FullWorkings UK tax and finance calculators

ISA allowance

2026-27

This tax year

Paid into ISAs so farCash, stocks and shares, innovative finance — everything except a Lifetime ISA. £
Paid into a Lifetime ISACounted separately here because it has its own smaller limit — but it comes out of the same allowance. £
Paid into a Junior ISAThe child's own allowance, entirely outside yours. £

What is left

ISA allowance remaining £0.00 this tax year
Where you stand—
Your allowance£0.00
Used so far£0.00

Lifetime ISA

Payment limit£0.00
Room left in it£0.00
Government bonus earned£0.00

Junior ISA

The child's limit£0.00
Room left in it£0.00
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How this is worked out

You get one ISA allowance a year across all your accounts. ⚠ The Lifetime ISA is inside it, and the Junior ISA is outside it — and mixing those two up is the whole of the confusion.

⚠ A Lifetime ISA does not buy extra room

gov.uk is explicit that the Lifetime ISA limit counts toward your annual ISA limit. Paying the full amount into one leaves that much less for everything else. Treating it as a separate allowance overstates what you can save by the whole limit, and it is a mistake that only shows up when a provider rejects a payment in March.

The government bonus is added on top and does not use any allowance. It is paid on what you put in, not on what the account is worth.

A Junior ISA is the child's

It sits entirely outside your own allowance, so a parent paying the full amount into one has used none of their own. Anyone can pay into it, but the total across everyone is what is capped — and the money belongs to the child at 18, which is a decision rather than a calculation.

Unused allowance does not carry forward

Unlike the pension annual allowance, an ISA allowance is gone at midnight on 5 April. That is the only real deadline in personal saving and it is why the accounts fill up in the first week of April and the last week of March.

What this does not cover

Flexible ISAs, where money taken out and replaced in the same tax year does not use the allowance twice — which changes this calculation materially if you have one. Transfers between providers, which do not use any allowance at all as long as they are done as transfers rather than by withdrawing and repaying. The Help to Buy ISA, closed to new savers. Withdrawal charges on a Lifetime ISA taken out for anything other than a first home or retirement, which can leave you with less than you put in. And the age limits on opening and paying into each type.

Where these figures come from

Every figure above is read from a dated rate file rather than written into the page, and each one is checked against the gov.uk page it came from. How these numbers are kept right sets out the whole process.

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