Kaip apskaičiuoti ISA

Kas yra ISA?

An ISA (Individual Savings Account) is a tax-free wrapper for savings and investments. Any growth, interest, or dividends earned within an ISA are completely free from Income Tax and Capital Gains Tax — forever. The annual allowance is £20,000 per person (2024/25). Unused allowance cannot be carried forward.

Formulė

FV

PV × (1+r)^n + PMT × ((1+r)^n − 1)/r — PV × (1+r)^n + PMT × ((1+r)^n − 1)/r

PV

PV value — Variable used in the calculation

PMT

PMT value — Variable used in the calculation

Žingsnis po žingsnio vadovas

1. 1Contribute up to £20,000 per tax year (April 6 – April 5)
2. 2Stocks and Shares ISA: invest in funds, shares, ETFs — suitable for 5+ year horizons
3. 3Cash ISA: earn interest tax-free — better than regular savings account for higher-rate taxpayers
4. 4Lifetime ISA (LISA): 25% government bonus on up to £4,000/year — for first home or retirement
5. 5Compound growth formula: FV = PV × (1+r)^n + PMT × ((1+r)^n − 1)/r

Worked Examples

Frequently Asked Questions