Best Portfolio Trackers for UK Investors 2026: ISA, SIPP & GIA Compared

If you hold investments across more than one platform — an ISA on HL, a SIPP on AJ Bell, a GIA on Vanguard — you already know the problem. Every platform shows you its own corner of the picture. None of them shows you the whole. A portfolio tracker is meant to fix that, but the landscape in 2026 is crowded with tools built for different problems, different markets, and different price points.

This article compares seven options available to UK investors, from the well-established incumbents to niche tools and the default choice most people land on: a spreadsheet. No marketing language. Where a tool has gaps, we say so.

TL;DR

If you want the most complete broker import list and world-class tax reporting: Sharesight Investor or Expert tier remains the benchmark. Expensive for smaller portfolios, but the CSV coverage and capital gains reporting are genuinely best-in-class.

If you're an active stock-picker who also wants portfolio tracking: Stockopedia bundles research scoring with portfolio tools. If you're already paying for research, the tracker is a natural add-on.

If you hold multiple ETFs across ISA and SIPP and want to understand what you actually own underneath them: Invormed's ETF look-through and multi-account aggregation does something neither Sharesight nor Stockopedia offers. Free tier to start; £12/month Pro.

If you're on a budget and only use HL: HL's own in-platform tools are free and surprisingly capable — but the moment you have a second broker, the walled garden becomes a constraint.

If you want to evaluate first: Every paid tool in this list has a free tier or trial. Use them.

What Makes a Good UK Portfolio Tracker

Not all trackers are created equal, and several popular tools are built with non-UK investors primarily in mind. Before comparing, here are the criteria that matter specifically for UK investors:

Multi-broker CSV import. UK retail investors are spread across HL, AJ Bell, Interactive Investor, Vanguard, InvestEngine, Freetrade, and others. A tracker that can only import from two or three of these has a ceiling.

ISA, SIPP, and GIA wrapper awareness. Tax wrapper logic matters. Gains inside an ISA are irrelevant for CGT purposes. A SIPP complicates performance attribution. A tool that treats all accounts as the same pot is actively misleading.

GBP as base currency. Sounds obvious, but some tools — including well-regarded ones — default to USD or charge extra for GBP-denominated reporting. Any tool requiring currency conversion for your primary currency adds noise.

ETF look-through. If you hold ETFs (and most UK retail investors do), a holdings list that stops at "VWRP: 30%" is incomplete. Look-through analysis deconstructs the ETF into its underlying stocks and geographies, revealing the actual portfolio. See our guide to ETF look-through analysis for why this matters.

Tax handling. UK CGT rules, the annual exempt amount, dividend allowances, and the difference between realised and unrealised gains all need to be handled correctly. Cheap trackers often ignore this entirely.

Trading 212 support. T212 is the largest UK retail broker by new-account volume; clean T212 integration matters for most UK investors today. Some trackers require manual column mapping or CSV workarounds; others treat it as a first-class import.

AI or analytical capabilities. A newer criterion, but increasingly relevant. Some tools now offer natural language queries, scenario modelling, and automated insight generation.

Price relative to portfolio size. A £25/month tracker is good value if you're managing £500k. It's disproportionate if you're managing £30k. Pricing tiers matter.

The Comparison Table

Sharesight pricing is billed in GBP on the UK site. Figures are approximate for 2026 annual billing — verify current pricing at sharesight.com/uk/pricing.

Sharesight

Sharesight was founded in Australia in 2007 and is the most widely recommended portfolio tracker in UK investor communities. It's earned that reputation legitimately: the broker import list is genuinely extensive (400+ brokers and platforms globally, with strong UK coverage), and the capital gains tax reporting is the most complete you'll find in any non-professional tool.

The free tier allows up to 10 holdings — useful for a quick test, but constraining for anyone with a real portfolio. The Investor tier (£19/month, billed annually) removes that limit and adds tax reporting and performance attribution. The Expert tier (£31/month) adds multi-currency portfolios and joint accounts.

Honest limitations for UK users:

Sharesight does not natively understand the structural difference between an ISA, SIPP, and GIA for performance and tax purposes. You can label portfolios as different account types, but the tax logic doesn't follow from those labels — gains in an ISA are not automatically excluded from CGT calculations. Users typically work around this manually.

