Answers · UK 2025/26
What is the ISA allowance for 2026/27?
The annual ISA allowance is £20,000 for 2026/27, shared across all ISA types. The Lifetime ISA sub-limit is £4,000 within that £20,000. Junior ISA has a separate £9,000 allowance.
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For 2026/27 every UK adult can save or invest up to £20,000 across all ISAs in a single tax year. The allowance covers Cash ISAs, Stocks and Shares ISAs, Innovative Finance ISAs and Lifetime ISAs in any combination. The Lifetime ISA has its own cap of £4,000 per year (which sits inside the £20,000 total), and contributions attract a 25% government bonus of up to £1,000. Junior ISAs — for children under 18 — have a separate £9,000 annual limit that does not count toward the adult allowance. Since April 2024 you may subscribe to multiple ISAs of the same type in one tax year. Allowances do not carry forward — any unused amount is lost when the tax year ends on 5 April. Use the ISA calculator to project growth across different ISA types.
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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.