Can You Have a Lifetime ISA and a Pension?
What gov.uk says about a Lifetime ISA, workplace pensions and private pensions, and how they differ on paying in, tax and taking money out.
ISA guides tagged “ISA Savings Guide”
Cash ISA Interest: Worked Examples at Different Rates
Interest on a Cash ISA balance is the balance multiplied by the rate, adjusted for how often the provider adds interest. This guide works through examples at assumed rates of 2%, 3% and 4%, which are not forecasts.
Common ISA Mistakes and How the Rules Work to Avoid Them
The usual ISA pitfalls are withdrawing instead of transferring, paying in over the allowance, Lifetime ISA age limits, and assuming protection that does not exist. Here is what the rules say about each.
ISA Allowance for Couples: How It Works for Two People
gov.uk says you cannot hold an ISA with someone else. Reading the limit as applying to each adult, giving a couple two between them, is this site's own interpretation. Here is how that works, with a worked example.
Lifetime ISA Withdrawal Charge: Worked Examples
The 25% Lifetime ISA charge applies to the total amount in the ISA, including the bonus, when the whole balance is withdrawn, so an early withdrawal can pay out less than was paid in. The examples below show the arithmetic.
How Do ISA Calculators Work? Reading the Returns They Show
How an ISA calculator turns balance, contributions, rate and time into a projected return, how to read nominal and real figures, and what it leaves out.
Lifetime ISA Savings: How the Bonus Adds Up
How the Lifetime ISA bonus adds up over time, with worked examples of payments, bonus and withdrawal charge. Assumed figures, not forecasts.