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)

Make the most of tax-free investing in the UK. Our ISA guides and calculators help you grow your money efficiently.

ISA Guides & Calculators

ISA Calculator

Project how your ISA could grow over time with regular contributions.

ISA Guide

Cash ISAs, Stocks & Shares ISAs, and everything you need to know.

Lifetime ISA vs Help to Buy ISA

Compare the government bonus schemes for first-time buyers.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy