Finance calculator
United Kingdom - Tax year 2026/27ISA Allowance Calculator
Track UK ISA contributions, remaining annual allowance, planned contribution room, and Lifetime ISA bonus estimate.
Formula
UK ISA allowance tracker
This calculator tracks allowance amounts only. It excludes age eligibility, provider rules, flexible ISA replacements, withdrawal charges, Junior ISA, and investment performance.
Remaining allowance = annual ISA allowance - current subscriptions - allowed planned contribution
If 10,000 has already been subscribed and you plan another 8,000, the remaining adult ISA allowance is 2,000.
Sources and assumptions
UK ISA allowance source notes
This profile covers a simple UK ISA allowance tracker using the annual adult ISA allowance and Lifetime ISA annual limit. It estimates remaining allowance and the Lifetime ISA government bonus on eligible planned contributions.
- Effective year
- Tax year 2026/27
- Last verified
- 2026-05-29
This calculator tracks allowance amounts only. It excludes age eligibility, provider rules, flexible ISA replacements, withdrawal charges, Junior ISA, and investment performance.
Official and reference sources
Assumptions
- The adult ISA annual allowance is treated as 20,000 for the tax year.
- The Lifetime ISA contribution cap is treated as 4,000 within the overall ISA allowance.
- The Lifetime ISA government bonus is estimated at 25% of eligible Lifetime ISA contributions.
- Current subscriptions entered by the user are assumed to count toward the same tax year allowance.
Not included
- Age eligibility, first home and retirement withdrawal conditions, withdrawal charges, flexible ISA replacement rules, and product provider restrictions.
- Junior ISA, Child Trust Fund transfers, inherited ISA allowance, and non-UK resident subscription restrictions.
- Investment performance, fees, tax advice, and HMRC reporting adjustments.
FAQs
Does Lifetime ISA count toward the ISA allowance?+
Yes. Lifetime ISA subscriptions count within the overall adult ISA allowance and also have a separate annual Lifetime ISA cap.
Does this check whether I am eligible for a Lifetime ISA?+
No. It estimates allowance and bonus amounts only; age and withdrawal rules must be checked separately.
How does the ISA Allowance Calculator calculate the result?+
It uses the UK ISA allowance tracker: Remaining allowance = annual ISA allowance - current subscriptions - allowed planned contribution. If 10,000 has already been subscribed and you plan another 8,000, the remaining adult ISA allowance is 2,000.
What information do I need to use the ISA Allowance Calculator?+
Track UK ISA contributions, remaining annual allowance, planned contribution room, and Lifetime ISA bonus estimate.
How accurate is the ISA Allowance Calculator?+
ISA Allowance Calculator applies the formula and assumptions shown on this page. Results may be rounded for readability, so verify changing rates, thresholds, medical guidance, or legal rules with the cited source or a qualified professional.
What should I check before using the ISA Allowance Calculator result?+
Check that the units, dates, rates, and assumptions match your situation. Change one input at a time to understand which values have the largest effect on the result.
Finance guide
How to use the ISA Allowance Calculator
Track UK ISA contributions, remaining annual allowance, planned contribution room, and Lifetime ISA bonus estimate. The page also explains the UK ISA allowance tracker and shows a practical example: If 10,000 has already been subscribed and you plan another 8,000, the remaining adult ISA allowance is 2,000.
- 1
Enter your details
Enter the values for the isa allowance calculator scenario you want to check.
- 2
Check the calculation
Review the result alongside the UK ISA allowance tracker: Remaining allowance = annual ISA allowance - current subscriptions - allowed planned contribution.
- 3
Compare scenarios
Change one or more inputs to see how they affect the ISA Allowance Calculator result before you use the estimate.
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