ISA Allowance Calculator UK
Check how much of your £20,000 ISA allowance you have left to use in the current tax year.
Calculator
What this means
ISAs let you save or invest tax-free up to an annual limit. The allowance resets each tax year on 6 April.
How to use this calculator
- Enter how much you've already paid into ISAs this tax year.
- See how much of your £20,000 allowance remains.
- Plan your remaining contributions before 5 April.
Worked example
You've paid £8,000 into a cash ISA this tax year.
- The annual ISA allowance is £20,000.
- £20,000 − £8,000 = £12,000 remaining.
You can still pay in up to £12,000 before the tax year ends.
Who this is for
- Savers and investors using ISAs.
- Anyone splitting money across ISA types.
- People planning contributions before the 5 April deadline.
How the ISA allowance works
Each tax year you can put up to £20,000 into ISAs, where interest and investment gains are tax-free. You can spread this across cash, stocks and shares, innovative finance and Lifetime ISAs.
The allowance resets every 5 April and can't be carried over, so unused allowance is lost. A Lifetime ISA is capped at £4,000 a year, which counts towards the overall £20,000.
Frequently asked questions
For 2026/27 the total ISA allowance is £20,000 across Cash, Stocks & Shares, and other ISA types.
No. Unused ISA allowance does not roll over to the next tax year.
Yes. Lifetime ISA contributions count towards your overall £20,000 ISA limit (with a separate £4,000 LISA sub-limit).
Yes. You can pay into different types of ISA in the same tax year as long as your total contributions stay within the £20,000 allowance.
No. The £20,000 allowance resets each tax year on 6 April. Any unused amount is lost, so it can pay to use it before the deadline.
Disclaimer
This calculator provides estimates for guidance only. It is not financial, legal or tax advice. Always check official sources or speak to a qualified professional before making decisions.
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