ISA Allowance 2025/2026
Track exactly how much of your £20,000 annual ISA allowance you’ve used across Cash, Stocks & Shares, Lifetime and Innovative Finance ISAs — and see how much is left before the tax year ends.
Track Your ISA Allowance
Every UK adult gets a £20,000 ISA allowance each tax year, which can be split across different ISA types. Enter what you’ve paid in so far to see exactly how much allowance you have left before it resets on 6 April.
How the ISA Allowance Works
Understanding the 2025/2026 limits
One Overall Limit of £20,000
The £20,000 allowance for 2025/2026 applies across all your ISAs combined, not per account — you choose how to split it between Cash, Stocks & Shares, Innovative Finance and Lifetime ISAs.
The Lifetime ISA Sub-Limit
You can pay a maximum of £4,000 into a Lifetime ISA each year. This £4,000 counts towards your overall £20,000 allowance rather than sitting on top of it.
Multiple ISAs Are Allowed
Since April 2024, you can pay into more than one ISA of the same type in a single tax year, as long as your combined contributions stay within the £20,000 limit.
The Allowance Resets Each Year
Unused allowance does not carry forward. It resets to £20,000 on 6 April at the start of each new tax year, so any portion left unused by 5 April is lost.
ISA Allowance Tracker
Enter what you’ve paid in so far this tax year
ISA Types at a Glance
A summary of the main ISA types available for the 2025/2026 tax year and how each one counts towards your allowance.
| ISA Type | Best For | Own Sub-Limit | Min. Age |
|---|---|---|---|
| Cash ISA | Tax-free savings interest | Shares £20,000 limit | 18 |
| Stocks & Shares ISA | Long-term investing | Shares £20,000 limit | 18 |
| Innovative Finance ISA | Peer-to-peer lending returns | Shares £20,000 limit | 18 |
| Lifetime ISA | First home or retirement, with 25% bonus | £4,000 per year | 18–39 to open |
| Junior ISA | Saving for a child | £9,000 per year (separate) | Under 18 |
ISA Allowance FAQ
Answers to the most frequently asked questions about the ISA allowance for the 2025/2026 tax year.
The overall ISA allowance for the 2025/2026 tax year is £20,000. This can be split across Cash ISAs, Stocks and Shares ISAs, Innovative Finance ISAs and Lifetime ISAs in any combination, as long as the total paid in does not exceed £20,000.
Yes. Since April 2024, savers can pay into multiple ISAs of the same type in a single tax year, as well as across different ISA types, provided the combined total across all of them stays within the £20,000 annual allowance.
You can pay a maximum of £4,000 into a Lifetime ISA each tax year, and this £4,000 counts towards your overall £20,000 ISA allowance rather than being an amount on top of it. The government adds a 25% bonus on contributions made.
Unused ISA allowance does not roll over or carry forward. It resets on 6 April each year, so any portion of the £20,000 limit not used by the end of the tax year on 5 April is lost permanently.