Track every holding in pounds, ISAs and pensions included. See the dividends you have received and the ones to come, and the capital gains tax on a sale before you make it.
No card needed · Private by design · Not financial advice
| Ticker | Company | Price | Value | Gain | Day |
|---|---|---|---|---|---|
| LLOY | Lloyds Banking Group | 103.05p | £6,183 | +113.8% | −1.72% |
| BARC | Barclays | 417.50p | £6,263 | +174.0% | −3.50% |
| SHEL | Shell | 3,932p | £7,078 | +70.2% | −0.15% |
| AZN | AstraZeneca | 12,400p | £6,200 | +18.3% | −0.37% |
| ULVR | Unilever | 4,904.5p | £5,885 | +23.2% | −1.24% |
| BP | BP | 616.40p | £6,164 | +28.9% | +0.37% |
| VOD | Vodafone Group | 120.60p | £6,030 | +68.9% | −1.19% |
| VUKE | Vanguard FTSE 100 | £46.655 | £13,997 | +41.0% | −1.09% |
The three things a UK investor checks most, worked out for you from the holdings you already have.
Every share is kept in its own currency, sterling for a London share and dollars for a US one, and your totals and gains add up in pounds. Mark each portfolio as an ISA, SIPP, Lifetime ISA, Junior ISA or general account.
Divisio works out the dividends each holding has paid you from the shares you held on each ex-dividend date, in pounds. The ones to come are estimated from what each company has paid, so you can see your income before it lands.
Sell all or part of a holding and see the tax first, at this year’s UK rates and after your £3,000 allowance, with shares bought at different times pooled as HMRC requires. Every step is shown.
Three views that most trackers split across three apps, or don’t offer at all.
Prices refresh every 30 seconds while London or New York trades. Results dates, dividends, analyst rating changes and headlines attach themselves to the holdings they belong to, and one plain-English line says what moved your portfolio today, so you see why and not just a number that changed.
Everything below is live in the product today, not a roadmap promise.
Bring in the export from Hargreaves Lansdown, AJ Bell, Vanguard, Interactive Investor, Trading 212, Freetrade or Interactive Brokers, or paste rows from a spreadsheet, and check every row in a preview before anything is saved.
Sell some of a holding and keep the rest, with the capital gains tax on that sale shown before you confirm it.
What your whole account has made against the same money in the FTSE 100 or the S&P 500, each purchase on its own date, and a chart of your value on the Dashboard.
Yahoo Finance data refreshed every 30 seconds while London or New York trades and every minute otherwise, with pre-market and after-hours prices shown whenever they exist.
Sector weights, concentration and a daily-returns heatmap, so you can see what you are actually exposed to.
Follow shares you don’t own yet, with live quotes and headline news filtered to the companies you care about.
Each share stays in its own currency. Your totals show in the currency you think in, with what you paid converted at the rate on the day you bought.
Your holdings live in your own private account and travel over TLS. They are not shared, not sold, and not used for anything else.
A range for each holding’s price over the next 30 trading days (about six weeks), worked out from thousands of possible paths: a simulation, not a prediction.
Xenia is the research assistant built into Divisio. Ask her “What’s my tech exposure?”, “What moved my portfolio this week?” or “What would the tax be if I sold this?”: she gathers the evidence, does the maths and lays out every step so you can check it.
You never need any of this to track an ISA. But if you like to see the maths, Divisio runs research models on your holdings: a 30‑day range on every holding from a Monte Carlo simulation, options pricing with Black‑Scholes, GARCH volatility and more, each explained in plain English and none of it a prediction.
This is the same Student-t Monte Carlo that prices every holding in the app, running in your browser. Pick a stock, run 2,000 paths over 30 trading days (about six weeks), and watch the distribution form. Every run reseeds, so the bands move a little each time. That is what a 30-day range looks like: a spread of possible outcomes, not a prediction.
Pick any stock, choose the models you want, and Quant Analysis runs a full quantitative workup in seconds: six research models on live market data, explained in plain language. Educational analysis, not predictions or recommendations.
A Bloomberg Terminal costs about $25,000 a year. It is the best financial tool ever made, and it was never meant for you. It sits on trading desks, priced for banks.
Most portfolio apps sit at the other end. They show you a price and a percentage. That's a glance, not an understanding.
