Zeenox is a UK Muslim investor Portfolio X-Ray and annual report tool. It helps you review your whole portfolio in one place: allocation, halal screening status, missing data, tax-readiness gaps, Zakat notes and accountant-ready questions.

What does the Portfolio X-Ray show?

The Portfolio X-Ray shows a portfolio summary, readiness score, halal screening status, allocation, missing-data checklist, tax-readiness checklist, Zakat and purification notes, and questions to discuss with a qualified accountant or scholar.

Does Zeenox give investment, tax or Shariah advice?

No. Zeenox organises portfolio evidence and highlights areas to review. It does not provide financial, tax, legal, Shariah or investment advice, and it does not replace a qualified accountant, adviser or scholar.

Can I import my portfolio?

Yes. Zeenox supports portfolio setup through broker import where available, CSV or statement upload, and manual holdings entry. If an import fails, you can still add holdings manually.

What is included in the annual portfolio report?

The annual report includes the Portfolio X-Ray, holdings table, methodology summary, missing-data checklist, tax-readiness checklist, Zakat and purification notes, accountant questions and disclaimer.

Is Zeenox free to use?

You can view a sample Portfolio X-Ray and start building a portfolio for free. Paid plans unlock the full annual portfolio report and evidence pack workflow.

Sample profile. This is an illustrative household so you can explore the full experience. The figures are examples, not your data.

Money Finder

Zeenox found up to £6790 you may be leaving behind

Across 9 money levers · 7 worth a look now · draft estimates to review, not advice

Based on your tax bracket, family profile, portfolio wrappers, donations, pensions, dividends, losses and childcare settings.

Prepare my money levers

You've recorded £3,805.00 in zakatacross 3 tax years — see Your Record →

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

Your money levers

Worth reviewing

The income figure that decides your benefits

Adjusted Net Income Money Finder

ConfidenceHigh

A draft estimate of your adjusted net income, prepared from your income, pension and Gift Aid figures. Check before relying on it.

Show Working

Data used

Income figure you entered
Grossed-up relief-at-source pension contributions
Grossed-up Gift Aid donations

Draft figures

Income estimate: £90,000.00
Pension adjustment: − £10,000.00
Gift Aid adjustment: − £750.00
Adjusted net income (draft figure): £79,250.00

Thresholds affected

High Income Child Benefit Charge band (£60,000–£80,000)
Higher-rate band (£50,270)

Assumptions

Salary-sacrifice and net-pay pension already reduce taxable pay and are not subtracted again.
This is a draft figure and does not include every possible adjustment — subject to HMRC rules.

Missing info

No missing information listed for this lever.

May be worth asking yourself

Could pension contributions or Gift Aid change your adjusted net income?
Are you near a threshold where benefits or allowances may change?

Worth reviewing

You may be owed tax relief on your donations

Gift Aid Higher-Rate Relief Check

ConfidenceMedium

You may be eligible to review higher-rate Gift Aid relief. These are draft figures — you must have paid enough tax and should check eligibility before claiming anything.

Could be worth£110–£150/yr

Estimated higher-rate relief on your draft donations · draft estimate · check it

Show Working

Data used

Gift Aid donation amount you entered
Your selected tax bracket

Draft figures

Donation amount entered: £600.00
Grossed-up Gift Aid amount: £750.00
Higher-rate relief area to review (draft figure): £150.00

Thresholds affected

Self Assessment / HMRC tax code may be the route to review this relief

Assumptions

Basic-rate gross-up of 20% is assumed (subject to HMRC rules).
Relief only applies if you have paid at least as much tax as the gross-up.

Missing info

No missing information listed for this lever.

May be worth asking yourself

Have I claimed higher-rate Gift Aid relief?
Have I paid enough tax to cover the grossed-up donation?

Worth reviewing

Your pension may unlock extra tax relief

Pension Relief / Threshold Check

ConfidenceMedium

Your pension type may change how relief is given and how it affects your adjusted net income. Draft figures to review — subject to HMRC rules.

