Answers · UK 2025/26
How much can I put in an ISA per year UK 2025/26?
The total ISA allowance for 2025/26 is £20,000. You can split this across any combination of Cash ISA, Stocks & Shares ISA, Innovative Finance ISA and Lifetime ISA (maximum £4,000 to a LISA, which counts towards your £20,000). Junior ISA (JISA) has a separate £9,000 allowance.
Full answer
ISA allowance breakdown 2025/26: total across all adult ISAs £20,000. Within that: Cash ISA — up to £20,000; Stocks & Shares ISA — up to £20,000; Innovative Finance ISA — up to £20,000; Lifetime ISA — up to £4,000 (counts towards overall £20k; 25% bonus from government on contributions = max £1,000 bonus). Junior ISA (JISA): separate £9,000 limit for under-18s — either cash or stocks & shares. You can hold multiple ISAs of different types but cannot subscribe to two of the same type in the same year. From April 2024 you can subscribe to multiple ISAs of the same type in a tax year — ending the one-of-each restriction. ISA returns (interest, dividends and capital gains) are always tax-free regardless of amount. Unused allowance cannot be carried forward; it resets on 6 April.
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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.