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ISA allowance calculator

Add what you have paid, or plan to pay, into each type of ISA to see how much allowance is left, including the cash ISA limit that starts in April 2027.

  • Free
  • Private
  • No sign-up
Age on 5 April
Age
Allowance left

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Can still go into cash

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Used so far

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The cash ISA change was announced by the government for 6 April 2027 and depends on legislation. Check GOV.UK or your ISA provider before making large payments.

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How to use it

  1. Choose the tax year and your age group.

  2. Enter what you have paid or plan to pay into each type of ISA.

  3. Read what is left and whether any limit is exceeded.

About this tool

Everyone aged 18 or over who lives in the UK can save up to £20,000 a tax year across all their ISAs, with no tax on interest, dividends or gains.

From 6 April 2027, the government plans to limit how much of that can go into cash ISAs to £12,000 for people under 65. The other £8,000 can still go into stocks and shares or innovative finance ISAs. People aged 65 or over keep the full £20,000 cash limit. For the 2026 to 2027 tax year, the whole £20,000 can still go into cash.

A Lifetime ISA takes up to £4,000 of the £20,000, and the government adds a 25% bonus. A Junior ISA for a child has its own £9,000 limit and does not use yours.

Good to know

  • Transfers of previous years’ ISA savings do not use the allowance and should not be entered.
  • Rules for moving money between cash and stocks and shares ISAs after April 2027 are still being finalised and are not modelled.
  • Checked on GOV.UK on 5 November 2026. Not financial advice.

Frequently asked questions

What is the ISA allowance for 2026/27?

£20,000 across all ISAs, and all of it can go into a cash ISA.

Is the cash ISA limit changing?

Yes. From 6 April 2027, people under 65 will be able to put up to £12,000 a year into cash ISAs, within the £20,000 overall allowance, subject to legislation.

Does a Lifetime ISA count towards the £20,000?

Yes. Up to £4,000 a year can go into a Lifetime ISA, and it counts towards your £20,000.

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Last updated 2026-10-20 by the Toolkeel team. How we build and check our tools.