Could be worth£1,400–£2,000/yr

Estimated higher-rate relief on your pension contributions · draft estimate · check it

Show Working

Data used

Your pension contribution type
Pension contribution amount (if entered)

Draft figures

Pension contribution type: SIPP (relief at source)
Grossed-up amount (draft figure): £10,000.00
Adjusted net income impact: May reduce adjusted net income

Thresholds affected

Relief-at-source contributions may reduce adjusted net income near thresholds

Assumptions

Relief-at-source schemes add 20% basic-rate relief (subject to HMRC rules).

Missing info

No missing information listed for this lever.

May be worth asking yourself

Have I claimed all pension relief available for my contribution type?
Does my pension type already apply relief through payroll/salary sacrifice?

Worth reviewing

Could you keep more of your Child Benefit?

Child Benefit Charge Watch

ConfidenceMedium

Your adjusted net income may affect how much Child Benefit your household keeps. Draft figures only — check the GOV.UK calculator.

Could be worth£1,300–£2,160/yr

Child Benefit your household may keep by managing income · draft estimate · check it

Show Working

Data used

Adjusted net income draft estimate
Child Benefit claim status

Draft figures

Adjusted net income (draft figure): £79,250.00
Threshold band: £60,000 – £80,000 (charge applies within this band)
Estimated clawback: 96% (draft estimate)

Thresholds affected

High Income Child Benefit Charge (£60,000–£80,000)

Assumptions

1% of Child Benefit is charged per £200 of ANI over £60,000 (subject to HMRC rules).

Missing info

No missing information listed for this lever.

May be worth asking yourself

Could adjusted net income affect how much Child Benefit my household keeps?
Do I need to budget for a Self Assessment charge?

Worth reviewing

Are you getting all the childcare help you qualify for?

Tax-Free Childcare / Free Childcare Eligibility Watch

ConfidenceLow

You may be eligible for childcare support that needs applying for and reconfirming. Adjusted net income over £100,000 can remove eligibility — worth reviewing.

Could be worth£500–£2,000/yr

Childcare support you may be eligible to use · draft estimate — add your figures to sharpen · check it

Show Working

Data used

Childcare cost status
Scheme usage answers
Adjusted net income draft estimate

Draft figures

Possible top-up reminder: Tax-Free Childcare may be worth reviewing
Reconfirmation: Tax-Free Childcare must be reconfirmed every 3 months
£100,000 cliff: Draft income is under £100,000

Thresholds affected

£100,000 adjusted net income cliff for free childcare and Tax-Free Childcare

Assumptions

Eligibility depends on both parents and is subject to HMRC rules.

Missing info

No missing information listed for this lever.

May be worth asking yourself

Am I using support I may be eligible for?
Could adjusted net income affect childcare support?

Worth reviewing

Record this year’s investment losses before the window closes

Loss Vault / Tax Loss Record

ConfidenceMedium

Realised losses in a taxable account may be worth recording before the claim window closes. Draft record to review — not advice to trade.

Could be worth£240–£480/yr

Capital-gains tax a recorded loss may offset · draft estimate · check it

Show Working

Data used

Realised disposals in your taxable (GIA) account

Draft figures

Realised loss (draft figure): £2,400.00
Annual exempt amount for context: £3,000.00
Claim/review window: Losses are generally recorded within HMRC time limits — check the year

Thresholds affected

Capital Gains Tax annual exempt amount and loss-claim time limits

Assumptions

Losses must be reported to HMRC to be usable — subject to HMRC rules.

Missing info

No missing information listed for this lever.

May be worth asking yourself

Have these losses been recorded before the claim window closes?

Worth reviewing

Tax and purification on your dividends, in one place

Dividend Tax + Purification Watch

ConfidenceMedium

Dividends outside an ISA may be relevant to the dividend allowance, and some holdings may need purification tracking. Draft figures to review.

May apply£60–£240/yr

Dividend tax that may apply outside your allowance · draft estimate · check it

Show Working

Data used

Dividend payments by wrapper
Any non-compliant revenue ratios on record

Draft figures

Dividends inside ISA (sheltered): £900.00
Dividends outside ISA (taxable): £1,200.00
Dividend allowance: £500.00
Purification estimate: Prepared per holding where ratios are on record

Thresholds affected

Dividend allowance (£500.00)

Assumptions

ISA and pension dividends are sheltered; GIA and unconfirmed wrappers are treated as taxable.

