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Zeenox — Verifying Ethically. Helping UK Muslim investors review their whole portfolio in one place — halal screening, tax readiness and Zakat evidence in a single report.

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Zeenox found 6 wealth areas to review

This first slice uses mock read-only portfolio data to show what Zeenox found, why it surfaced each area, and exactly how each calculation was produced.

Open saved portfoliosCompare with Portfolio X-RayExplore Premium plans

Data mode

Mock read-only

To review

6 of 8 areas

Order access

No trading permissions

Zeenox provides calculations, educational context and record-keeping tools. It does not provide financial, investment, tax, legal or Shariah advice.

Areas to review

Needs review

£2,840 realised losses detected

ConfidenceMedium

Zeenox found realised losses in taxable wrapper disposals from the mock portfolio. These figures may need accountant review before they are used in a tax return.

Open review table
Show Working

Data used

  • 3 mock taxable disposals
  • Acquisition cost and disposal proceeds for each disposal
  • Only disposals where proceeds are below cost are counted as losses

Formula

Realised loss = acquisition cost - disposal proceeds, when proceeds are lower than cost

Calculation

VWRL: £10,000 - £8,200 = £1,800; HLAL: £6,000 - £4,960 = £1,040; total = £2,840

Assumptions

  • Mock data is read-only and uses simple matched disposal rows
  • Fees, same-day matching and prior pooled costs are not included in this first slice

Missing data

  • Full broker transaction history
  • Fees and FX costs
  • Confirmed Section 104 pool records

Safe next step

Export the calculation and explore it with a qualified accountant if you plan to rely on it.

Records check

£420 dividends in taxable accounts

ConfidenceHigh

Zeenox split recorded dividends by wrapper. Dividends in taxable accounts (outside ISA and pension wrappers) may be useful to review for record-keeping and possible tax reporting.

Show Working

Data used

  • 4 mock dividend rows
  • Wrapper labels: ISA, GIA and unknown
  • Dividend amounts in GBP

Formula

Taxable-account dividends = GIA dividends + unconfirmed-wrapper dividends. ISA and pension (SIPP) dividends are treated as sheltered and excluded.

Calculation

£300 GIA + £120 unknown = £420 in taxable accounts; £185 is held in ISA or pension wrappers

Assumptions

  • Unknown wrapper rows are treated as taxable until confirmed
  • ISA and pension (SIPP) dividends are treated as sheltered from dividend tax

Missing data

  • Dividend tax vouchers
  • Confirmed wrapper for unknown rows
  • Other income and allowance details

Safe next step

Compare the split with broker statements and mark any unknown wrappers.

Needs review

2 trades may need 30-day rule review

ConfidenceMedium

Two mock disposals have later acquisitions of the same symbol within 30 days. The matching treatment may need accountant review.

Show Working

Data used

  • 3 mock disposals
  • 3 mock later acquisitions
  • Symbol and trade date for each row

Formula

Flag when same-symbol acquisition date is 1 to 30 days after disposal date

Calculation

VWRL reacquired 19 days later; HLAL reacquired 23 days later; SUK2 was outside the window

Assumptions

  • Symbols are matched case-insensitively
  • This first slice flags possible review items and does not apply tax matching automatically

Missing data

  • Same-day trades
  • Full Section 104 pool
  • Spouse or connected-account activity

Safe next step

Keep these trades together in your records and explore the treatment with an accountant.

Records check

Zakat records 62% complete

ConfidenceHigh

Five of eight mock Zakat record categories are present. The missing categories show where record-keeping may be incomplete.

Show Working

Data used

  • 8 sample Zakat record categories
  • 5 marked complete
  • 3 marked missing

Formula

Readiness percentage = floor(complete records / total records x 100)

Calculation

floor(5 / 8 x 100) = 62%

Assumptions

  • Each category is weighted equally in this first slice
  • Completeness means the record exists; it does not confirm a religious ruling

Missing data

  • Private business assets
  • Money owed to you
  • Hawl anniversary date

Safe next step

Add the missing record categories, then compare the result with your chosen Zakat method.

Estimate

£46 purification estimate

ConfidenceLow

This educational estimate multiplies recorded dividends by mock non-permissible revenue ratios. It is a calculation aid, not a Shariah ruling.

Show Working

Data used

  • 4 mock dividend rows
  • Mock non-permissible revenue ratios for each holding

Formula

Estimated purification = dividend received x non-permissible revenue ratio

Calculation

£180 x 7% + £120 x 5% + £164 x 8% + £178.50 x 8% = £46

Assumptions

  • Ratios are sample values and may not match a scholar-approved screen
  • Only recorded dividends are included

Missing data

  • Current screening provider evidence
  • Exact non-permissible income ratios
  • Scholar or methodology preference

Safe next step

Use this as a worksheet and compare it with qualified Shariah guidance.

Evidence review

3 holdings need halal evidence review

ConfidenceMedium

Three mock holdings have missing, stale or unverified evidence. Zeenox can organise the evidence trail, but it does not decide Shariah status.

