Plan how to split your £20,000 annual ISA allowance across Cash, Stocks & Shares, Lifetime and Innovative Finance ISAs — with your Lifetime ISA bonus and over-limit warnings. Free PDF plan.
This tracker is a guide only and not financial advice. The £20,000 ISA allowance and £4,000 Lifetime ISA limit reflect current UK rules for tax year 2026/27 and can change. Lifetime ISA withdrawals not used for a first home or after age 60 may incur a 25% government charge.
Every UK adult can pay up to £20,000 into ISAs each tax year, and any interest or investment growth inside an ISA is completely free of UK tax. This tracker helps you plan how to split that £20,000 across a Cash ISA, a Stocks & Shares ISA, a Lifetime ISA and an Innovative Finance ISA — and warns you the moment you go over a limit.
Enter what you plan to put into each ISA type. The tracker shows how much allowance you have used, how much is left before 5 April, and the 25% government bonus your Lifetime ISA earns (up to £1,000 a year on the £4,000 limit). Because allowance does not roll over to the next year, the tracker makes it easy to use it before you lose it.
Not sure where to put each pot? Compare the best Stocks & Shares ISA platforms for long-term growth, read our Lifetime ISA guide if you are saving for a first home, or check a top Cash ISA for tax-free savings.