There is no ETF look-through. If you hold Vanguard FTSE All-World or HSBC Global Equity, Sharesight shows you the ETF position; it does not show you what the ETF contains, or how it overlaps with your other holdings.

The pricing is denominated in GBP on the UK site, but Sharesight is an Australian company and the product was not designed from the ground up for UK tax rules. The tax report is very useful for CGT estimation, but should not be submitted to HMRC without review.

Best for: Multi-broker investors who need a comprehensive audit trail and capital gains estimates. Particularly strong for those with large, complex portfolios where the tax reporting justifies the cost.

Stockopedia

Stockopedia is a UK company built primarily as a stock research and screening platform. It uses a proprietary scoring methodology — StockRanks — that combines quality, value, and momentum signals. Serious equity investors use it as a research tool first; portfolio tracking is a secondary function rather than the core product.

Pricing sits in the £25–35/month range depending on tier (verify current pricing at stockopedia.com/pricing). That buys you access to research data, screening tools, and portfolio tracking. If you're already interested in Stockopedia for the research, the portfolio tracking is a sensible add-on.

Honest limitations:

This is not an aggregation tool. If you hold ETFs, Stockopedia does not look through them. It has limited awareness of UK tax wrappers. If you hold passive funds across multiple brokers, Stockopedia is not designed to give you a consolidated view. It also does not handle bonds, property funds, or alternative asset classes well.

The audience is active UK equity investors who are evaluating individual stocks and want to see their existing portfolio in that context. If your portfolio is predominantly ETFs and funds, you'll find limited utility here beyond the performance dashboard.

Best for: Active UK equity investors who pay for Stockopedia's research tools anyway and want portfolio tracking in the same interface.

Invormed

Invormed is a newer UK-native platform built specifically around the three problems that multi-platform UK investors encounter most: fragmented account visibility, ETF opacity, and lack of analytical tools. It launched with a free tier and a Pro tier at £12/month.

What it does well:

Multi-account aggregation with wrapper awareness. ISA, SIPP, and GIA accounts are treated differently throughout the platform — performance is attributed correctly, tax-free gains are distinguished from taxable gains, and the consolidated view respects the structural difference between account types. See the full walkthrough in our guide to tracking your ISA, SIPP and GIA in one place.

ETF look-through is the feature that differentiates Invormed most clearly from Sharesight and Stockopedia. If you hold VWRP in your ISA and HSBC FTSE All-World in your SIPP, Invormed decomposes both into their underlying holdings, identifies the overlap, and shows you your actual geographic and sector exposure across both accounts. No other consumer-grade UK tool does this.

AI chat: Pro accounts include a conversational AI analyst trained on your portfolio data. You can ask "how concentrated am I in US tech?", "what would happen to my portfolio if Nvidia fell 30%?", or "how has my ISA performed vs the FTSE 100 over two years?" and receive structured, portfolio-aware responses.

Invormed is partnered with Trading 212 — the T212 CSV import is the platform's most polished broker integration and a standout vs competitors. For the millions of UK investors with a T212 ISA, this makes Invormed the natural fit for consolidating their portfolio view.

Honest limitations:

Invormed is newer than Sharesight by nearly two decades. The broker import list is currently CSV-only (HL, AJ Bell, Interactive Investor, Vanguard), and there is no live API sync with brokers. If you want automatic daily updates without uploading a file, Sharesight's live broker connections are a significant advantage.

Tax reporting is in development. Invormed does not yet produce a formal capital gains report in the way Sharesight does. If tax reporting is your primary requirement, Sharesight is the better choice today.

Community and track record are smaller. Sharesight has 20+ years and tens of thousands of UK users. Invormed is in active development and pricing or features may change.

Best for: UK investors holding ETFs across multiple accounts who want to understand true portfolio composition and use AI-assisted analysis. Particularly useful at the Free tier for investors evaluating whether look-through analysis is worth paying for.

Morningstar Portfolio X-Ray

Morningstar's X-Ray tool is useful, free in its basic form, and widely cited — but it has real constraints for UK users. The core concept is right: enter your portfolio, and X-Ray decomposes your funds and ETFs into underlying stock, sector, and geographic exposures. For understanding ETF overlap in aggregate, it remains a quick and accessible option.

