ISA Calculator 2026/27

The ISA allowance for 2026/27 is £20,000 per person, split across any ISA types. All growth is completely tax-free — no Capital Gains Tax, no Income Tax on dividends.

The Lifetime ISA gives a 25% government bonus on up to £4,000/year (max £1,000 bonus). It can only be used to buy a first home or accessed at 60+. Early withdrawal penalty of 25% applies.

A Stocks & Shares ISA is best for 5+ year horizons. A Cash ISA offers FSCS-protected savings at a fixed or variable rate.