How much tax does a stocks and shares ISA actually save?

It depends entirely on what you would otherwise have paid, which is why this page asks for your income and your yield rather than quoting an average. On the worked example — £20,000 to start, £500 a month for 20 years at 5.00% with a 3.00% yield, on a £60,000 salary — the answer is £28,700.58: £20,064.02 of dividend tax avoided along the way and £8,636.56 of capital gains tax avoided on sale.

Do I pay tax on dividends inside a stocks and shares ISA?

No. Dividends inside an ISA carry no income tax at any level of income, and there is nothing to declare on a tax return. Outside one, the first £500 each year is covered by the dividend allowance and the rest is taxed as the top slice of your income — 10.75%, 35.75%, 39.35% depending on the band it falls in.

Do I pay capital gains tax when I sell inside an ISA?

No, however large the gain and whatever else you have sold that year. Outside an ISA the gain is stacked on your taxable income after one £3,000 annual exempt amount, and shares and funds are charged at 18.00% below the basic-rate ceiling and 24.00% above it. One gain routinely meets both rates.

How much can I put into a stocks and shares ISA each year?

£20,000 for 2026/27 — but that is the limit across every ISA you subscribe to, not a limit for this one type. Paying £20,000 into a stocks and shares ISA leaves nothing for a cash ISA or a Lifetime ISA in the same tax year. This calculator will project any contribution you type and tells you when a year of them exceeds the allowance; the ISA calculator on this site works out the split.

Does money already in the ISA use up this year’s allowance?

No. Only new money paid in counts, and growth inside the account never does. An ISA worth £150,000 built up over ten years can still take a full subscription this year, and a transfer in from another ISA uses no allowance either.

Is this a prediction of what my ISA will be worth?

No, and the distinction matters. The figure is what a single growth rate would produce if it held exactly, every period, for the whole term — arithmetic on an assumption you supplied. Real returns arrive in an order, the order changes the outcome, and nobody can tell you the rate. It is a good way to compare two contribution plans and a poor way to predict a balance.

What growth rate should I use?

There is no right answer and this site will not pretend otherwise. What is worth doing is running the same plan at two or three rates and looking at the spread, because the spread is the honest output. Whatever rate you pick, use a total return that includes dividends and set the yield below it to the part that arrives as income — the split changes the tax comparison even when it does not change the pot.

Why does the comparison ask for my salary?

Because both taxes it avoids are decided by the income underneath them. Dividends are the top slice of income, so the rate they meet depends on everything below; and a capital gain is stacked on your taxable income to pick between the lower and higher rate for gains. A calculator that does not ask is quoting somebody else’s saving.

Does the tax saving include what that tax would have grown into?

No. The figure is the bill avoided, not the bill plus its compounding, because the model assumes the tax is settled from other money — which is how an accumulating fund works, since nothing is distributed to pay it with. If your fund pays cash out, or you would have sold units to settle the bill, the ISA is worth more than the figure shown. The error is deliberately in that direction.

Is a stocks and shares ISA better than a cash ISA?

That is not a question a calculator can answer, and this site does not recommend products. What can be said factually: the two shelter the same £20,000 allowance from the same taxes, and the difference between them is what you hold inside, which is a question about risk and about when you need the money. Nothing here is a personal recommendation.

Stocks and shares ISA calculator 2026/27 — growth and the tax it saves

What you are investing

Already in the ISA

What the account is worth today. Money already inside it uses no allowance, however much it grows.

Adding each period

New money paid in every month, at the start of the period.

How often

Growth a year

Total return before charges, including the dividends below. Nobody knows this number — you are choosing an assumption, and the projection is arithmetic on it.

For how long

Annual charges

Platform and fund charges together, taken from the pot each period. The three kinds of charge behave differently and the investment calculator prices each one separately.

What the tax comparison needs to know

Dividend yield

The income part of the return above, as a percentage of the balance. A global equity tracker is around 2%; a UK income fund is nearer 4%. Set it to 0% for a fund that pays no distribution and the whole saving becomes capital gains tax.

Your other income

Salary, pension and other taxable income before tax. It decides which dividend rate the dividends meet and which capital gains rate the gain meets — both are stacked on top of it.

Where you live

Scottish rates apply to earned income only. Dividend and capital gains rates are UK-wide — but your earned income still decides where the dividends and the gain sit in the stack.

Tax year

The comparison assumes today’s rates apply for the whole term and that your income, the yield and the growth rate all hold steady. None of those will be true. They are the assumptions the arithmetic needs, they are all yours to change, and the breakdown shows what each one produced.

Nothing you type is transmitted or stored: this page is a static file and the arithmetic runs in this tab. A share link is the exception — it carries your figures in the URL. What that means.