Missing info

No missing information listed for this lever.

May be worth asking yourself

Are these dividends taxable, sheltered, or relevant to purification tracking?

Prepared

How much tax-free ISA and JISA room is left this year

ISA/JISA Wrapper Opportunity

ConfidenceMedium

A map of which family money is inside vs outside tax wrappers, with allowance remaining and the deadline. May be useful to review — not advice to move money.

Tax-free room£15,500 room left

Tax-free ISA/JISA room still available this year · draft estimate · check it

Show Working

Data used

Accounts you told us you use
ISA/JISA contributions on record

Draft figures

ISA allowance used: £12,000.00
ISA allowance remaining (draft figure): £8,000.00
JISA allowance used: £1,500.00
JISA allowance remaining (draft figure): £7,500.00
Deadline: ISA/JISA allowances reset on 6 April each year

Thresholds affected

ISA allowance (£20,000.00)
JISA allowance (£9,000.00)

Assumptions

Allowances are per person/child, per tax year (subject to HMRC rules).

Missing info

No missing information listed for this lever.

May be worth asking yourself

Do I understand which family money is inside vs outside tax wrappers?

Prepared

How ready your tax pack is

Tax Pack Readiness

ConfidenceMedium

A running view of how ready your tax pack is — prepared sections, missing documents, draft figures and questions to ask. Review and check before submitting.

Show Working

Data used

Every lever above
Documents on record

Draft figures

Prepared sections: Capital gains/losses, dividends, pension relief, Gift Aid, ANI, Child Benefit, ISA/GIA split, Zakat/purification
Draft figures: Prepared from your data where available
Accountant questions: Generated from your levers

Thresholds affected

Self Assessment filing deadline (subject to HMRC rules)

Assumptions

Readiness measures preparation only — you must review and check before submitting.

Missing info

See the Missing Documents panel

May be worth asking yourself

Are these figures ready for Self Assessment or accountant review?

Prepared for you

Draft notes Zeenox has prepared from your data. Review them and check before submitting.

Draft Gift Aid relief note

Prepare a draft note of Gift Aid donations and higher-rate relief area to review with HMRC or an accountant.

Draft pension relief question

Prepare a question about your pension contribution type and whether any extra relief may be eligible.

Prepare Child Benefit threshold check

Prepare a draft adjusted net income figure to check against the Child Benefit charge threshold.

Prepare childcare reconfirmation reminder

Prepare a reminder to reconfirm childcare support details and check eligibility before relying on it.

Prepare capital loss record

Prepare a draft record of realised losses from your data for accountant or HMRC review.

Prepare accountant pack export

Prepare a draft tax pack from your data, including missing documents and questions to review.

Questions to ask

Prepared from your levers to take to your accountant or HMRC. Zeenox does not answer these.

1Is my adjusted net income figure complete for my circumstances?
2Have I claimed higher-rate Gift Aid relief?
3Does my pension type require me to claim extra relief?
4Could my adjusted net income affect Child Benefit?
5Could my adjusted net income affect free childcare?
6Can these losses be claimed or carried forward?
7Are my taxable dividends correctly recorded?
8Are these figures ready for Self Assessment or accountant review?

Missing information

Adding these would sharpen your draft figures. They are optional — your levers still show what is known.

See the Missing Documents panel
Sharpens: Tax pack readiness

Add more inputs

Reminders

Calm prompts to review or reconfirm later. They never tell you what to do with your money.

Review Child Benefit charge position

Annually

Set an annual reminder to check whether your adjusted net income may affect Child Benefit.

Reconfirm childcare support

Quarterly

Set a quarterly reminder to reconfirm Tax-Free Childcare or free childcare details, subject to HMRC rules.

Review realised loss records

Annually

Set an annual reminder to gather realised disposal records and check the draft figure before relying on it.

Review ISA/JISA allowance reset

Annually

Set an annual reminder for 6 April, when ISA and JISA allowances reset for the new tax year.

