Sort out your crypto tax, without the panic.
A step-by-step workbook for people in the UK with unreported or mis-reported crypto gains — including anyone who's had an HMRC nudge letter — to put things right, clearly and defensibly. No £2,000 accountant bill to find out where you stand.
The rules are genuinely confusing, so it's easy to freeze.
Maybe a letter arrived from HMRC asking about your crypto. Maybe no letter came, but you know there are gains you never reported, and the worry just sits there.
Either way you hit the same wall. Was swapping one token for another taxable? What about moving coins between your own exchanges? What even counts as a disposal — and how are you meant to rebuild years of activity across platforms you barely use now?
The two usual options both feel bad: ignore it and hope, or pay an accountant thousands before you understand what you're paying for. There's a third way.
The process a specialist would follow — broken into steps you can do yourself.
It takes you from "I don't know where to start" to a reconstructed transaction history, a gain or loss calculated with HMRC's own pooling rules, and a clear view of what you need to disclose and how.
It won't replace a solicitor or accountant where you genuinely need one — and it's honest about exactly when that is. What it does is make sure that by the time you pay a professional, you understand your own position instead of paying them to do groundwork you could have done yourself.
Seven steps, in order.
Understanding your HMRC letter
What a nudge letter actually is, what a "certificate of tax position" commits you to, and why you should never rush a reply.
Reconstructing your transactions
A practical method for pulling your history out of exchanges like Coinbase and Kraken into one consistent picture — including the transfers people usually get wrong.
Calculating your gains the HMRC way
The Section 104 pooling rules in plain English, with a ready-to-use calculation tool so you're not doing it by hand.
Income or capital?
A clear decision guide for staking, airdrops and mining, and the cases that get misclassified.
The tricky cases
DeFi, NFTs, lost or stolen crypto, gas fees and the edge cases — with current best-practice treatment.
Disclosing to HMRC
The actual disclosure routes, what to say, the time limits, and how penalties work.
When to bring in a professional
The specific situations where you should stop and get advice — so you always know where the self-serve line is.
The Section 104 calculator
Drop in your transactions and get a worked, readable calculation — the figures and the working, not a black-box number.
Built for a specific situation.
It's for you if
- You've had an HMRC nudge letter about crypto and don't know how to respond.
- You know you have gains from previous years you never reported.
- You want to understand your position before paying a professional — or to handle a straightforward case yourself.
It's not for you if
- You need formal regulated advice for a complex situation today — get an accountant or solicitor.
- You're looking for a way to avoid tax rather than report it correctly. This isn't that.
Launching soon. Join the list to get it first.
It's being finished now, with particular care taken over the disclosure steps — the part that has to be right. Founding members get the launch first, at the founding price, and every update to this edition free.
The things people ask first.
I've had a nudge letter with a deadline. Will this help in time?
The first section is specifically about not rushing a reply you don't understand — it walks through what the letter does and doesn't require. If your deadline is tight or your case is complex, it also tells you plainly when to get a professional involved instead.
Do I need to be technical to use the calculator?
No. You enter your transactions and it does the pooling calculation, showing the working rather than just a final figure.
What if my situation is complicated — lots of DeFi, NFTs, multiple wallets?
The workbook covers these and flags the points where self-serve runs out and professional advice is the right call. It's built to make you an informed client, not to pretend every situation is simple.
Is this UK-specific?
Yes. It's built entirely around UK rules and HMRC's process.
Stop carrying the worry.
Join the founding list and get a clear path to a defensible crypto tax position, the moment it's ready.
A note on scope. ChartersGuide is an educational workbook, not regulated tax or legal advice, and not a substitute for a professional where your situation calls for one. It's written to reflect current HMRC guidance, but tax rules change and your circumstances are your own. Nothing here is a guarantee of any particular HMRC outcome. The workbook is explicit about the points where you should seek professional advice.