Your projection, and the tax the ISA saved

After 20 years, this projection ends at

£220,369.91

This is not a forecast. It is what 5.00% a year would produce if it held exactly, every month, for 20 years. Real returns arrive as a sequence and the order changes the answer. Nobody can tell you the rate — you typed it, and no rate, threshold or allowance published by government goes into this number.

Held outside an ISA instead, the same investments would have cost you

£23,342.37

£15,968.86 of dividend tax along the way and £7,373.51 of capital gains tax on sale.

The rates behind that are statutory. The dividend allowance and rates, the capital gains annual exempt amount and rates, and the £20,000 ISA limit are all published figures, checked against gov.uk and dated in the methodology below. What has not been verified is the answer: it is arithmetic on those rates applied to a projection you supplied.

How the pot is made up

The four lines above the total add up to the final value
Already in the ISA	£10,000.00
Paid in over the term	£120,000.00
Growth	£97,368.90
Charges taken from the pot	−£6,998.99
Final value	£220,369.91

Contributions are £500.00 a month, paid at the start of each period, and the rate is an AER — 5.00% a year compounds to exactly 5.00%, not to more. The periodic rate the schedule actually used is 0.4074%. Those are conventions, they change the answer, and the investment calculator prices what choosing the other one would have been worth on your own figures.

Dividend tax you did not pay

Dividends each year at the stated yield, and the income tax they would have carried
Year	Balance at the start	Dividends	Tax outside an ISA
1	£10,000.00	£300.00	£0.00
2	£16,612.86	£498.39	£0.00
3	£23,532.10	£705.96	£41.20
4	£30,771.90	£923.16	£108.75
5	£38,347.12	£1,150.41	£190.00
6	£46,273.30	£1,388.20	£275.01
7	£54,566.71	£1,637.00	£363.95
8	£63,244.39	£1,897.33	£457.02
9	£72,324.10	£2,169.72	£554.40
10	£81,824.48	£2,454.73	£656.29
11	£91,765.00	£2,752.95	£762.90
12	£102,166.08	£3,064.98	£874.46
13	£113,049.04	£3,391.47	£991.18
14	£124,436.25	£3,733.09	£1,113.30
15	£136,351.03	£4,090.53	£1,241.09
16	£148,817.82	£4,464.53	£1,374.79
17	£161,862.21	£4,855.87	£1,514.70
18	£175,510.96	£5,265.33	£1,661.08
19	£189,792.07	£5,693.76	£1,814.24
20	£204,734.83	£6,142.04	£1,974.50
Total		£56,579.45	£15,968.86

Each year’s figure is the engine run twice — your income tax with that year’s dividends on top, less your income tax without them. So the £500 dividend allowance is applied every year rather than once across the term, and the dividends meet whatever rate your other income leaves them at. Year one shows nothing where the account starts empty, and every year is measured on the balance it opened at, which understates the dividends of anyone still paying in.

Capital gains tax you did not pay

The chargeable gain outside an ISA, and the tax on it
Final value	£220,369.91
Money paid in	−£130,000.00
Dividends already taxed, which lift the base cost	−£56,579.45
Gain	£33,790.46
Annual exempt amount	−£3,000.00
Chargeable gain	£30,790.46
Basic rate at 18.00% on £270.00	£48.60
Higher rate at 24.00% on £30,520.46	£7,324.91
Capital gains tax on sale	£7,373.51

The gain is stacked on your taxable income of £37,430.00 — your £50,000.00 of income less the £12,570.00 of personal allowance it actually used — so a gain straddling the basic-rate ceiling meets both rates rather than one. That is the step a calculator asking “are you a higher-rate taxpayer?” cannot get right for anyone on the boundary. The capital gains tax calculator shows the same split on a gain you already know.

Five things this figure does not know

Rates for the next 20 years. The whole term is priced at 2026/27 rates. The dividend allowance has been cut three times in the last decade and the capital gains annual exempt amount four; assuming today’s figures for thirty years is the largest single assumption on this page and it is not a conservative one.
That you would sell it all at once. The capital gains figure deducts one £3,000 annual exempt amount, because it models a single disposal. Selling over several tax years uses the exemption more than once and costs less, so this line is the worst case rather than the likely one.
What the tax would have gone on to earn. The figure is the bill avoided, not the bill plus its compounding. It assumes the tax is settled from other money, which is how an accumulating fund works — a fund paying cash out, or units sold to settle the bill, leaves you better off inside the ISA by more than this.
Your income in the year you sell. The gain is stacked on the income you entered. Selling in a year you earn less — a career break, retirement — moves part of the gain into the lower rate.
Whether the money could go in. A stocks and shares ISA takes at most £20,000 of new money a tax year, shared with every other ISA you pay into. This projection does not enforce that; the ISA allowance calculator does.

