article is published by Finbooks. Features and public prices were checked against each provider's own website on October 2026. Where a feature was not documented publicly, the table says so instead of treating its absence as proof that the product cannot do it.
Which tax software is best for UK investors?
If your taxable portfolio extends beyond crypto, Finbooks is the best choice here. Every plan accepts unlimited transactions and connected sources, covers traditional finance and crypto, and produces Self Assessment-ready tax reports. You can start with the £39 Basic plan, add tracking and tax-planning tools with Pro, or delegate the calculation to a dedicated specialist with Human.
Choose Koinly or Recap and you can prepare a strong crypto calculation, but your shares, ETFs, bonds, dividends and broker interest still need another process. Sharesight gives you a much clearer view of portfolio performance and income, although its own UK guidance confirms that it does not currently calculate UK capital gains or apply the 30-day matching rule.
Summ may look closer to an all-portfolio solution because its UK pricing page now lists crypto and stocks coverage, dividend tracking and corporate actions. Its public material remains crypto-led and did not document comparable support for ETFs, bonds or the UK share-matching calculation. If you want the entire taxable portfolio prepared together, Finbooks completes more of the job.
Finbooks, Sharesight, Koinly, Recap and Summ compared
A performance report, a crypto tax report and a complete investment tax calculation are different outputs. The table shows which assets each product covers, which UK rules it applies and what you would still need to calculate elsewhere.
| Criterion | Finbooks | Sharesight | Koinly | Recap | Summ |
|---|---|---|---|---|---|
| Primary use | Complete UK tax calculation across traditional investments and crypto | Portfolio performance and dividend tracking | Crypto tax calculation | UK crypto tax calculation | Complex crypto tax calculation |
| Assets included in the UK tax calculation | Shares, ETFs, funds, bonds, derivatives and crypto | Investment income only; no UK capital gains calculation | Crypto only | Crypto only | Crypto only for UK users |
| UK CGT on shares and ETFs | Same-day, 30-day and Section 104 matching | Not provided | Not provided | Not provided | Not provided for UK accounts |
| UK CGT on crypto | HMRC matching and pooling across imported crypto accounts | Not provided | HMRC matching and pooling for crypto only | HMRC matching and pooling for crypto only | HMRC matching and pooling for crypto only |
| Income included in the tax calculation | Dividends, interest and crypto income | Dividends and distributions only | Crypto income only | Crypto income only | Crypto income only |
| Crypto activity covered | Supported exchange and onchain activity, including staking, lending and DeFi | No crypto tax calculation | Exchange, wallet, DeFi and NFT activity | Exchange, wallet, DeFi, staking, mining and NFT activity | Exchange, wallet, DeFi, staking and NFT activity |
| Figures provided for Self Assessment | Figures ready to enter in SA100 and SA108, covering traditional investments and crypto | Dividend and distribution figures only; UK capital gains must be calculated elsewhere | HMRC Capital Gains Summary and crypto income figures; crypto only | SA108-ready capital gains report and crypto income figures; crypto only | SA100 and SA108 figures for crypto only |
| Criterion | Finbooks | Sharesight | Koinly | Recap | Summ |
|---|---|---|---|---|---|
| Pricing model | Annual plan by feature level | Monthly or annual subscription by holdings and portfolios | One payment for each tax year and transaction tier | Annual subscription by transaction allowance | Annual subscription by transaction allowance |
| Starting paid price | £39 a year | £72 a year when billed annually | $49 for one tax year and up to 100 transactions | £119 a year for up to 5,000 transactions | £49 a year for up to 100 transactions |
| Free access | 7-day free trial | Free plan for one portfolio and 10 holdings | Free import and calculation preview; reports are paid | Free import, portfolio and calculation preview; reports are paid | Free import and preview; no card required |
| Usage limit | Unlimited transactions and sources on every plan | Limits based on holdings and portfolios | 100 transactions on the first report plan | 5,000 transactions on Basic; unlimited on Pro | 100 transactions on Rookie; higher tiers increase the limit |
| Done-for-you tax calculation | Available with Human: a dedicated specialist completes the calculation | Not available; portfolio sharing only | Not available; you can invite an accountant separately | Not included in personal plans; accountant sharing only | Not included; accountant portal and client sharing only |
How does each tax software compare?
Finbooks: best for mixed UK portfolios
Bring your broker accounts, exchanges and wallets into Finbooks and they remain part of the same calculation. You can import shares, ETFs, bonds, derivatives, dividends and interest alongside crypto activity, then review your UK tax position without moving between separate products.
Basic costs £39 a year and already includes unlimited transactions and connected sources. Pro adds automatic syncing, portfolio analytics and tax-planning tools for £99, while Human lets you keep the same underlying portfolio and hand the calculation to a dedicated tax specialist.
Why Finbooks leads this comparison
You can prepare more of the return from one history, with traditional investments and crypto feeding into the same UK tax workflow.
Sharesight: portfolio tracking without a UK CGT report
If you mainly want to understand performance, dividends, currency effects and asset allocation across shares, ETFs, funds and gilts, Sharesight gives you a strong set of tracking tools. You can also share the portfolio with an accountant or financial adviser.
