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Free toolUpdated 9 November 2026

ISA allowance checker

See how much of your £20,000 ISA allowance is left before 5 April 2027, and get flagged if you go over.

Enter what you have paid in so far in the 2026/27 tax year, which ends on 5 April 2027. Leave any you do not have blank.

Up to £4,000 a year, and it counts towards your £20,000.

Your 2026/27 ISA allowance

Left to use

£12,000

of £20,000

  • Cash ISA£5,000
  • Stocks and shares ISA£3,000
  • Lifetime ISA£0
  • Innovative finance ISA£0

Any allowance you do not use by 5 April 2027 is lost. It does not roll over.

The cash ISA U-turn

From April 2027, under-65s were due to be limited to £12,000 a year in cash ISAs. The Budget on 28 October 2026 reversed that, so the cash ISA limit stays at £20,000 for all adults. If you held off topping up a cash ISA because of the change, you no longer need to.

Why it matters more from April 2027

The same Budget raises income tax on savings interest above your Personal Savings Allowance by four percentage points from 6 April 2027: 24% for basic rate taxpayers, 44% for higher rate and 49% for additional rate. Interest inside an ISA stays tax free, so using your allowance is worth more than before.

Cash or stocks and shares?

  • Keep money you might need within five years, including your emergency fund, in cash.
  • Consider investing money you will not need for at least five years, if you are comfortable with it going down as well as up.
  • New to investing? Start with how to start investing.

When you invest your capital is at risk and you may get back less than you put in.

Questions

Common questions

Is the cash ISA limit still going down to £12,000?

No. The October 2026 Budget reversed the planned cut, so you can still put the full £20,000 into cash ISAs from April 2027, whatever your age.

What is the ISA allowance for 2026/27?

£20,000 across all your ISAs, for the tax year from 6 April 2026 to 5 April 2027. You can split it between cash, stocks and shares, Lifetime and innovative finance ISAs however you like.

Does a Lifetime ISA count towards my £20,000?

Yes. You can pay up to £4,000 a year into a Lifetime ISA and it uses that much of your £20,000. The 25% government bonus does not count towards the limit.

What happens if I do not use my ISA allowance?

It is lost at the end of the tax year on 5 April. Unused allowance does not carry over to the next year.

Can I have more than one ISA of the same type?

Yes. Since April 2024 you can pay into more than one cash ISA or stocks and shares ISA in the same tax year, as long as the total stays within £20,000.

Sources

This tool gives an estimate for general information. It is not tax advice. Check your own position on GOV.UK or with an accountant.