ISA vs Taxable Account Calculator

Project your ISA balance tax-free versus an equivalent taxable account and see how much tax an ISA wrapper saves over time.

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The ISA annual subscription limit for 2024-25 is £20,000 per person. Growth, dividends, and withdrawals within an ISA are completely tax-free. The taxable account comparison assumes a blended annual tax drag of T/2 on returns (approximating CGT deferral and partial dividend income). Actual tax-drag varies by portfolio turnover, dividend yield, and tax situation. Junior ISAs, Lifetime ISAs, and Cash ISAs have different rules. Always verify the current allowance and rules at GOV.UK.