Self Assessment
Live — Available nowSA108 capital gains and dividend pages drafted from your disposals and dividend income, including crypto under Section 104 pooling rules.
See the product →Live — Available nowIncluded in Scale · from £89/mo
Tax and bookkeeping for investors and crypto
ac-co works out dividend and Capital Gains Tax across shares and crypto — including Section 104 pooling — and drafts the SA108 and dividend pages of your Self Assessment from those figures, with your other income kept in the same reconciled books.
In this stack
OBLIGATIONS CALENDAR
A year in your stack, with what we do on each date.
Every disposal
- Gains matched and pooledSection 104 pooling for shares and crypto, not a manual average.
Every tax year
- Dividend tax calculated against the current allowance
31 January
- SA108 and dividend pages filed inside your SA100
Across entities
- Up to 5 entities in one loginA business, a rental and an investment portfolio, on one plan.
Scale
£89
or £890/yr, paid annually
- ✓Up to 5 entities on one login
- ✓Section 104 pooling for shares and crypto included
- ✓SA108 and dividend pages filed with your SA100
HOW IT FITS TOGETHER
From connected to filed.
01
Bring in your disposals
Share sales and crypto disposals, matched and pooled under HMRC's Section 104 rules rather than a simple average you'd have to check by hand.
02
Gains and dividends worked out
Capital Gains Tax and dividend tax calculated against the current allowances and rate bands, not last year's numbers copied forward.
03
SA108 and the dividend pages draft themselves
Your Self Assessment fills in from those figures — review before it files, same as every other return.
No sign-up — try it right here
Estimate your Capital Gains Tax.
Shares, crypto or other assets — enter your gain and see roughly what's due after the annual exempt amount.
An estimate from the figures you enter, not a filed calculation. Open the full calculator →
COMPARE
An investor's three ways to get gains and dividends filed.
| Row | A spreadsheet, pooled by hand | A high-street accountant | ac-co |
|---|---|---|---|
| £/year | Free, but you do the Section 104 maths yourself | £150–£350/yr for CGT + dividend work [Crunch — packages pricing, 2026-09-13] | From £89/mo, up to 5 entities |
| Hours/year | ~10 hours (pooling by hand) | ~2 hours, plus waiting | ~15 minutes |
| Handles crypto disposals under Section 104 | If you build the matching rules yourself | If they specialise in crypto | Yes |
| One login across every entity | No | No | Yes |
Accountant fee is a published rate-card range, read 2026-09-13 — check your own quote.
YOUR STACK
Every part of ac-co built for this.
Each one carries its real status — no product here is described as more finished than it is.
Books
Beta — Open beta — join the waitlist, we open seats in batchesIf you also run a business or rental income alongside investing, the same reconciled ledger keeps everything in one place.
See the product →Where to go next
OBJECTIONS
Before you sign up.
Can I manage multiple entities in one login?
Yes — up to five entities (a business, a rental, a portfolio) sit in one login on the Scale plan, each with its own return.
How is Capital Gains Tax worked out on disposals?
Against the current annual exempt amount and the applicable rate — check the figure on gov.uk since it changes most years. (Source: gov.uk, https://www.gov.uk/capital-gains-tax/allowances.)
What about joint ownership of shares or a portfolio?
Joint holdings are apportioned per owner, the same way property co-ownership is — not assumed 50/50.
I have foreign income too — does that fit?
Foreign dividends and gains feed the same SA108 and foreign pages; tell us the country and the right treatment is applied.
Does my accountant get access?
Yes — invite them into the workspace to review your gains and dividends before anything is filed.
Start today.
Connect your bank once — everything above reads from the same reconciled numbers.