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ISA Allowance Tracker

See how much of your £20,000 allowance is left, across every type of ISA you hold.

2026/27 tax year

Enter what you’ve paid into each type of ISA since 6 April 2026. Use new subscriptions, not current balances, interest, investment growth or formal provider-to-provider transfers. Flexible withdrawals and replacements need a separate check against your provider’s records; this simple tracker does not model them.

Cash ISAVariable & fixed rate cash ISAs.

Stocks & Shares ISAFunds, ETFs, individual shares.

Lifetime ISACounts toward the £20k total. Max £4,000/year on its own.

Innovative Finance ISAPeer-to-peer lending ISAs.

Example: contributions are not account balances

Suppose you pay £7,000 into a cash ISA, £5,000 into a stocks and shares ISA and £3,000 into a Lifetime ISA this tax year. You have used £15,000, leaving £5,000 overall and £1,000 of the Lifetime ISA payment limit. A government LISA bonus is not your own subscription.

If an older ISA worth £12,000 moves through the official transfer process, do not enter that £12,000 as a new subscription. Interest and investment growth also do not belong in these boxes.

Read how to transfer an ISA and the official withdrawal guidance. This calculation checks totals, not eligibility, flexible replacements or provider acceptance.

Example and instructions checked 18 September 2026.

How this is worked out

The total ISA allowance for the 2026/27 tax year is £20,000. It applies across all adult ISAs you hold — the £20,000 is shared, not per account.

The Lifetime ISA has its own annual cap of £4,000 within that £20,000, and HMRC pays a 25% bonus on contributions up to that cap.

Junior ISAs are separate (£9,000/year for under-18s) and aren’t counted here.

Before using this estimate

Enter new subscriptions for 6 April 2026 to 5 April 2027, not total balances or provider-to-provider transfers. It does not connect to bank records.

Check the source guidance

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Educational only. Not personal financial advice. Tax-year figures may change; check periodically.

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Tax year 2026/27 · Tax and loan constants checked 16 September 2026 · Educational only, not personal financial advice