Divisio is built for the gap between the two: live data, a daily Monte Carlo range on every holding, volatility and concentration analysis, and capital-gains modelling, written in plain language and priced for one person.
Setting up takes a couple of minutes. The free plan covers five stocks and doesn’t ask for a card.
Portfolio tracker
| Ticker | Name | Bought | Sold | Position | Held | P/L % | P/L $ | Edit |
|---|
What your whole account has made, holdings and cash, sales included, on the money you put in.
| Stock | Ticker | P/L % | Amount to invest | Value today | Profit / loss |
|---|---|---|---|---|---|
| Total | – | – | – | ||
Sale prices are per share, in the currency each share trades in. Every total is in the currency the country's tax is worked in: each purchase at the exchange rate of its own date, the sale at today's rate.
| Stock | Ticker | Shares | Cost basis | Hold period | Term | Sale price | Gross gain | Tax rate | Est. tax | After tax |
|---|
Run advanced quantitative models on any stock. Select your models and parameters to generate a comprehensive research report: educational analysis, not investment advice.
Open Portfolio and press Add stock. Search for the company, enter the price you paid per share and the date, and the number of shares if you want figures in money. Leave the price blank if you bought at the live price.
Yes. Open Portfolio and press Import CSV, then paste or upload an export from your broker. You see a preview of every row before anything is saved.
Shares turn percentages into money. With them you get each position's value and weight, gains and losses in your currency, the portfolio value, and a total return weighted by position size. Without them the totals are an average per stock.
Open Preferences and choose Display currency. Values, gains and totals are shown in it: what a holding cost uses the exchange rate of the day you bought, what it is worth uses today's. Prices per share stay in the currency the share trades in.
Press Sell on the position's row and enter the price and date. The position moves to History with its result, and the proceeds are added to Cash.
Prices refresh every 30 seconds while New York or London trades a share you hold, every 60 seconds otherwise, and every 30 seconds at any hour with Live switched on. They come from Yahoo Finance and can be delayed.
Press R to refresh prices, / to search your portfolio and Esc to close a dialog.
Personalise your dashboard. All changes apply instantly and are saved automatically.
Internal business monitoring · Divisio Capital · admin-only
| Price | 1 month | 52-week range | Notes | Actions |
|---|
Your watchlist could not be loaded. Check your connection.
Type a company or a ticker in the box above and press Enterand tap the one you mean. Each stock shows today's move, its last month, its 52-week range and how far it is from a target you set.
| # | Ticker | Score | Drivers | Live price | Planned stop |
|---|
Worked out from your holdings: the shares you held on each ex-dividend date times the dividend per share, in your display currency at that date’s exchange rate. If one differs from your broker’s statement, correct it.
Expected ex-dividend dates and amounts for what you hold now. Each repeats the payment the share made a year before, and a share that pays every quarter is expected at its latest amount. A date the company has announced replaces the forecast and is marked Announced. Amounts are at today’s exchange rate.
| Stock | Ticker | Shares | Yield | Yield on cost | Annual/share | Annual income | Growth | Next ex-date | Frequency |
|---|
News & activity follows the stocks you hold: their moves on the day, earnings and dividend dates, analyst rating changes and the headlines about them. Add a stock and it starts here.
You can still search the headlines for any company below.
The market data service did not answer. Your holdings are not affected.
Divisio Capital aggregates your manually-entered portfolio positions with live and delayed market data to provide a unified dashboard for tracking performance, sector allocation, dividends, earnings dates, and estimated capital gains tax liability.
The platform is designed for individual investors who want institutional-quality analytics without paying for a Bloomberg terminal, not for professional fund management or regulated financial services.
yfinance library. Data is fetched in real time during market hours and cached for up to 60 seconds. Prices may be delayed up to 15 minutes and are not suitable for high-frequency trading decisions.info payload.The AI forecast is a quantitative probabilistic model, not a neural network or generative AI. It combines 15 technical and statistical signals including:
The output is a probability of gain and a median projected return, not a price target or a recommendation to buy or sell. Model accuracy is not guaranteed. Past statistical patterns do not guarantee future performance.
Degrees-of-freedom parameter (df) for the Student-t distribution is estimated via maximum likelihood on the last 252 trading days. Lower df = fatter tails = higher uncertainty.
