ISA Allowance Tracker Calculator 2026
Track your ISA allowance usage across Cash ISA, Stocks & Shares ISA, Innovative Finance ISA, and Lifetime ISA. Annual limit £20,000 (LISA counts £4,000 within this).
ISA Annual Allowance Tracker 2025/26
You can put up to £20,000 into ISAs in 2025/26 (6 April 2025 – 5 April 2026). Split any way you like across different ISA types, except the Lifetime ISA which is capped at £4,000 within the £20,000.
Frequently Asked Questions
What is the ISA allowance for 2025/26?
£20,000 per person per tax year (unchanged since 2017/18). You can split this across any combination of Cash ISA, Stocks & Shares ISA, Innovative Finance ISA, and Lifetime ISA (LISA capped at £4,000).
Can I have multiple ISAs in the same year?
Yes — since April 2024, you can subscribe to multiple ISAs of the same type in the same tax year. Previously you could only open one of each type per year. The £20,000 total limit still applies.
What happens if I exceed my ISA allowance?
Excess ISA subscriptions are void — HMRC will remove them and may charge interest and penalties. Always track your contributions carefully, especially if you have multiple ISA accounts.
Does the Lifetime ISA count toward the £20,000 limit?
Yes — Lifetime ISA contributions of up to £4,000/year count within your £20,000 annual ISA allowance. So if you contribute £4,000 to a LISA, you have £16,000 remaining for other ISAs.
Can I transfer ISAs without using my annual allowance?
Yes — ISA transfers (between providers or types) do not use your annual allowance. You can transfer existing ISA savings freely. However, you cannot transfer a Lifetime ISA to another ISA type without paying the withdrawal penalty.
What is a Flexible ISA?
A Flexible ISA allows you to withdraw and re-subscribe money in the same tax year without losing your allowance. For example, with a Flexible Cash ISA, if you put in £10,000 then withdraw £5,000, you can put in up to £15,000 more (not just £10,000). Not all ISAs are flexible — check with your provider.
Do Junior ISAs count toward the adult £20,000 limit?
No — Junior ISAs have a separate £9,000/year allowance (2025/26) and do not affect the adult ISA limit. Parents/guardians manage the Junior ISA but the money belongs to the child.
What is the Innovative Finance ISA?
An Innovative Finance ISA (IFISA) holds peer-to-peer loans and crowdfunding investments within the ISA wrapper. Returns (interest and investment gains) are tax-free. IFISA investments carry significantly higher risk than Cash ISAs.