Prepare Self Assessment pack

Annually

Set an annual reminder to prepare your tax pack from your data and check it before submitting.

Tax pack readiness

How prepared your pack is from the data on record. Review and check before submitting.

100%

prepared

Sections prepared: 8 of 8
Draft figures ready: 29
Questions generated: 8

Capital gains / losses
3 draft figures ready
Dividends
4 draft figures ready
Pension relief
3 draft figures ready
Gift Aid
3 draft figures ready
Adjusted net income
4 draft figures ready
Child Benefit watch
3 draft figures ready
ISA / GIA split
5 draft figures ready
Zakat / purification
4 draft figures ready

Open review pack

You're ahead of where you started

Zeenox has organised up to £6790 for you to review

Across 9 areas, with your tax pack 100% ready. Draft figures to review — not advice. Add a few more and Zeenox can find more.

Sharpen these and find more Open review pack

Coming next to your plan

Your AI Tax Copilot is on the way

It's learning from how Zeenox prepares your figures. Soon it will explain every draft figure in plain English and get your questions ready — always explaining and preparing, never advising or submitting.

Plain-English answers on any lever
Reads your statements so you never type a figure
Prepares your accountant questions automatically

Try a question to see what you'll be able to ask

Show Working

Data used

Your saved Money Finder profile (bands and answers only)
The draft figures behind your active levers

Formula

The assistant will explain and summarise your prepared figures — it will not calculate new tax positions on its own.

Calculation

No answer is generated here yet. Question wiring is a planned step.

Assumptions

The assistant explains and prepares; it does not give tax, financial, investment, legal or Shariah advice.
Draft figures are subject to HMRC rules and must be reviewed before being relied on.

Missing data

Live model responses are not connected yet in this scaffold.

Safe next step

Use the prepared draft figures and questions, then check with your accountant or HMRC.

Zeenox found up to £6790 you may be leaving behind

Across 9 money levers · 7 worth a look now · draft estimates to review, not advice

Based on your tax bracket, family profile, portfolio wrappers, donations, pensions, dividends, losses and childcare settings.

You've recorded £3,805.00 in zakatacross 3 tax years — see Your Record →

Your money levers

Worth reviewing

The income figure that decides your benefits

Adjusted Net Income Money Finder

ConfidenceHigh

A draft estimate of your adjusted net income, prepared from your income, pension and Gift Aid figures. Check before relying on it.

Show Working

Data used

Income figure you entered
Grossed-up relief-at-source pension contributions
Grossed-up Gift Aid donations

Draft figures

Income estimate: £90,000.00
Pension adjustment: − £10,000.00
Gift Aid adjustment: − £750.00
Adjusted net income (draft figure): £79,250.00

Thresholds affected

High Income Child Benefit Charge band (£60,000–£80,000)
Higher-rate band (£50,270)

Assumptions

Salary-sacrifice and net-pay pension already reduce taxable pay and are not subtracted again.
This is a draft figure and does not include every possible adjustment — subject to HMRC rules.

Missing info

No missing information listed for this lever.

May be worth asking yourself

Could pension contributions or Gift Aid change your adjusted net income?
Are you near a threshold where benefits or allowances may change?

Worth reviewing

You may be owed tax relief on your donations

Gift Aid Higher-Rate Relief Check

ConfidenceMedium

You may be eligible to review higher-rate Gift Aid relief. These are draft figures — you must have paid enough tax and should check eligibility before claiming anything.

Could be worth£110–£150/yr

Estimated higher-rate relief on your draft donations · draft estimate · check it

Show Working

Data used

Gift Aid donation amount you entered
Your selected tax bracket

Draft figures

Donation amount entered: £600.00
Grossed-up Gift Aid amount: £750.00
Higher-rate relief area to review (draft figure): £150.00

Thresholds affected

Self Assessment / HMRC tax code may be the route to review this relief

Assumptions

Basic-rate gross-up of 20% is assumed (subject to HMRC rules).
Relief only applies if you have paid at least as much tax as the gross-up.

