UK ISA Allowance Calculator 2026/27
Track UK ISA contributions against the £20,000 annual allowance across all ISA types — Cash, Stocks & Shares, Lifetime, and Innovative Finance ISAs. Includes 2026/27 limits and remaining allowance.
| Cash ISA contributions | — |
| Stocks & Shares ISA | — |
| Lifetime ISA | — |
| Innovative Finance ISA | — |
| Total used 2026/27 | — |
| Annual allowance (2026/27) | — |
| Remaining headroom | — |
The UK ISA allowance is £20,000 per tax year (6 April–5 April) across all ISA types combined. Contributions to Cash ISA, Stocks & Shares ISA, Lifetime ISA, and Innovative Finance ISA all count toward the same £20,000 cap. Lifetime ISA has an additional £4,000 annual sub-cap and receives a 25% government bonus.
ISA Allowance Rules 2026/27
Total annual allowance: £20,000 per tax year (unchanged since 2017/18). Lifetime ISA sub-cap: £4,000 per year (counts toward overall £20K) — receives 25% government bonus (up to £1,000/year). Junior ISA: separate £9,000 allowance for children under 18.
Use or Lose
The ISA allowance does NOT carry forward. Unused allowance at the end of the tax year (5 April) is gone forever. Higher-earners should automate maximum monthly contributions to use the full allowance.
Lifetime ISA — Best Use Cases
LISA gets a 25% government bonus on contributions up to £4,000/year (max £1,000 bonus/year). Eligible for first-home purchase (£450K max property value, after age 60 for retirement). 25% withdrawal penalty for non-qualifying withdrawals = you actually lose money vs principal. Best for under-40s saving for first home or supplementing pension.
Last updated May 2026. Sources: GOV.UK ISA Allowance, HMRC ISA Manager Guide.