ISA allowance calculator
ISA allowance calculator: how much do you have left?
Add up what you have paid into each type of ISA this tax year and see how much of the £20,000 allowance is left, and how much of it can still go into each type. The allowance resets on 6 April, and anything unused is gone.
How much allowance do you have left?
Add up what you've paid into each type of ISA this tax year. The allowance resets on 6 April, and anything unused is gone.
This tax year
Allowance left this tax year
£0
How to read this
The £20,000 is one allowance shared across all your ISAs, not £20,000 for each. Transferring an existing ISA from one provider to another does not use any allowance, as long as it's done as a proper transfer. A Junior ISA has its own separate allowance (£9,000 at the time of writing) and doesn't count towards yours. More in how the ISA allowance works and the ISA family explained.
How it works
How the ISA allowance works
Everyone aged 18 or over who lives in the UK has one ISA allowance a year: £20,000 at the time of writing. It’s shared across every ISA you pay into, so £8,000 in a cash ISA leaves £12,000 for everything else.
One allowance, shared
It’s £20,000 in total, not £20,000 for each account. Since April 2024 you can pay into more than one ISA of the same type in a tax year.
More in can you have more than one ISA.
Use it or lose it
The tax year runs from 6 April to 5 April. Whatever you haven’t used by 5 April is lost; it doesn’t roll over.
Money already inside your ISAs from earlier years doesn’t count, only new money paid in this tax year.
What counts
Lifetime ISA payments count, up to £4,000 a year, but the government bonus doesn’t. A transfer between providers uses no allowance, as long as they move it for you.
A Junior ISA has its own £9,000 limit for the child and doesn’t touch yours.
Questions
Common questions
Quick answers about the figures. For your own circumstances, gov.uk and your provider have the details.
What happens if I go over £20,000?
HMRC will usually contact you or your provider and the excess may be removed, along with any growth on it. If you think you’ve paid in too much, speak to your ISA provider.
Does taking money out give me allowance back?
Only with a flexible ISA, and only within the same tax year. Flexible ISAs explained sets out how.
Is the cash ISA limit changing?
At the time of writing, the Autumn Budget 2026 kept the cash ISA limit at £20,000 for all savers over 18 from April 2027, with legislation due in November 2026. What the Budget means for your ISA has the detail.
Rates used
All rates are at the time of writing and were checked at source on 3 November 2026. They’re updated each year on 6 April, and after any Budget that changes them.
| What | 2026/27 | Source |
|---|---|---|
| ISA allowance | £20,000 a year, shared across all your ISAs | gov.uk: Individual Savings Accounts |
| Lifetime ISA | Up to £4,000 a year, counting towards the £20,000 | gov.uk: Lifetime ISA |
| Junior ISA | £9,000 a year, separate from your own allowance | gov.uk: Junior ISAs |
Other calculators
New to ISAs?
Read the sixteen articles in order.
Getting Started takes you from the basics to opening your ISA, then the principles that keep you invested and how wealth builds over time.
Go to Getting StartedAll results are illustrations, not forecasts, and not financial advice. They assume steady rates that real markets never deliver. The value of investments can go down as well as up, and you can get back less than you put in. Allowances, tax rates and ISA rules can change, so always check gov.uk for the current figures.
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