Show Working

Data used

  • 5 mock holdings
  • Evidence statuses: current, stale, missing and unverified

Formula

Evidence review count = holdings where status is not current

Calculation

VWRL stale + SUK2 missing + ISDW unverified = 3 holdings to review

Assumptions

  • Current evidence means a source has been attached in the record
  • A current record does not guarantee a Shariah outcome

Missing data

  • Screening date
  • Screening provider
  • Annual report source links

Safe next step

Attach the evidence source for each holding and compare it with your preferred methodology.

Reviewed — nothing flagged right now

Records check

£7,200 ISA allowance remaining

ConfidenceHigh

The mock 2026/27 ISA contribution records show £12,800 used against a £20,000 sample allowance, leaving £7,200 to review.

Show Working

Data used

  • 2026/27 mock ISA contribution rows
  • Sample annual allowance: £20,000

Formula

Remaining ISA allowance = annual allowance - contributions in the tax year

Calculation

£20,000 - (£9,000 + £3,800) = £7,200

Assumptions

  • The sample uses a £20,000 annual allowance
  • Only contributions dated from 6 April 2026 to 5 April 2027 are counted

Missing data

  • Transfers, withdrawals and flexible ISA replacement details
  • Other providers not in the mock data

Safe next step

Compare the contribution list with each ISA provider before making any personal decision.

Projection

Family Freedom Score: 18%

ConfidenceLow

This compares tracked household wealth with a user-set target. The projection is a scenario, not a promise or instruction.

Show Working

Data used

  • Tracked wealth: £54,000
  • User-set target: £300,000
  • Scenario: £750 monthly, 4% annual growth for 10 years

Formula

Score = tracked wealth / target wealth x 100

Calculation

£54,000 / £300,000 x 100 = 18%; scenario value after 10 years = £190,942.27

Assumptions

  • Target is user-defined
  • Future value uses monthly compounding and end-of-month contributions
  • The growth rate is an assumption for comparison only

Missing data

  • Inflation preference
  • Household expenses
  • Other assets and debts

Safe next step

Adjust the target and assumptions to simulate different household scenarios.

Loss Vault foundation

Realised disposal review table

This read-only table expands the realised-loss card into disposal rows, matching-method notes and missing-data flags. It may need accountant review before use in tax records.

Losses

£2,840.00

Gains

£260.00

Missing data flags

  • Fees and FX costs should be checked against broker records
  • Transfers and corporate actions are not confirmed in this review
  • Connected-account activity is not included in this first review
Realised disposal rows showing symbols, dates, quantities, costs, proceeds, gains or losses, and matching notes for review.
SymbolDisposal dateQuantityCostProceedsGain / lossMatching note
VWRL2026-05-01120£10,000.00£8,200.00-£1,800.00Mock row matched against a simplified pooled cost record for transparent calculation review.
HLAL2026-05-1880£6,000.00£4,960.00-£1,040.00Mock row matched against a simplified pooled cost record for transparent calculation review.
SUK22026-06-0240£3,000.00£3,260.00£260.00Mock row matched against a simplified pooled cost record for transparent calculation review.

Transaction history review

Add transaction history for Loss Vault

Upload a broker transaction CSV to add read-only records for realised-loss, 30-day review and dividend calculations. Zeenox stores records for review; it does not connect to order permissions or submit orders.

Connect Trading 212 (read-only)

A read-only API-key connection that imports positions, transactions and dividends for review. It never requests order permissions and cannot place, change or cancel trades.

Sign in to import transaction history for your own Loss Vault review. The import uses CSV records only and does not request broker order permissions.

Sign in to import

Future Scenario Lab · Family CFO preview

Simulate your family Freedom Number

Adjust the assumptions to explore a scenario. This is a projection based on your assumptions — not a guarantee, forecast or recommendation.

Projection assumptions

Family Freedom Score

18%

Projected value (10 yr)

£190,942.27

Assumed growth added

£46,942.27

Show Working

Data used

  • Tracked wealth: £54,000.00
  • Freedom Number: £300,000.00
  • Monthly contribution: £750.00
  • Assumed annual growth: 4%

Formula

Score = tracked wealth / Freedom Number x 100. Projection compounds monthly with end-of-month contributions.

Calculation

£54,000.00 / £300,000.00 x 100 = 18%; projected value after 10 years = £190,942.27

Assumptions

  • Growth rate is a flat assumption for comparison only
  • Contributions are added at the end of each month
  • Inflation, fees, taxes and withdrawals are not modelled in this preview

Missing data

  • Household expenses
  • Other assets and debts
  • Inflation preference

Safe next step

Adjust the assumptions to compare scenarios. Discuss any plan with a qualified adviser.

What this v1 slice does not do

It does not auto-trade, does not request Trading 212 order permissions, and does not claim a financial, tax, legal or Shariah outcome. It is a transparent calculation and record-keeping surface for areas that may be useful to explore.