ISA Tracker: Know Your Allowance
The ISA tax year runs 6 April → 5 April. Use the £20,000 annual allowance or lose it — there's no carry-forward. This free calculator shows how much you have left before the deadline.
2025/26 ISA allowance calculator
Sum across all adult ISA wrappers (Cash, Stocks & Shares, IF, LISA) since 6 April 2025.
Annual allowance
£20,000
Used
£8,000
Remaining
£12,000
How the ISA allowance works
An ISA (Individual Savings Account) is the UK's headline tax-free wrapper. Every UK resident over 18 gets a £20,000 annual subscription limit. Capital gains, dividend income, and interest earned inside an ISA are completely free of UK tax — no Self Assessment line, no dividend allowance used, no CGT exemption consumed.
The allowance resets every 6 April and unused room does not carry forward. If you only contribute £5,000 in 2025/26, the £15,000 you didn't use is gone forever — there's no equivalent of the Canadian TFSA's accumulating room.
Since 6 April 2024, you can subscribe to multiple ISAs of the same type in the same tax year. So you can split contributions between Hargreaves Lansdown and Trading 212 and Freetrade in a single year — useful for diversifying providers or chasing rate / fee differences. The LISA still has its £4,000 sub-limit, and only one LISA can be funded per tax year.
Flexible vs non-flexible ISAs
Some ISAs are flexible, meaning withdrawals can be replaced in the same tax year without using fresh allowance. Others are not. Non-flexible withdrawals permanently consume the allowance: take £5,000 out in November, and you can still only contribute £20,000 total for the year — the £5,000 doesn't come back. Always check the small print before withdrawing.
Stocks & Shares ISAs at most major brokers (Hargreaves Lansdown, AJ Bell, Interactive Investor) are not flexible. Cash ISAs from high-street banks vary. If flexibility matters for you, ask the provider directly before opening.
How WealthWatch tracks ISA contributions
Connect your UK broker — Hargreaves Lansdown, AJ Bell, Vanguard UK, Trading 212, Freetrade, Interactive Investor — via WealthWatch's broker connections. We tag each cash deposit into an ISA-flagged account as a contribution toward the £20,000 limit and surface a running total on the dashboard. As you approach the limit we warn before each subsequent contribution; if you have a LISA, we track the £4,000 sub-limit separately.
For users with both a Cash ISA and a Stocks & Shares ISA, WealthWatch sums across both — HMRC's rule is one combined allowance, and that's how the tracker treats it.