Updated May 2026£20,000 ISA allowanceFree · No signup
Your ISA details
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Maximum ISA allowance: £20,000 per tax year.
£
Stocks & Shares ISA
Cash ISA
Lifetime ISA (LISA) — 25% bonus
S&S ISA historical avg: ~7%/yr. Cash ISA: ~4-5% currently.
About ISA allowances 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.
Projected ISA value
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after 10 years
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total gain
Contributions
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Tax-free growth
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LISA bonus
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Annual income (4%)
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VG
Vanguard — Low-Cost Stocks & Shares ISA
UK's most trusted index fund provider. From £500, ultra-low annual fees.
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HL
Hargreaves Lansdown — ISA & SIPP Platform
UK's largest investment platform. Wide fund choice, award-winning app.