Answers · UK 2025/26
What is the ISA allowance for 2025/26?
The total ISA allowance for 2025/26 is £20,000 per person. This is split across any combination of Cash ISA, Stocks & Shares ISA, Innovative Finance ISA and Lifetime ISA. Lifetime ISA contributions are capped at £4,000 within the £20,000 limit. Junior ISA allowance is £9,000.
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For the 2025/26 tax year (6 April 2025 to 5 April 2026), the annual ISA allowance is £20,000 per individual. You can split it any way you like across the four ISA types — for example £4,000 into a Lifetime ISA, £6,000 into a Cash ISA and £10,000 into a Stocks & Shares ISA. The Lifetime ISA has its own £4,000 sub-limit, which sits inside the £20,000 total. Since April 2024 you can pay into multiple ISAs of the same type within one tax year (e.g. two Cash ISAs with different providers), as long as you do not exceed £20,000 across all subscriptions. Junior ISAs (for under-18s) have a separate £9,000 annual allowance. Allowances do not roll over — if you do not use it before 5 April, it is gone.
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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.