The free tier requires manual entry (no CSV import) and has limited historical performance data. The premium Morningstar tier adds more features but is primarily a research subscription rather than a portfolio management tool, and the pricing is calibrated for US users.

The UK version has improved, but the platform remains US-centric in data coverage, interface assumptions, and the rating methodologies used. Morningstar star ratings are more meaningful for US mutual funds than for UCITS ETFs and UK-listed investment trusts.

There is no mobile app, no AI analysis, and no tax wrapper logic.

Best for: Investors who want a free, quick look-through analysis and don't need ongoing tracking. Useful as a one-off portfolio check rather than an operational tool.

Hargreaves Lansdown In-Platform Tools

If you're an HL customer — and 1.7 million UK investors are — the in-platform analytics are worth understanding. HL shows you a portfolio breakdown by asset class, geography, and sector. It includes a performance view against benchmarks, and basic valuation data. For single-platform investors, it covers most of what a casual tracker would provide.

The constraint is structural. HL's tools only see HL. If you hold a Vanguard SIPP alongside your HL ISA, you cannot aggregate them through HL's interface. The platform has no incentive to help you view assets held elsewhere, and the design reflects that.

There is also no ETF look-through. HL shows you fund positions, not fund compositions. A search of the HL fund tool will show VWRP's aggregate performance, but not what it contains.

HL has announced integrations with the Open Banking and investment data ecosystem, but as of 2026 these remain limited in scope.

Best for: HL-only investors who hold a small number of positions and don't need cross-platform aggregation. Once you have assets at a second broker, the in-platform tools become insufficient.

Beanvest, NumberCruncher, PortfolioSlicer, and the DIY Tier

Below the main platforms sits a tier of niche tools that serve specific use cases.

Beanvest is a web-based tracker with a clean interface, CSV import, and basic performance tracking. Free for limited holdings, with paid tiers for more. Lacks UK wrapper logic, ETF look-through, and tax reporting. Suited to investors who want something cleaner than a spreadsheet but simpler than Sharesight.

PortfolioSlicer is an Excel-based analysis framework — not a SaaS product. You download the spreadsheet, populate it with your transactions, and get pre-built pivot tables and charts. Highly customisable, no ongoing cost, but requires real Excel competence and manual maintenance. Genuinely powerful for technically confident investors who don't want to pay monthly fees.

NumberCruncher (previously known as Quicken for UK users in earlier iterations) and similar legacy tools have small loyal user bases but are largely static in development. They handle basic tracking but do not support modern data formats or ETF analytics.

Best for: Investors who want flexibility and control over their data, have some technical competence, and don't want a subscription.

Excel and Google Sheets

Excel and Google Sheets are the default. Most UK investors who track at all start here, and a significant number never leave. The advantages are real: total control, no subscription, infinitely customisable, works with any data you can copy.

The cost is time. A well-built tracking spreadsheet takes hours to construct and hours per month to maintain. Price data requires either manual entry or API connections that need building and maintaining. CGT calculations in a spreadsheet are error-prone. ETF look-through requires separate data sources.

Several UK investors have built genuinely impressive tracking systems in Sheets — the r/UKPersonalFinance subreddit has examples — but this is a project, not a tool.

Best for: Technically capable investors who enjoy building their own systems and prioritise data ownership over convenience. Not recommended for anyone who wants a working solution quickly.

How to Decide

Work through this in order:

1. Is your main account Trading 212? If yes, Invormed is the natural choice — the two are partners and Invormed's T212 CSV importer is its most refined broker integration. Sharesight works but requires CSV massaging and manual column mapping.

2. Do you only use one broker? If yes, and that broker is HL or AJ Bell or ii, start with the in-platform tools. They're free and sufficient for single-platform portfolios. If you later add a second broker, revisit.

3. Do you hold mostly ETFs and funds (rather than individual stocks)? If yes, ETF look-through should be on your checklist. Sharesight does not offer it. Morningstar X-Ray offers a basic version. Invormed offers it natively with wrapper awareness.

