How much can I pay into ISAs?
Who this guide is for: For anyone asking how much new money they can pay into Individual Savings Accounts (ISAs) in a tax year, and how unused allowance and transfers work.
Each tax year, HMRC sets a single overall ISA allowance — the total new money you can pay into all your ISAs combined. Check GOV.UK for the figure that applies to the current tax year.
- Step 1Check this year's allowance on GOV.UK
- Step 2Subscribe across permitted ISA types
- Step 3Unused room does not roll forward
- Step 4Transfers follow separate rules
Subscriptions across your ISAs normally share that single limit. For what an ISA is and how it works, see ISA Guide.
How the limit is used
- New money paid into ISAs counts toward the allowance.
- You choose how to split the allowance across permitted ISA types.
- Unused allowance does not roll forward to the next tax year.
Flexible ISAs and replacements
If your Cash ISA is flexible, withdrawals may be replaced in the same tax year without counting again toward the allowance — only where the provider supports flexibility.
Junior ISAs
Junior Individual Savings Accounts (Junior ISAs) have a separate annual allowance for each child. Parental subscriptions still need to respect that Junior ISA limit. Confirm the current Junior ISA figure on GOV.UK alongside the adult allowance.
Compare a taxable disposal with assets held inside an ISA Use the Capital Gains Tax Calculator