Answers · UK 2025/26
How much can I put in an ISA in 2026?
The ISA allowance for 2026/27 is £20,000, unchanged from the previous year. You can split this across a Cash ISA, Stocks and Shares ISA, Innovative Finance ISA and Lifetime ISA, though the Lifetime ISA is capped at £4,000 of that £20,000.
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For the 2026/27 tax year you can pay up to £20,000 into Individual Savings Accounts (ISAs). All interest, dividends and capital gains earned inside an ISA are completely tax-free, and you do not even declare them on a tax return. You can spread the £20,000 across the different ISA types in any combination: Cash ISA, Stocks and Shares ISA, Innovative Finance ISA and Lifetime ISA. Following recent rule changes you can now open and pay into more than one ISA of the same type in a single tax year, as long as the total across all of them stays within £20,000. The Lifetime ISA (LISA) is the exception with its own cap: you can pay in a maximum of £4,000 a year, and the government adds a 25% bonus on top — so a full £4,000 contribution earns a £1,000 bonus. That £4,000 counts towards your overall £20,000 limit, leaving £16,000 for other ISAs. Worked example: you could put £4,000 in a LISA (gaining a £1,000 bonus), £10,000 in a Stocks and Shares ISA and £6,000 in a Cash ISA, using the full £20,000. The allowance does not carry forward — use it or lose it by 5 April. There is a separate Junior ISA allowance of £9,000 for children, which is not part of your £20,000. ISA rules are UK-wide and identical in Scotland. Use the ISA and Savings calculators to project tax-free growth.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.