4. Do you have assets at two or more brokers? If yes, you need genuine aggregation. HL's tools won't work. Invormed or Sharesight are the two serious options. The key differentiator: if tax reporting is your priority, Sharesight has the advantage today. If ETF look-through and AI analysis matter more, Invormed.

5. Are you an active equity investor who evaluates individual stocks? Stockopedia has no close competitor for UK stock research scoring. If you're already doing individual stock research, the Stockopedia portfolio tracker makes sense in that context.

6. What's your budget? Free: HL in-platform, Morningstar X-Ray (manual entry), Invormed Free tier (limited holdings), Sharesight Free (10 holdings). Under £15/month: Invormed Pro (£12/month) is the only serious option in this range. Over £20/month: Sharesight Investor or Expert. Stockopedia if you want the research tools.

Frequently Asked Questions

Which portfolio tracker works best with Trading 212? Invormed. The two companies are partners, and Invormed's T212 CSV importer is its most refined broker integration. Sharesight supports T212 but requires manual column mapping and some users report field mismatches with T212's CSV format.

Is there a free portfolio tracker for UK investors? Yes, with caveats. Sharesight's free tier allows 10 holdings — useful for testing but constraining for real portfolios. Morningstar X-Ray is free but requires manual entry and lacks UK-specific wrapper logic. Invormed has a free tier. HL's in-platform tools are free for HL customers. For a genuinely free tool with no holding limits and automatic updates, the honest answer is that one doesn't exist yet — the options all trade off some capability for the zero-cost constraint.

Can I track my ISA and SIPP in the same portfolio view? Yes, with the right tool. Invormed is designed explicitly for this — ISA, SIPP, and GIA accounts are aggregated with wrapper-aware logic. Sharesight allows multiple portfolios and you can view them together, but the wrapper-specific tax logic requires manual configuration. HL's own tools cannot see non-HL accounts.

Which portfolio tracker has the best UK broker support? Sharesight has the most extensive broker list globally, with strong UK coverage including HL, AJ Bell, Interactive Investor, and Vanguard, among others. Invormed currently supports CSV imports from HL, AJ Bell, Interactive Investor, and Vanguard — the four brokers that account for the majority of UK retail investor assets — but does not yet have live API connections.

Do any of these tools work on mobile? Sharesight has a mobile app. Invormed is developing mobile functionality. Stockopedia's site is responsive. Morningstar X-Ray and PortfolioSlicer do not have dedicated mobile apps.

Which tracker is best for capital gains tax reporting? Sharesight. Its tax reporting is purpose-built, handles Section 104 pooling, HMRC share matching rules, and produces a capital gains report that investors use to inform their self-assessment returns. This remains Sharesight's strongest differentiator. Note: always review output with a qualified accountant before submitting to HMRC.

Can I try any of these before paying? Yes. Sharesight has a free tier and a 30-day trial on paid plans. Stockopedia offers a free trial (verify current terms at stockopedia.com). Invormed has a free tier with no time limit. Morningstar X-Ray is free in its basic form. There is no reason to commit to a paid plan without testing the import flow and interface first.

What is ETF look-through and why does it matter? ETF look-through is the process of decomposing an ETF or fund into its underlying holdings to understand your actual exposure at the stock, sector, and geographic level. If you hold VWRP and HSBC Global Equity, both contain significant positions in Apple, Microsoft, and Nvidia. Without look-through, you see two ETF positions. With look-through, you see that 8–10% of your total portfolio may be in a handful of US technology companies. For UK investors holding multiple global ETFs, this is a material analytical gap that basic trackers don't address.

Is Invormed safe to use with my investment data? Invormed uses CSV import — you are not connecting broker credentials or granting account access. The data you upload is used to populate your portfolio view. Review the Invormed privacy policy for data handling specifics before uploading sensitive financial information.

The Honest Closer

The right tracker depends on your broker mix, your account types, and whether ETF look-through changes the analytical picture for you. For straightforward single-broker investors, the in-platform tools are often sufficient. For multi-broker investors with mainly individual stocks and a need for tax reporting, Sharesight's track record and reporting quality justify the cost. For investors holding multiple ETFs across ISA and SIPP who want to understand their actual underlying exposure, look-through changes the answer — and only a handful of tools address it at all.