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Savings and investing
ISA allowance
Check remaining 2026/27 adult ISA subscription room and whether a planned payment would exceed it.
Open calculatorUK / 2026/27
ISA allowance calculator
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Remaining adult ISA allowance
| Already subscribed | £10,000.00 |
|---|---|
| Planned contribution | £5,000.00 |
| Allowance after planned contribution | £5,000.00 |
| Excess subscriptions including plan | £0.00 |
| Lifetime ISA room within overall allowance | £2,000.00 |
2026/27 adult subscription limits. Count new money subscribed this tax year, not account balances or government LISA bonuses. Provider-managed transfers, flexible replacement subscriptions, inherited allowances and Junior ISAs need separate treatment. LISA access and age eligibility are not assessed.
Check the inputs to calculate a result.
Calculation details
Annual limits
The 2026/27 adult ISA subscription limit is £20,000 across ISA types. Lifetime ISA contributions have a £4,000 sublimit within that total. Count subscriptions this year, not the current market value of accounts.
Example
£5,000 cash ISA, £3,000 stocks and shares ISA and £2,000 Lifetime ISA subscriptions use £10,000. A further £5,000 leaves £5,000 room. Government LISA bonuses do not use subscription room.
Limits
This does not assess LISA age or withdrawal eligibility. Provider-managed transfers, flexible replacement subscriptions, inherited allowances and Junior ISAs need separate treatment. Exempt and flexible transactions should not be entered as ordinary new subscriptions.
Sources
Checked 2026-10-25. Estimate only, not financial advice.