Missing info

No missing information listed for this lever.

May be worth asking yourself

Have I claimed higher-rate Gift Aid relief?
Have I paid enough tax to cover the grossed-up donation?

Worth reviewing

Your pension may unlock extra tax relief

Pension Relief / Threshold Check

ConfidenceMedium

Your pension type may change how relief is given and how it affects your adjusted net income. Draft figures to review — subject to HMRC rules.

Could be worth£1,400–£2,000/yr

Estimated higher-rate relief on your pension contributions · draft estimate · check it

Show Working

Data used

Your pension contribution type
Pension contribution amount (if entered)

Draft figures

Pension contribution type: SIPP (relief at source)
Grossed-up amount (draft figure): £10,000.00
Adjusted net income impact: May reduce adjusted net income

Thresholds affected

Relief-at-source contributions may reduce adjusted net income near thresholds

Assumptions

Relief-at-source schemes add 20% basic-rate relief (subject to HMRC rules).

Missing info

No missing information listed for this lever.

May be worth asking yourself

Have I claimed all pension relief available for my contribution type?
Does my pension type already apply relief through payroll/salary sacrifice?

Worth reviewing

Could you keep more of your Child Benefit?

Child Benefit Charge Watch

ConfidenceMedium

Your adjusted net income may affect how much Child Benefit your household keeps. Draft figures only — check the GOV.UK calculator.

Could be worth£1,300–£2,160/yr

Child Benefit your household may keep by managing income · draft estimate · check it

Show Working

Data used

Adjusted net income draft estimate
Child Benefit claim status

Draft figures

Adjusted net income (draft figure): £79,250.00
Threshold band: £60,000 – £80,000 (charge applies within this band)
Estimated clawback: 96% (draft estimate)

Thresholds affected

High Income Child Benefit Charge (£60,000–£80,000)

Assumptions

1% of Child Benefit is charged per £200 of ANI over £60,000 (subject to HMRC rules).

Missing info

No missing information listed for this lever.

May be worth asking yourself

Could adjusted net income affect how much Child Benefit my household keeps?
Do I need to budget for a Self Assessment charge?

Worth reviewing

Are you getting all the childcare help you qualify for?

Tax-Free Childcare / Free Childcare Eligibility Watch

ConfidenceLow

You may be eligible for childcare support that needs applying for and reconfirming. Adjusted net income over £100,000 can remove eligibility — worth reviewing.

Could be worth£500–£2,000/yr

Childcare support you may be eligible to use · draft estimate — add your figures to sharpen · check it

Show Working

Data used

Childcare cost status
Scheme usage answers
Adjusted net income draft estimate

Draft figures

Possible top-up reminder: Tax-Free Childcare may be worth reviewing
Reconfirmation: Tax-Free Childcare must be reconfirmed every 3 months
£100,000 cliff: Draft income is under £100,000

Thresholds affected

£100,000 adjusted net income cliff for free childcare and Tax-Free Childcare

Assumptions

Eligibility depends on both parents and is subject to HMRC rules.

Missing info

No missing information listed for this lever.

May be worth asking yourself

Am I using support I may be eligible for?
Could adjusted net income affect childcare support?

Worth reviewing

Record this year’s investment losses before the window closes

Loss Vault / Tax Loss Record

ConfidenceMedium

Realised losses in a taxable account may be worth recording before the claim window closes. Draft record to review — not advice to trade.

Could be worth£240–£480/yr

Capital-gains tax a recorded loss may offset · draft estimate · check it

Show Working

Data used

Realised disposals in your taxable (GIA) account

Draft figures

Realised loss (draft figure): £2,400.00
Annual exempt amount for context: £3,000.00
Claim/review window: Losses are generally recorded within HMRC time limits — check the year

Thresholds affected

Capital Gains Tax annual exempt amount and loss-claim time limits

Assumptions

Losses must be reported to HMRC to be usable — subject to HMRC rules.

Missing info

No missing information listed for this lever.

May be worth asking yourself

Have these losses been recorded before the claim window closes?

