Junior ISA Calculator

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Junior ISA Calculator

See how much your child’s Junior ISA could be worth by the time they turn 18, based on your current balance, monthly contributions, and expected growth rate.

🧸 Instant Projection
📈 Compound Growth
🎂 Age 18 Payout
📱 Mobile Friendly

Project Your Child’s JISA Growth

A Junior ISA lets you save or invest tax-free on behalf of a child, with the funds locked away until they turn 18. Use this calculator to see how regular contributions could add up over time.

How the Projection Works

Five steps from today’s balance to age 18

1

Enter the Current Balance

Start with whatever is already saved in the Junior ISA, or enter zero if the account is being opened for the first time.

2

Add a Monthly Contribution

Enter how much you expect to pay in each month, combining contributions from parents, grandparents, or anyone else paying in.

3

Set the Child’s Current Age

This determines how many years of contributions and growth remain until the account automatically becomes theirs at 18.

4

Choose an Expected Growth Rate

Cash JISAs typically assume a lower, steadier rate, while a Stocks and Shares JISA might assume a higher rate to reflect its investment risk and potential.

5

Review the Projected Value

See the estimated total at age 18, along with how much of that comes from contributions versus estimated growth.

⚠️ A Projection, Not a Promise: This calculator assumes a constant growth rate for simplicity. Real returns, especially on a Stocks and Shares JISA, will vary year to year and are never guaranteed.
£
£
%
Projected Value at 18 £0.00
Total Contributions £0.00
Estimated Growth £0.00
Years Until Age 18 0
💡 Note: Growth is calculated monthly and compounded, so contributions made earlier in childhood have longer to grow than those made closer to age 18.

Monthly Contributions at a Glance

Illustrative projections starting from birth, assuming a 4% annual growth rate and no existing balance.

Monthly Contribution Total Paid In (18 yrs) Estimated Growth Estimated Value at 18
£25£5,400£1,975£7,375
£50£10,800£3,950£14,750
£100£21,600£7,900£29,500
£200£43,200£15,800£59,000
£333 (near max)£71,928£26,330£98,258

Junior ISA FAQ

Answers to the most frequently asked questions about Junior ISAs and how they grow.

The Junior ISA allowance is set each tax year and applies per child, combined across a Cash JISA and Stocks and Shares JISA if both are held. Check the current government guidance for the exact figure, as it can change annually.

Anyone can contribute to a child’s Junior ISA, including parents, grandparents, other family members, and friends, as long as total contributions across the tax year stay within the annual allowance.

No, in almost all cases funds in a Junior ISA are locked until the child turns 18. Early withdrawal is only permitted in exceptional circumstances, such as a terminal illness diagnosis.

At 18, a Junior ISA automatically converts into an adult ISA, and the funds become the child’s own to access and manage as they wish.

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