BedAndBreakfast.Tax: Broker-Agnostic Trade Coordination Plugin
A browser extension + lightweight web app that integrates with investor's existing broker login (via OAuth or secure credential storage). It monitors the investor's holdings in real-time, flags bed-and-breakfast opportunities as the tax year approaches, calculates precise tax impact, and generates a one-click 'execution plan' that the investor can send to their broker (or execute themselves if broker supports it). The plugin acts as the 'smart middle layer' between investor and broker.
25 weeks • 70% confidence
Value Proposition
Removes manual spreadsheet work and calculation errors; works with ANY broker (no API integration required from broker side); generates HMRC-compliant execution plan in 2 minutes; lets investors execute themselves or forward to broker with confidence. Cheaper than a service (£49-99/year) because investor does final execution; faster than a service because no advisor bottleneck.
Target Audience
Self-directed UK investors aged 30-55 with £50k-£500k portfolios who use Interactive Brokers, Hargreaves Lansdown, AJ Bell, or Degiro; tech-comfortable, prefer DIY but want automation and confidence
Key Features
- Secure broker login (OAuth for supported brokers; encrypted credential storage for others)
- Real-time holdings dashboard showing unrealized gains/losses, cost basis, holding period
- Automated bed-and-breakfast scanner: highlights positions with >£300 loss, calculates 30-day wash-sale window
- And more, with full implementation detail...
Tech Stack
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Sign up freeOriginal Problem
UK investors struggle to optimize capital gains tax through bed-and-breakfast trading strategiesUK-based investors need to execute same-day capital gains tax avoidance strategies (bed-and-breakfast trades) but lack automated tools to identify opportunities, calculate tax implications, and execute trades efficiently before tax year-end deadlines. Current solutions require manual calculation and brokerage coordination, creating friction and missed optimization opportunities that cost investors thousands in unnecessary tax liability.
Score: 18.4% • 1 demand signal