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ISA Calculator
Calculate your Stocks & Shares ISA or Cash ISA returns. See how your £20,000 annual allowance grows tax-free.
💰ISA Details
£1,000
Annual ISA allowance: £20,000 (£1,667/month max)
£5,000
8%
20 years
ISA Value£618K
Contributed
£245K
Tax-Free Growth
£373K
Contributions vs Growth
ISA Growth Over Time
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Key Features
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Tax-Free Returns
All gains, dividends, and interest inside an ISA are completely tax-free.
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S&S vs Cash ISA
Compare Stocks & Shares ISA returns vs Cash ISA with different rates.
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UK Specific
Uses the £20,000 annual ISA allowance for accurate UK projections.
How to Use
1
Choose ISA Type
Select Stocks & Shares ISA or Cash ISA.
2
Set Contribution
Enter monthly amount (max £1,667/month = £20K/year).
3
Set Return Rate
Typical: 6-10% for S&S ISA, 3-5% for Cash ISA.
4
View Growth
See tax-free ISA value and growth breakdown.
Formula Used
FV = PV(1+r)^n + PMT × [((1+r)^n - 1) / r]FV= Future ISA value
PV= Current ISA balance
PMT= Monthly contribution
r= Monthly rate of return
n= Total months
Frequently Asked Questions
An ISA (Individual Savings Account) is a UK tax wrapper that allows you to save or invest up to £20,000 per year completely tax-free. No tax on interest, dividends, or capital gains.