2026/27
ISA limits
- Adult ISA£20,000
- Junior ISA£9,000
- Lifetime ISA£4,000 + 25% government bonus
- Help to Buy ISA monthly subscription£200 Closed to new entrants since Nov 2019
ISA limits and allowances
Individual Savings Accounts (ISAs) let you save or invest free of income tax and capital gains tax, up to an annual subscription limit. There are cash ISAs, stocks and shares ISAs, Lifetime ISAs and Junior ISAs, each with their own rules. The tables above show the current limits.
ISAs are a simple, tax-free foundation for most savings plans. We can help you use them alongside pensions as part of a wider strategy.
Frequently asked
How much can I put in an ISA?+
Up to the annual ISA allowance across your ISAs (with a separate limit for Junior ISAs). See the current figures above.
Are ISA returns really tax-free?+
Yes — interest, dividends and gains inside an ISA are free of income tax and capital gains tax, and you do not report them.