How much can I put into an ISA?

The annual ISA allowance is £20,000 (2025/26). You can split this across different ISA types (Cash ISA, Stocks & Shares ISA, Lifetime ISA, Innovative Finance ISA) but the total across all ISAs cannot exceed £20,000.

What is the difference between a Cash ISA and a Stocks & Shares ISA?

A Cash ISA is like a savings account—your money earns interest tax-free but returns are limited. A Stocks & Shares ISA invests in the market, offering higher potential returns (and risk) with all gains and dividends tax-free.

Is a Lifetime ISA worth it?

If you're saving for your first home (under £450,000) or retirement, the 25% government bonus makes a LISA excellent value. However, withdrawals for other purposes incur a 25% penalty, which actually results in a net loss.

Investing – ISA Guides & Calculators (UK)

By Wealthvieu · Updated March 15, 2026

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