Compliance Level 4: Financial Projection
Forward-looking estimates with assumptions
See how much tax you save by growing your savings inside a tax-free ISA versus a taxable account.
Annual allowance: £20,000.00
What if you kept going for 5 more years?
+£90,702.30 tax saved →Important Disclaimer
This calculator provides estimates for educational purposes only. Results are based on the inputs you provide and standard financial formulas. They do not constitute financial, investment, tax, or legal advice. Consult a qualified professional before making financial decisions.
The annual ISA allowance is £20,000.00 for the 2025/26 tax year. You can split this across different types of ISA (cash, stocks & shares, etc.), but the combined total can't exceed the allowance.
Tax on gains and dividends compounds negatively the same way growth compounds positively — a small annual tax drag erodes an increasing amount of value each year as your balance grows, which is why the gap between an ISA and a taxable account widens over long time horizons.
Not necessarily — the UK has separate tax-free allowances for dividends and capital gains outside an ISA too, though they've shrunk substantially in recent years. High-balance, long-term investors are the ones who benefit most from ISA tax-free growth.
Yes — the annual allowance doesn't roll over. Unused allowance from this tax year is gone once the new tax year starts on 6 April.
Savings Goal Calculator
Calculate how much to save monthly to reach your financial goal
Try itEmergency Fund Calculator
Find your target emergency fund and how long it will take to build it
Try itAd space
Ad space
Important Disclaimer
This calculator provides estimates for educational purposes only. Results are based on the inputs you provide and standard financial formulas. They do not constitute financial, investment, tax, or legal advice. Consult a qualified professional before making financial decisions.