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ISA allowance checker

Add up what you've paid into ISAs this tax year to see how much of your £20,000 allowance is left, how long you have until 5 April, and how the £12,000 cash ISA limit from April 2027 affects you.

Uses 2026/27 rates and allowances · Figures checked against official sources on 11 October 2026

Paid in so far this tax year (£)

Count only new money paid in, not growth or transfers of earlier years' savings. Nothing you enter leaves your browser.

Allowance left
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Used so far
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Days until 5 April
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Monthly to use it all
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Lifetime ISA left
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Cash ISA room
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    How the ISA allowance works

    Every adult can pay up to £20,000 into ISAs each tax year, which runs from 6 April to 5 April. You can split it however you like across cash, stocks and shares, innovative finance and Lifetime ISAs, and since April 2024 you can pay into more than one ISA of the same type in a year. Only one Lifetime ISA can be paid into each year, and its £4,000 limit counts towards your £20,000. Anything you don't use by 5 April is lost: there's no way to carry it forward.

    The checker works out which tax year you're in from today's date, so it always counts down to the right 5 April.

    Worked example

    On 11 October 2026, someone has paid £3,000 into a cash ISA, £5,000 into a stocks and shares ISA and £2,000 into a Lifetime ISA. They've used £10,000 and have £10,000 left, of which up to £2,000 can still go into the Lifetime ISA (earning up to £500 more in bonus). With 176 days and about 6 monthly payment dates left before 5 April 2027, they'd need to pay in about £1,667 a month to use the full allowance.

    What counts towards your allowance?

    The cash ISA limit from April 2027

    From 6 April 2027, under-65s can only put £12,000 a year into cash ISAs. The overall allowance stays £20,000, so the rest can go into stocks and shares or other non-cash ISAs. If you turn 65 at any point in a tax year, the higher £20,000 cash limit applies for that whole year: the rules give the £12,000 limit to anyone who is 64 or under at the end of the tax year on 5 April. Under-65s also won't be able to move money from a stocks and shares ISA into a cash ISA. If you enter your date of birth, the checker applies the right cash limit for this tax year and the next. Nothing changes for 2026/27.

    What if you've paid in too much?

    If you go over £20,000, tell your ISA provider as soon as you notice. In the same tax year they can usually remove the extra and any gains on it. Income and gains on the excess aren't tax-free. For earlier years, HMRC normally writes to you first. Because no single provider can see what you've paid in elsewhere, it's worth keeping your own running total, which is what this checker is for.

    For the full rules, see our guides to the ISA allowance, Lifetime ISAs and Junior ISAs.

    Embed this calculator

    You're welcome to use this calculator on your own website or blog, free of charge. Copy the code below and paste it into your page. It runs in its own frame, sets no cookies and collects no data from your visitors, and it updates automatically when the tax rules change.

    Sources

    This calculator gives illustrations based on the figures you enter and the tax rules shown. It isn't personal financial advice. Our guides are general information and education, not personal financial advice. If you are unsure whether an investment is right for you, speak to a regulated financial adviser.

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