Solutions / For individuals
Find out exactly what you owe.
It costs nothing to look.
You have crypto. You are not certain what your tax position is. You have been putting off finding out because every tool you looked at wanted money before showing you anything.
Polyconomic is different. Import your transactions. See your taxable gain. If you owe nothing — you pay nothing. If you need the report, Standard is £49 a year.
No card required to see your gain. Standard from £49/year if you need the report.
Who uses Polyconomic
You do not need to be an expert. You just need to know your number.
Three situations we help with every day.
The long-term holder
“Bought Bitcoin or Ethereum years ago. Sold some. Not sure if you crossed the annual allowance or need to file anything.”
What happens when you import
- Import your exchange CSV — most people are done in under five minutes
- See your exact net gain against the £3,000 annual allowance
- If you are under, you likely owe nothing and may not need to file
- If you are over, see exactly how much is taxable and at what rate
A lot of people importing for the first time discover they are well under the allowance and owe nothing. Worth five minutes to find out.
The frequent trader
“You trade regularly across multiple exchanges. Hundreds or thousands of transactions. You know you have gains but calculating them correctly feels impossible.”
What happens when you import
- Connect your exchanges via API or upload CSVs from each one
- We merge all transactions across all exchanges into one calculation
- Same-day, 30-day, and share pool rules applied across the entire history
- See disposal-by-disposal breakdown in the report
The more transactions you have, the more a correct matching calculation matters. Using average cost or FIFO instead of HMRC's rules can produce significantly wrong figures.
The DeFi user
“You stake, farm, bridge, and swap across protocols. You are not sure what is a disposal, what is income, and what is just moving assets around.”
What happens when you import
- Each transaction type is categorised: disposal, income, or neutral transfer
- Staking and mining rewards go into your income total, not capital gains
- Swaps are treated as disposals of the first asset — even crypto-to-crypto
- Transfers between your own wallets are identified and excluded
HMRC treats crypto-to-crypto swaps as taxable disposals. Many DeFi users are surprised to discover they have significant gains from swaps, not just sales.
Why accuracy matters
HMRC's rules are specific. Getting them wrong has consequences.
Capital Gains Tax on crypto is not just “what you made minus what you paid.” HMRC requires a specific order for matching sales to purchases. If you get the order wrong, your gain is wrong — in either direction.
Same-day rule
Sales on the same day as purchases must be matched first. Ignoring this can cause you to incorrectly use an older, cheaper cost basis — resulting in a higher gain than HMRC would calculate.
30-day rule
If you sell and rebuy within 30 days, the sale must be matched to the repurchase. Missing this can mean claiming losses that HMRC would not allow, or gains that are lower than they should be.
Section 104 pool
Remaining sales come from your average cost pool. You cannot choose to use specific coins with a high cost basis to minimise your gain — HMRC requires the average.
Polyconomic applies all three rules automatically, across all your exchanges and assets, in the correct sequence. Read the full explanation →
Getting started
From zero to your taxable gain in about two minutes.
Import your transactions
Most exchanges let you export a CSV from your account settings. Upload it to Polyconomic and we parse it automatically — no formatting required. Or connect via API for automatic sync.
Binance, Coinbase, Kraken, and Bybit connect via API. Any exchange works via CSV. ETH and BTC wallets work via address paste.
We apply HMRC's rules
Same-day matching, the 30-day rule, and Section 104 pooling — applied across your full history, in the correct legal order, for every asset.
You do not need to understand the rules to get the right answer. That is the point.
See your gain — free
Your taxable gain is displayed on your dashboard. You can see every tax year at once. If you need the report to file your Self Assessment, Standard is £49/year.
Free to view. Standard from £49/year for the PDF. Pro from £99/year for active traders.
Pricing
Pay only if you need the report.
The calculation is always free. Reports are included from £49 a year.
Free
£0
See your taxable gain. No card needed.
- All transaction types supported
- All tax years calculated
- Gain and loss summary
- Check if below the £3,000 allowance
- Up to 10,000 transactions
Standard
£49/yr
Full reports. All tax years.
- Full SA108-compatible PDF reports
- Disposal-by-disposal breakdown
- Income section for staking/mining
- Plain English throughout
- Auto-recalculate on new trades
Pro
£99/yr
For active traders.
- Everything in Standard
- Unlimited transactions
- Accountant sharing
- CSV export
- Priority support