ISA Calculator 2026/27

Calculate how your ISA could grow over time. Covers Cash ISA, Stocks & Shares ISA and Lifetime ISA (LISA) with the 25% government bonus. Annual allowance: £20,000.

ISA Value After 10 Years
£0.00
Total contributions: £0.00
Total Contributions
£0.00
Interest / Growth
£0.00
Government Bonus
£0.00
Final Balance
£0.00
Monthly Drawdown (3%)
£0.00
Sustainable monthly income
Tax Saved
£0.00
vs equivalent taxable account
Adjust the inputs to see your ISA projection.
Year-by-Year Growth
ISA Allowances 2026/27

The total annual ISA allowance for 2026/27 is £20,000. You can spread this across multiple ISA types in a single tax year.

Cash ISA · Up to £20,000. Interest earned is completely tax-free. Rates typically track the Bank of England base rate.
Stocks & Shares ISA · Up to £20,000. All investment gains and dividends are sheltered from Capital Gains Tax and Income Tax.
Lifetime ISA (LISA) · Up to £4,000/year (counts towards your £20,000 limit). Government adds a 25% bonus (up to £1,000/year). Must be used for a first home purchase or retirement at age 60+.
Junior ISA · Separate £9,000 allowance for under-18s. Not included in the adult £20,000 limit.

ISA Growth Projections · Stocks & Shares ISA 2026/27

Estimated pot value based on monthly contributions at 7% annual growth. Tax-year allowance: £20,000 (£1,667/month max).

Monthly Contribution After 5 Years After 10 Years After 20 Years After 30 Years
£100/mo£7,100£17,400£52,000£121,000
£200/mo£14,300£34,800£104,000£243,000
£500/mo£35,700£86,900£260,000£607,000
£750/mo£53,500£130,300£390,000£910,000
£1,000/mo£71,300£173,800£520,000£1,214,000
£1,667/mo (max)£118,900£289,500£867,000£2,023,000

Explore More Tools

💼 Salary 🏠 Mortgage 🏷️ Stamp Duty 🏦 Savings 🎯 Pension 💳 Credit Card 📋 Loan 🔄 Rent vs Buy 📈 Inflation 📊 Net Worth ❄️ Debt Snowball

ISA Calculator FAQs

What is the ISA allowance for 2026/27?
The annual ISA allowance for 2026/27 is £20,000 per person. You can split this across Cash ISA, Stocks & Shares ISA and Innovative Finance ISA in any combination. The Lifetime ISA has a sub-limit of £4,000 which counts towards the £20,000 total. Unused allowance cannot be carried forward · use it or lose it each tax year.
Cash ISA vs Stocks and Shares ISA · which is better?
Cash ISAs offer capital security and guaranteed rates (currently around 4–5% AER) · ideal for money you need within 3 years. Stocks & Shares ISAs have historically returned 7–10% annually over the long run but carry investment risk. For a 5+ year horizon, equities have typically outpaced inflation and cash. Many people hold both · cash for short-term needs and a S&S ISA for long-term wealth building.
What is the Lifetime ISA bonus and how does it work?
The Lifetime ISA pays a 25% government bonus on contributions up to £4,000 per year · a maximum of £1,000 free money annually. You must be aged 18–39 to open one. The funds can be used to buy a first home (up to £450,000) or accessed from age 60 for retirement. Withdrawing for any other reason incurs a 25% penalty, which claws back the bonus and costs you 6.25% of your own savings.
Can I have multiple ISAs at the same time?
Yes · since April 2024 you can open and pay into multiple ISAs of the same type in a single tax year, as long as your total contributions across all ISAs stay within the £20,000 annual limit (£4,000 sub-limit for LISA). You can also transfer existing ISA balances between providers at any time without losing the tax-free status.
What happens to my ISA when I die?
When you die, your ISA loses its tax-free status unless passed to a surviving spouse or civil partner via an Additional Permitted Subscription (APS). A spouse can inherit your ISA allowance on top of their own £20,000 · meaning they can invest up to your ISA value into their own ISA and keep the tax-free wrapper. ISA assets form part of your estate for Inheritance Tax purposes unless held in certain qualifying investments.

For informational purposes only · Not financial advice · ISA rules and allowances shown are for 2026/27 · Investment returns are not guaranteed