Are ISA withdrawals subject to UK income tax or capital gains tax?

No. 100% of interest, investment dividends, capital growth, and withdrawals from an ISA are completely tax-free.

What is the ISA annual contribution deadline?

You must deposit your money before midnight on the last day of the UK tax year (April 5th). Unused ISA allowance does not carry over to the next year.

United KingdomIndividual Savings Account (ISA £20,000 Allowance)Finance & Salary

UK Stocks & Shares ISA £20,000 Allowance & Tax-Free Growth Calculator

Calculate your future tax-free investment wealth from maximizing the annual £20,000 UK ISA allowance, enjoying 100% exemption from UK Capital Gains Tax and Dividend Tax on all investment growth and withdrawals.

Savings & Deposits Investment & Assets Taxes & Duties

Calculator Inputs

Live Real-Time

Annual ISA Deposit Amount (£ - Max £20,000)

Quick select:

Expected Annual Portfolio Growth (%)7 %

2 %12 %

Investment Time Horizon (Years)20 yrs

1 yrs40 yrs

Calculated ResultIndividual Savings Account (ISA £20,000 Allowance)

Total 100% Tax-Free Ending ISA Wealth

£491,946

Total Tax-Free Compound Growth & Investment Gains

£251,946

Estimated Capital Gains Tax (20%) Shielded / Saved

£50,389

Detailed Calculation Breakdown

Total Cash Contributed

£240,000

Tax-Free Capital Gains

£251,946

Final ISA Balance

£491,946

Calculation Methodology

Future ISA Balance = Annual Contribution * [((1 + r)^t - 1) / r]. Tax Saved = Capital Gains & Dividend tax that would have been owed in a taxable General Investment Account (GIA).

Important Legal & Educational Disclaimer

The annual ISA subscription allowance is £20,000 across Cash ISAs, Stocks & Shares ISAs, Innovative Finance ISAs, and Lifetime ISAs.

This calculator is designed for educational and informational purposes only based on public statutory frameworks. The outputs do not constitute binding financial, tax, or legal advice. We assume no liability for decisions made based on these estimations. Always verify with the relevant official authorities or a certified professional advisor.

Frequently Asked Questions

Yes, you can split your annual £20,000 allowance across Cash ISAs, Stocks & Shares ISAs, and Lifetime ISAs.

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United Kingdom

UK Stocks & Shares ISA £20,000 Allowance & Tax-Free Growth Calculator

Calculator Inputs

Detailed Calculation Breakdown

Calculation Methodology

Important Legal & Educational Disclaimer

Frequently Asked Questions

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