ISA Allowance Tracker

Track your ISA contributions for the 2026/27 tax year. See your remaining allowance, LISA bonus, and how much you need to save monthly to use your full £20,000 allowance.

Your ISA contributions 2026/27
The total ISA allowance for 2026/27 is £20,000. You can split this across different ISA types, but the combined total cannot exceed £20,000.
LISA max: £4,000/yr. Government adds 25% bonus (max £1,000/yr). Age 18–39 to open.
Planning
ISA allowance tracker
Remaining allowance
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Total ISA allowance 2026/27£20,000
Already contributed -
LISA government bonus (25%) -
Monthly to use allowance fully -
Allowance used -

Breakdown by ISA type

Cash ISA -
Stocks & Shares ISA -
Lifetime ISA -
Innovative Finance ISA -

Understanding ISA allowances in 2026/27

Every UK adult has an annual ISA allowance of £20,000 in 2026/27. This can be split across different ISA types in any combination, but the combined total across all ISAs must not exceed £20,000. The allowance resets on 6 April each year and cannot be carried forward - unused allowance in 2026/27 is permanently lost after 5 April 2026.

The Lifetime ISA and its 25% bonus

The LISA allows contributions of up to £4,000 per year (which counts toward the overall £20,000 ISA allowance), with the government adding a 25% bonus - up to £1,000 per year. The bonus is paid monthly by HMRC and is immediately invested in your chosen provider. LISAs can be used to buy a first home (on properties up to £450,000) or accessed in retirement from age 60. Withdrawing for any other reason incurs a 25% withdrawal penalty, which effectively returns the bonus plus a small additional charge on your own contributions - so LISAs should only be opened with a clear first home or retirement purpose.

Cash ISA versus Stocks and Shares ISA

A Cash ISA earns interest tax-free at rates currently around 4–5% AER. A Stocks and Shares ISA invests in equities, bonds or funds with no tax on gains or income. Over short periods (under 3 years), a Cash ISA is lower risk and more appropriate for money you may need. Over longer periods (5+ years), a Stocks and Shares ISA has historically delivered significantly better returns despite short-term volatility. Many financial advisers recommend holding both - cash for short-term goals, stocks and shares for long-term wealth building.

Frequently asked questions

From 6 April 2024, you can now contribute to multiple ISAs of the same type in one tax year, provided the combined total does not exceed the annual £20,000 allowance. This reversed the previous rule which restricted you to one ISA of each type per year. You can now open and contribute to a Cash ISA with one provider and a Stocks and Shares ISA with another simultaneously, or split Cash ISA contributions across multiple providers.
The Junior ISA (JISA) allowance is separate from the adult ISA allowance and stands at £9,000 in 2026/27. JISAs can be Cash or Stocks and Shares and are held in the child's name. The child cannot access the money until they turn 18, at which point the JISA converts automatically to an adult ISA. Parents, grandparents and other family members can all contribute, up to the £9,000 annual limit.
For most ISAs, withdrawals do not restore your allowance - if you have contributed £15,000 and then withdraw £5,000, your remaining allowance is still £5,000 (not £10,000). The exception is a Flexible ISA - some Cash ISA providers offer a flexible version that allows withdrawn amounts to be replaced in the same tax year. Check whether your ISA is flexible before assuming you can re-deposit withdrawn funds.

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