What types of ISA are available?

Cash ISA (interest), Stocks & Shares ISA (dividends + growth), Lifetime ISA (25% government bonus for first home or retirement, max GBP 4,000/year, age 18-39), and Junior ISA (GBP 9,000 limit for under-18s). The total across all ISA types cannot exceed GBP 20,000 per year.

How much can I put into ISAs in 2026-27?

GBP 20,000 across all ISA types combined, with the Lifetime ISA having its own GBP 4,000 sub-limit. Cite: ISA Regs 1998 reg.4ZA.

Do I have to declare ISA income on my tax return?

No -- interest, dividends and capital gains inside an ISA are exempt from income tax and CGT and are not reportable. Cite: ITTOIA 2005 s.694; TCGA 1992 s.151.

UK ISA Tax Savings Calculator

Calculate how much tax you save with an ISA

ISAs (Individual Savings Accounts) shelter your investments from UK income tax and capital gains tax. The annual ISA limit is GBP 20,000 for 2026-27. This calculator shows how much tax you could save compared to investing outside an ISA.

Frequently Asked Questions

What types of ISA are available?+
How much can I put into ISAs in 2026-27?+
Do I have to declare ISA income on my tax return?+