UK Portfolio Tracker — Built for ISA, SIPP & GIA
Most portfolio trackers ignore the wrapper. WealthWatch starts with it: ISA allowance, SIPP annual allowance + tapering, CGT exempt amount, and dividend tax bands all surfaced where they affect a decision.
Multi-wrapper consolidation
ISA, SIPP, GIA, LISA, plus joint accounts and offshore holdings — one net-worth view.
Allowance tracking
£20k ISA allowance, £60k SIPP annual allowance with tapering for high earners, three-year carry-forward calculator.
Dividend tax aware
£500 dividend allowance, 8.75% / 33.75% / 39.35% bands. Shows post-tax income and projected liability for Self Assessment.
CGT helper
£3,000 annual exempt amount tracking, 18%/24% (residential property) and 18%/24% (other gains for additional-rate) bands. Bed-and-ISA reminders.
GBP-first reporting
Foreign holdings auto-converted at the relevant date. US dividends after 15% W-8BEN withholding shown net.
Connects to UK brokers
Hargreaves Lansdown, AJ Bell, Vanguard UK, Trading 212, Freetrade, Interactive Investor, plus IBKR and Schwab for cross-border holdings.
Why UK investors need wrapper-aware tracking
The biggest decisions a UK investor makes aren't about which fund to buy — they're about which wrapper to put it in. £100k of dividend-paying US equities held in a GIA can cost >£25k in dividend tax over a decade for a higher-rate filer; the same £100k inside an ISA pays zero. Wrapper choice usually outweighs ticker choice.
WealthWatch is the only tracker we know of that puts wrapper allowances on the dashboard. Every contribution gets attributed to the right limit. Every dividend is projected through the dividend allowance and into the relevant band. CGT events are tagged against the £3,000 annual exempt amount. When you hit a limit, we say so — before you contribute.
Cross-border holdings
Many UK investors have US accounts (Schwab, IBKR) from a stint working abroad, or hold individual US stocks via a UK broker. WealthWatch handles the FX and the W-8BEN treaty rate (15% withholding on US dividends) automatically. Net dividend income, post-withholding, is what shows up on your dashboard.