The calculator uses official published tax bracket tables for each supported country. It is a planning tool only. Results do not account for loss harvesting offsets, carried-forward losses, alternative minimum tax, state-specific nuances beyond what is stated, or changes to tax law after the last update date. Consult a qualified tax adviser before making any tax-related decisions.
Divisio Capital is based in the United Kingdom. The service is in beta and every feature is free while it is; paid plans will follow at £12.99 a month or £99 a year.
For questions, feedback, or data removal requests: support@divisiocapital.com
Divisio Capital is operated by George Mason, a sole trader in the United Kingdom, at www.divisiocapital.com. References to "we", "our" or "Divisio" in this policy mean the operator. For anything about your data, contact support@divisiocapital.com.
Account data: your email address and a password. Passwords are stored only as salted PBKDF2-HMAC-SHA256 hashes (200,000 iterations), so we cannot read them. We also record when your account was created and when it was last used.
Portfolio data: the ticker symbols, share counts, buy and sell prices, dates, notes, custom columns, cash balances and watchlist entries you enter, each portfolio's account type (such as an ISA or a SIPP), any dividend you correct on the Dividends page, plus settings such as your display currency. A broker export you import is read on our server to show you the preview and is not kept; only the holdings and sales you confirm are saved.
Cookies: a session token in an HTTP-only cookie (ec_session) keeps you signed in for 30 days or until you sign out. When you create an account, a second HTTP-only cookie (ec_pending) lets the verification link sign in the browser you signed up from without asking for your password again; it lasts at most 24 hours. These are the only cookies we set.
Usage data: while you are signed in we record which pages of the app you open and which features you use (for example "forecast run") against your account, with a timestamp, so we can see what is used and how many people are active. This is first-party logging on our own server and never includes portfolio contents or free text. We do not use Google Analytics or any other third-party analytics, advertising pixels or tracking scripts, and no analytics or advertising cookies are set.
Server log: to keep the service secure and to find faults, our server writes a line for each request with its method, its path (never the query string), the result, the time it took and your IP address. To slow down password guessing and abuse it also counts recent sign-in, sign-up and email requests per email address and per IP address; those counts are held in memory only, never written to disk, and stop counting after at most an hour.
Xenia AI: if you use Xenia, your Xenia profile (its settings, which start from defaults until you change them, and a copy of your Divisio holdings and cash), the sources you choose, your journal and her recent answers are stored against your account so you can come back to them. A recent answer is kept with your question as you typed it, and a kept evaluation keeps the figures it was written from for as long as it is kept. Your questions go to Anthropic in Xenia's own words for what they are about, never in yours, and your holdings and cash go only with an evaluation of your portfolio that you ask for (section 4). For each of her answers we record the model, the number of tokens and what it cost us, which is how her daily allowance is counted.
Xenia's memory is offered to some accounts only; on those it has its own section in Xenia's Settings. On such an account the copy of your Divisio holdings and cash goes when you delete them in Divisio, and recent answers are deleted after 90 days, or sooner if you delete them in Xenia's Settings. Words in a question or follow-up about your money, age, income or work, family, health, beliefs, politics or identity are kept only in Xenia's own wording, and on an account given Xenia's own views rather than facts and figures, so is a question that said anything else about you or asked what to do. If you turn on Xenia's memory, we also keep what she remembers: how you like answers, the stocks and topics you follow, filters you set, what you asked about in the last 90 days with her general view that day, and the figures of your last portfolio check. Memory never holds amounts of money, your goals, age, income, tax position or accounts, how much risk you would take, your health or your beliefs, and it never reads what you type in your Xenia Profile. You can see, change, download or delete all of it on Xenia's What Xenia remembers page, and pause it at any time.
Your browser's local storage holds conveniences such as the last portfolio you opened, cached exchange rates, your table and display options and whether you have seen the welcome tour, and the income and other details you type on the Capital gains page. That stays on your device and is not sent to us.
We do not use your data to train machine learning models, build advertising profiles or sell to anyone. Our lawful bases under UK GDPR are performance of our contract with you (providing the service) and our legitimate interests in keeping the service secure and understanding how it is used. For Xenia's memory our lawful basis is your consent, which you give by turning it on. Turning memory off stops it being used at once and keeps what she remembers, for at most 12 months, in case you turn it back on. You withdraw your consent at any time by deleting what she remembers, which Xenia offers whenever you turn memory off.
