How does the ISA Calculator work?

Contribute up to £20,000 per tax year (April 6 – April 5) Then: Stocks and Shares ISA: invest in funds, shares, ETFs — suitable for 5+ year horizons Then: Cash ISA: earn interest tax-free — better than regular savings account for higher-rate taxpayers Then: Lifetime ISA (LISA): 25% government bonus on up to £4,000/year — for first home or retirement.

Can you give an example of how to use the ISA Calculator?

Example: Input £500/month for 20 years at 7% return gives a result of ~£248,000 projected (£120,000 contributed, £128,000 tax-free growth).

Is the ISA Calculator free to use?

Yes — completely free with no registration, download, or subscription required. All calculations happen instantly in your browser.

How accurate is the ISA Calculator?

Our ISA Calculator uses verified mathematical formulas and is accurate to multiple decimal places. Results are calculated in real-time using the same methods used by professionals.

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ISA Calculator

ISA Calculator (Stocks & Shares)

Monthly contribution (£)

Annual return (%)

Years to invest

Existing ISA balance (£)

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.

Symbol	Name	Unit	Description
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

ISA Type	Annual Limit	Tax on Growth	Best For
Cash ISA	£20,000	None	Short-term savings, high earners
Stocks & Shares ISA	£20,000	None	Long-term wealth building
Lifetime ISA	£4,000	None + 25% bonus	First home / retirement (under 40)
Innovative Finance ISA	£20,000	None	Peer-to-peer lending (higher risk)
Junior ISA	£9,000	None	Saving for children

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Pro Tip

The Lifetime ISA (LISA) bonus of 25% on contributions up to £4,000 = £1,000 free per year. However, withdrawing for any reason other than first home purchase or retirement (age 60+) incurs a 25% government withdrawal charge — effectively a loss.

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ISA Calculator

ISA Calculator (Stocks & Shares)

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ISA Calculator (Stocks & Shares)