Use it to prepare your UK tax return, however, and you encounter a clear boundary: Sharesight states that it does not currently offer a capital gains report for UK portfolios or apply the 30-day rule. Its Taxable Income Report can organise dividends and distributions, but you still need another calculation for UK capital gains before filing.
Where Finbooks has the advantage
Finbooks carries your activity through the UK CGT rules and into Self Assessment-ready reports, with crypto included in the same workflow.
Koinly: crypto tax across exchanges and wallets
If your activity is entirely crypto, Koinly supports a wide range of exchanges, wallets and transaction types. Its UK reports apply same-day matching, the 30-day rule and pooled costs, and you can inspect the calculation for free before paying to download a report for the relevant tax year.
Your required tier may rise faster than expected because transfers, deposits and withdrawals can count alongside trades. Add shares, ETFs, bonds, broker dividends or interest and you also need a second product, since Koinly does not calculate them. The crypto report may be finished while your wider investment return remains unresolved.
Where Finbooks has the advantage
Finbooks Basic starts below Koinly's first paid tax-report plan, keeps your transactions unlimited and includes traditional investments in the same calculation.
Recap: UK crypto tax with privacy-focused encryption
If you want a product focused specifically on UK crypto tax, Recap supports trading, DeFi, staking, mining and NFTs. Its paid plans include current and historical tax reports, accountant sharing is available from Basic, and client-side encryption sits at the centre of its privacy proposition.
Basic starts at £119 a year for 5,000 transactions and Pro costs £219 with unlimited transactions. This can suit you when the entire history is crypto and you need access to earlier years, but you still have to calculate shares, ETFs, bonds and ordinary broker income elsewhere.
Where Finbooks has the advantage
Finbooks starts at £39 with unlimited transactions and brings the traditional investments Recap leaves outside into the same workflow.
Summ: best for complex DeFi and NFT activity
If most of your work comes from DeFi protocols, NFTs, staking and other onchain transactions, Summ offers the most specialised crypto workflow in this comparison. Its UK reports cover crypto income and gains under the same-day and 30-day matching rules, and one active subscription gives you access to reports for all tax years.
Summ also has a stocks and ETFs feature, but its own documentation limits that beta to Australian accounts and applies Australian tax rules. As a UK user, you still need another product for shares, ETFs, bonds, dividends and interest.
Where Finbooks has the advantage
Finbooks includes traditional finance in its UK product, with unlimited activity and a complete investment-tax workflow from £39 a year.
Why does Finbooks offer the best value for UK investors?
Finbooks Basic costs £39 a year and already includes unlimited transactions, unlimited connected sources for both traditional investments and crypto, and Self Assessment-ready tax reports. You do not move to a more expensive plan because you connected another broker, imported thousands of staking rewards or added several years of wallet history.
The entry plans offered by the alternatives cover less of the tax return or impose tighter limits. Sharesight Starter costs £6 a month when billed annually and still does not calculate UK capital gains. Koinly starts at $49 per tax year for 100 transactions, Recap at £119 a year for 5,000 transactions and Summ at £49 a year for 100 transactions; all three remain crypto-only for UK tax.
If you also want automatic syncing, portfolio analytics and tax-planning tools, Finbooks Pro costs £99 a year. Human plan costs £999 and adds a dedicated specialist who completes the calculation using the portfolio already held in your account.
For a mixed portfolio, the £39 Basic plan gives you the decisive combination in this comparison: UK tax calculations for shares, ETFs, bonds, derivatives and crypto without transaction or account limits.
Bring the whole taxable portfolio into view
Before you choose, look at what you would still have to calculate elsewhere. A specialist crypto report or an excellent portfolio tracker may solve one part of the process while leaving gains and income to reconcile before you can file.
With Finbooks, you can import the accounts you use, review the reconstructed activity and prepare your UK investment tax reports across traditional finance and crypto in one place. Start with the 7-day free trial and test that workflow against your own portfolio before paying for another isolated report.
UK investment tax software questions
Finbooks offers the best value when your UK tax position includes both traditional investments and crypto. Basic costs £39 a year and includes unlimited transactions, unlimited connected sources and Self Assessment-ready reports covering both sides of the portfolio.
Finbooks calculates shares, ETFs, funds, bonds, derivatives and crypto in the same UK tax workflow. It also separates dividends, interest, staking rewards and other taxable income into the reports needed to prepare your Self Assessment.
Every Finbooks plan includes unlimited imported transactions and connected sources. Koinly and Summ price their paid reports by transaction tier, while Recap includes 5,000 transactions on Basic and unlimited transactions on its £219 Pro plan.
No. Koinly is designed for cryptoassets and does not calculate shares, ETFs, bonds, broker dividends or interest. If you use Koinly for crypto, those investments require a separate calculation before you can complete your wider UK tax position.
Not currently. Sharesight states that it does not offer a UK Capital Gains Tax report and does not apply the 30-day rule. It can track performance and produce taxable-income information, but you still need a separate UK CGT calculation before filing.