UK Savings & ISA Planner

Savings Calculator

See exactly how your money grows over time — with compound interest, charts, and a full monthly breakdown.

Your savings plan

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Understanding ISAs

Updated for 2025

💰 What is a Cash ISA?

A Cash ISA (Individual Savings Account) is a tax-free savings account available in the UK. The interest you earn isn't subject to income tax, so more of your money compounds for you.

🛡️ New ISA rules (from April 2027)

Total ISA allowance stays at £20,000 per tax year.
Cash ISA limit reduced to £12,000 for under-65s.
Remaining £8,000 must go into Stocks & Shares ISAs if using full allowance.
Age 65+ can keep using the full £20,000 in Cash ISAs.

📈 Stocks & Shares ISAs

Potential for higher long-term returns than cash.
Tax-free dividends and capital gains.
Investments can go down as well as up.
Best suited to a 5+ year time horizon.

🎯 Smart saving tips

Set a monthly goal and automate it.
Use your full allowance before 5 April each year.
Keep 3–6 months of expenses in accessible cash.
Diversify based on your risk tolerance and timeline.