ISA Guides by Topic
Plain-English guides on UK ISAs, grouped by what you want to find out. Each topic links to the calculators that fit it.
For information only, not financial advice.
Allowances and rules
How much you can put in, how the tax year works and what the main ISA rules say.
Cash ISAs
How cash ISA interest works, what affects rates and how a cash ISA differs from other savings.
Stocks and Shares ISAs
How investing inside an ISA works, what shapes returns, and charges and risk.
Lifetime ISA
Eligibility, the government bonus, the withdrawal charge and using a Lifetime ISA for a first home.
Junior ISAs
Who can open and pay into a Junior ISA, the yearly limit and what changes at 16 and 18.
Transfers and withdrawals
Moving an ISA between providers, taking money out, flexible ISAs, moving abroad and what happens on death.
Tax and interest
Whether ISA interest is taxable, how the savings allowances work and whether an ISA goes on a tax return.
Planning and growth
Using calculators well, how compound growth works and planning for retirement with ISAs.
An ISA (Individual Savings Account) is a UK account in which savings interest and investment returns are free of income tax and capital gains tax. Each guide below is grouped under the question it answers, with the rules checked against gov.uk. Looking for everything in date order? See all ISA guides. To run your own numbers, start with the ISA Calculator, or see the ISA rules at a glance and the ISA glossary.