Worth reviewing

Tax and purification on your dividends, in one place

Dividend Tax + Purification Watch

ConfidenceMedium

Dividends outside an ISA may be relevant to the dividend allowance, and some holdings may need purification tracking. Draft figures to review.

May apply£60–£240/yr

Dividend tax that may apply outside your allowance · draft estimate · check it

Show Working

Data used

Dividend payments by wrapper
Any non-compliant revenue ratios on record

Draft figures

Dividends inside ISA (sheltered): £900.00
Dividends outside ISA (taxable): £1,200.00
Dividend allowance: £500.00
Purification estimate: Prepared per holding where ratios are on record

Thresholds affected

Dividend allowance (£500.00)

Assumptions

ISA and pension dividends are sheltered; GIA and unconfirmed wrappers are treated as taxable.

Missing info

No missing information listed for this lever.

May be worth asking yourself

Are these dividends taxable, sheltered, or relevant to purification tracking?

Prepared

How much tax-free ISA and JISA room is left this year

ISA/JISA Wrapper Opportunity

ConfidenceMedium

A map of which family money is inside vs outside tax wrappers, with allowance remaining and the deadline. May be useful to review — not advice to move money.

Tax-free room£15,500 room left

Tax-free ISA/JISA room still available this year · draft estimate · check it

Show Working

Data used

Accounts you told us you use
ISA/JISA contributions on record

Draft figures

ISA allowance used: £12,000.00
ISA allowance remaining (draft figure): £8,000.00
JISA allowance used: £1,500.00
JISA allowance remaining (draft figure): £7,500.00
Deadline: ISA/JISA allowances reset on 6 April each year

Thresholds affected

ISA allowance (£20,000.00)
JISA allowance (£9,000.00)

Assumptions

Allowances are per person/child, per tax year (subject to HMRC rules).

Missing info

No missing information listed for this lever.

May be worth asking yourself

Do I understand which family money is inside vs outside tax wrappers?

Prepared

How ready your tax pack is

Tax Pack Readiness

ConfidenceMedium

A running view of how ready your tax pack is — prepared sections, missing documents, draft figures and questions to ask. Review and check before submitting.

Show Working

Data used

Every lever above
Documents on record

Draft figures

Prepared sections: Capital gains/losses, dividends, pension relief, Gift Aid, ANI, Child Benefit, ISA/GIA split, Zakat/purification
Draft figures: Prepared from your data where available
Accountant questions: Generated from your levers

Thresholds affected

Self Assessment filing deadline (subject to HMRC rules)

Assumptions

Readiness measures preparation only — you must review and check before submitting.

Missing info

See the Missing Documents panel

May be worth asking yourself

Are these figures ready for Self Assessment or accountant review?

Prepared for you

Draft notes Zeenox has prepared from your data. Review them and check before submitting.

Draft Gift Aid relief note

Prepare a draft note of Gift Aid donations and higher-rate relief area to review with HMRC or an accountant.

Draft pension relief question

Prepare a question about your pension contribution type and whether any extra relief may be eligible.

Prepare Child Benefit threshold check

Prepare a draft adjusted net income figure to check against the Child Benefit charge threshold.

Prepare childcare reconfirmation reminder

Prepare a reminder to reconfirm childcare support details and check eligibility before relying on it.

Prepare capital loss record

Prepare a draft record of realised losses from your data for accountant or HMRC review.

Prepare accountant pack export

Prepare a draft tax pack from your data, including missing documents and questions to review.

Reminders

Calm prompts to review or reconfirm later. They never tell you what to do with your money.

Review Child Benefit charge position

Annually

Set an annual reminder to check whether your adjusted net income may affect Child Benefit.

Reconfirm childcare support

Quarterly

Set a quarterly reminder to reconfirm Tax-Free Childcare or free childcare details, subject to HMRC rules.

Review realised loss records

Annually

Set an annual reminder to gather realised disposal records and check the draft figure before relying on it.

Review ISA/JISA allowance reset

Annually

Set an annual reminder for 6 April, when ISA and JISA allowances reset for the new tax year.

Prepare Self Assessment pack

Annually

Set an annual reminder to prepare your tax pack from your data and check it before submitting.