These services handle data on our behalf so the site can run:
Some of these providers are based outside the United Kingdom. Where that is the case, transfers rely on the UK's adequacy regulations or the providers' standard contractual safeguards.
Account and portfolio data live in an SQLite database on our application server's persistent disk. A compressed copy of the database is made every day and the last 7 copies are kept on the same disk. We use PBKDF2 password hashing, HTTP-only session cookies, HTTPS-only transport, rate limiting on sign-in and security headers (HSTS, a content security policy, X-Frame-Options and others) on every response.
No system is perfectly secure. Use a password you do not use anywhere else.
Your data is kept while your account exists. Deleting your account (Help page, "Delete my account") removes your account, credentials, portfolios, holdings, cash records, dividend corrections, watchlist, settings, usage records, Xenia conversations and sessions from our database straight away. Copies in our daily backups are gone within 7 days. Any payment records we hold once paid plans launch are kept for accounting purposes but detached from your identity. What Xenia remembers is kept until you delete it or close your account. Things she noticed fade and are deleted when unused, and things she has seen only once or twice go after 60 days; what you asked about is kept for 90 days; your last portfolio check for 12 months. If you turn memory off and keep what she remembers, it is deleted after 12 months. On an account Xenia's memory is offered to, her recent answers and their follow-ups are deleted 90 days after they were last saved; on any other account the twelve most recent are kept, and an older one is deleted when a newer one is kept.
The service is for people aged 18 and over. We do not knowingly collect data from anyone under 18; if you believe a minor has registered, contact us and we will remove the account.
We may update this policy from time to time. The "last updated" date at the top shows the latest revision, and we will tell you about any change that materially affects how your data is used.
Privacy requests: support@divisiocapital.com
Divisio Capital is operated by George Mason, a sole trader in the United Kingdom.
By creating an account or using Divisio Capital, you agree to these Terms of Service. If you do not agree, do not use the platform. These terms apply to all users, free and paid.
Divisio Capital provides a portfolio tracking and analytics platform that allows users to manually record investment positions and view performance metrics, market data, probabilistic forecasts, and estimated tax calculations. The service is provided "as is" and is subject to change without notice.
All information, data, analytics, forecasts, and outputs provided by Divisio Capital are for informational and educational purposes only. Nothing constitutes:
Always consult a qualified financial adviser, tax professional, or legal adviser before making investment or financial decisions. Past performance data shown is historical and does not guarantee future results.
Market prices, fundamentals, earnings dates, and analyst ratings are sourced from Yahoo Finance's public API. This data may be delayed (up to 15 minutes), incomplete, or incorrect. We make no warranty of accuracy, completeness, or fitness for any particular purpose. Do not use any data from this platform as the sole basis for trading decisions.
Forecast outputs are statistical probability estimates from a quantitative model. They are not predictions of actual future prices. Model outputs carry no warranty of accuracy.
The capital gains calculator applies published tax bracket tables for general illustrative purposes. It does not account for all possible tax scenarios, individual circumstances, loss offsets, alternative taxes, treaty considerations, or legislative changes. Results are estimates only. Consult a certified tax adviser for advice applicable to your specific situation.
You agree not to:
To the fullest extent permitted by law, Divisio Capital and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from: use of the platform; reliance on any data, forecast, or calculator output; or inability to access the service. Your use of the platform is entirely at your own risk.
We do not guarantee uninterrupted access to the platform. Maintenance, upgrades, third-party API outages, and market data disruptions may affect availability. We are not liable for any loss resulting from service interruption.
Divisio Capital is currently in beta. Every feature is free for every account and nothing is charged. Paid plans are planned at £12.99 a month or £99 a year (the equivalent of £8.25 a month, saving £56.88 against monthly billing); beta members will be told before they launch, and no one is charged unless they choose a plan and complete checkout.
Once paid plans launch, subscriptions will be billed through Stripe at the price shown at checkout. We do not store payment card details. You can cancel at any time from the billing portal and keep access until the end of the period you have paid for. Refund requests should be sent to support@divisiocapital.com within 14 days of a charge.
We reserve the right to update these terms at any time. The revised terms will be posted on this page with an updated date. Continued use after the revision date constitutes acceptance.
We reserve the right to suspend or terminate accounts that violate these terms. You may delete your account at any time from the Help page, or by contacting support@divisiocapital.com.
These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Questions about these terms: support@divisiocapital.com