ISA Income Calculator

Test how regular withdrawals from an ISA could affect the amount left, at three returns that you choose.

  • No sign up
  • UK focused
  • Results are illustrations only, not forecasts
  • Investments can go down as well as up

Not financial advice.

Correct as of . The ISA and tax rules on this page were last checked against gov.uk on this date. Figures are for the 2026/27 tax year unless a different year is stated. For every rule with its source, see ISA rules at a glance.

This calculator shows what is left of an ISA after regular withdrawals if the money grows at a low, a central and a high annual return. You enter all three returns. The boxes start with example figures so that you can see how it works; they are not suggestions, forecasts or a view on what to take out, so replace them with your own. The site does not suggest any return, and it does not say how much it is sensible to take out: the result only shows the arithmetic for the figures you enter.

ISA Income Calculator

More options: yearly rise in withdrawals (optional)

Low return

Central return

High return

Figures are rounded to the nearest pound. The example values are not suggestions: type the amounts and returns you want to test. Illustrative only, not financial advice.

Returns are assumptions you choose, not forecasts. Investments can go down as well as up, so you could get back less than you put in.

Advanced ISA Planner

Compare ISA scenarios side by side

£14.99 one-off, no subscription

The Advanced ISA Planner compares two cash and investment scenarios of the same contributions across several tax years.

When a single calculator is not enough, the Advanced ISA Planner lets you set up longer-term scenarios, combine different ISA types, including cash ISAs, and model multiple tax years in one place.

  • Combine Cash and Stocks & Shares ISAs
  • Model multiple tax years and allowances
  • Adjust returns, contributions, and time horizons
  • Compare scenarios side by side
Explore the Advanced ISA Planner

A paid tool: a one-off purchase of £14.99, with no subscription. The free calculators are separate from the planner. See the refund policy. Figures are illustrations, not forecasts.

The planner's worked example with its default inputs: three result tiles for two scenarios and the difference between them, above a year-by-year chart of both scenarios with a shaded range
Worked example with the planner's default inputs. Illustrative scenarios, not a recommendation or a forecast.

How does the calculator work?

  • It starts with the amount you enter. Each month it adds growth at one twelfth of the annual return you typed, then takes out a twelfth of the yearly withdrawal.
  • It does this three times, once with your low return, once with your central return and once with your high return.
  • If you enter a yearly rise in withdrawals under "More options", the yearly amount goes up by that percentage at the start of each new year.
  • For each return it shows the amount left at the end, or the year in which the pot is used up.
  • It assumes the same return every year. Real returns change from year to year, and the order in which good and poor years arrive can change the result.
  • It does not allow for charges, inflation, tax, or any change in your circumstances. The Stocks & Shares ISA calculator has an optional charges input.

Is money taken out of an ISA taxed?

gov.uk says you do not pay tax on interest on cash in an ISA, or on income or capital gains from investments in an ISA, and that you can take your money out at any time without losing any tax benefits (GOV.UK: how ISAs work; GOV.UK: withdrawing your money). The pages read do not say anything further about tax on withdrawals. Some ISAs have their own rules, for example a Lifetime ISA has a withdrawal charge in some cases; see the Lifetime ISA withdrawal rules guide.

Whether money you take out can be paid back in the same tax year depends on whether your ISA is flexible; see the flexible ISAs guide and the ISA withdrawal rules guide. The pages read do not say what withdrawal amount is suitable for anyone, and neither does this site.

Where can I get free guidance?

If you are thinking about retirement income, the Money and Pensions Service is one source of free guidance. Gov.uk says it provides free and impartial debt advice, money guidance and pension guidance to members of the public; the pages read do not say whether that includes ISA withdrawals (GOV.UK: Money and Pensions Service). GOV.UK's search listing for the MoneyHelper page on Pension Wise describes it as a free and impartial government service that helps you understand the options for your pension pot (MoneyHelper: Pension Wise). The pages read do not say who can use it, so check on that page whether you are eligible. This site cannot tell you what your own retirement income should be. The site's guides suggest speaking to a regulated financial adviser if you are unsure; the pages read on gov.uk do not say this.

This calculator is about ISAs only. It does not include a state pension, workplace or personal pensions, other savings or other income.

How do I read the result?

A figure left at the end does not mean the withdrawals are suitable, and a pot used up early does not mean they are unsuitable: each only shows what happens with the numbers typed in. Try different returns and withdrawals to see how much the answer changes. Actual returns in any year may be very different from the ones you choose.

Frequently asked questions

What does the ISA income calculator do?

It shows what is left of an ISA after regular withdrawals if the money grows at a low, a central and a high annual return. You enter all three returns, the starting amount and the yearly withdrawal. It shows the amount left at the end for each return, or the year in which the pot is used up.

Does the calculator suggest a return or a withdrawal amount?

No. The boxes start with example figures so that you can see how it works; they are not suggestions, forecasts or a view on what to take out, so replace them with your own. The site does not suggest any return, and it does not say how much it is sensible to take out: the result only shows the arithmetic for the figures you enter.

What does the calculator leave out?

It assumes the same return every year, but investment values can fall and real returns change from year to year, and the order in which good and poor years arrive can change the result. It does not allow for charges, inflation, tax, or any change in your circumstances, and it does not include a state pension, workplace or personal pensions, other savings or other income.

Is money taken out of an ISA taxed?

gov.uk says you do not pay tax on interest on cash in an ISA, or on income or capital gains from investments in an ISA, and that you can take your money out at any time without losing any tax benefits (GOV.UK: how ISAs work; GOV.UK: withdrawing your money). The pages read do not say anything further about tax on withdrawals. Some ISAs have their own terms, such as notice periods, penalties or, for a Lifetime ISA, a withdrawal charge in some cases.

What does it mean if the pot is used up, or some is left?

A figure left at the end does not mean the withdrawals are suitable, and a pot used up early does not mean they are unsuitable: each only shows what happens with the numbers typed in. Actual returns in any year may be very different from the ones you choose, and investments can go down as well as up.

Is this retirement or financial advice?

No. It gives general information and illustrations only, not financial, tax or retirement advice or a recommendation of any product or approach. This site cannot tell you what your own retirement income should be. If you are unsure, speaking to a regulated financial adviser is one option.

Sources

This calculator gives general information only. It is not financial, tax or retirement advice or a recommendation of any product or approach.