Nothing about tax has been applied inside the ISA, because nothing is due there: no dividend tax, no capital gains tax, and nothing to declare. The income tax position above — £7,486.00 on £50,000.00 of other income — is the baseline the dividend comparison is measured against, not a bill this account creates.

The link carries the figures you typed in the address bar, so anyone you send it to sees the same result. Nothing is stored and nothing is uploaded — the CSV is built in this tab.

Worked example: £500 a month for 20 years, and what the wrapper saved

Ruth has £20,000 in a stocks and shares ISA and pays in £500 a month. She assumes 5.00% a year total return, of which 3.00% is dividends, and 0.35% a year in charges. She earns £60,000 and lives in England. Over 20 years:

The projection ends at £245,108.78: £20,000.00 to start, £120,000.00 paid in, £113,249.36 of growth, less £8,140.58 of charges. That is arithmetic on Ruth’s assumption, not a prediction — nobody knows what 5.00% will turn out to have been.
Held outside an ISA, the same holding would have produced £66,123.12 of dividends over the term. After the £500 allowance each year, and at the rate her £60,000 salary leaves them at, that is £20,064.02 of dividend tax.
Selling the lot would leave a gain of £38,985.66 — the final value less the £140,000.00 she paid in and the £66,123.12 of dividends already taxed. After one £3,000 annual exempt amount, the chargeable gain is £35,985.66 and the tax is £8,636.56.
So the wrapper is worth £28,700.58 to her, on these assumptions — and it costs nothing extra to have used it.

Ruth’s projection and the tax the ISA wrapper avoided
Final value after 20 years	£245,108.78
Dividend tax outside an ISA	£20,064.02
Capital gains tax on sale outside an ISA	£8,636.56
Tax the ISA avoided	£28,700.58

Two things that figure is not. It is not the difference in what Ruth ends up with — the tax is assumed settled from other money, so a fund distributing cash would leave her better off inside the ISA by more than this. And it is not a rate promise: every pound of it depends on 2026/27 rates still applying in twenty years, which they will not.

Methodology: the projection, the tax, and which half is verified

What each engine is responsible for

This page runs two engines and they make two different kinds of claim, so they are described separately rather than blended into one sentence.

The projection is arithmetic, not a forecast. It contains no tax rate, no threshold and no allowance published by government — nothing statutory goes into the pot value at all. It is what a single rate, held every period for the whole term, would produce on the figures you entered. Real returns arrive in an order and the order changes the outcome; treat the number as a way to compare two plans, not as a balance to expect.
The tax comparison uses statutory figures. The dividend allowance and rates, the capital gains annual exempt amount and rates, the personal allowance and its taper, and the ISA subscription limit are published by HMRC, and they are what the second half of the page is built from.

The formula

Project the pot. One period at a time — a month, a quarter or a year — with the contribution added at the start of the period, growth applied at the periodic rate, and charges deducted from the balance. The rate is an effective annual rate, so it compounds to the figure you typed rather than to more.
Work out each year’s dividends. The yield you entered, applied to the balance the year opened at. Using the opening balance rather than an average understates the dividends of anyone still paying in, which is the direction to be wrong in on a figure this page exists to advertise.
Tax those dividends, one year at a time. Your income tax with that year’s dividends on top, less your income tax without them. Running it per year is what makes the £500 dividend allowance an annual nil-rate band rather than a single deduction spread across the term — and dividends are the top slice of income, so the rate they meet is decided by everything underneath.
Work out the gain. The final value, less the money paid in, less the dividends already taxed. A taxed distribution is money already brought into charge and it lifts the base cost; leaving it out would tax the same pounds twice and make this page’s own headline bigger than the truth.
Tax the gain once, stacked on your taxable income. One £3,000 annual exempt amount comes off, then the part of the gain below the basic-rate ceiling is charged at the lower rate for gains and the rest at the higher one. A gain straddling that boundary meets both.

Rates and allowances, 2026/27

Figure	Amount
ISA subscription limit	£20,000.00 a tax year, across every ISA
Dividend allowance	£500.00 a year
Dividend ordinary rate	10.75% from £0 of taxable income
Dividend upper rate	35.75% from £37,700 of taxable income
Dividend additional rate	39.35% from £125,140 of taxable income
Capital gains annual exempt amount	£3,000.00 a year
Capital gains, shares and funds	18.00% below the basic-rate ceiling, 24.00% above it
Personal allowance	£12,570.00, tapering above £100,000

Dividend and capital gains rates are UK-wide. Scottish rates apply to earned income only — but that earned income still decides which dividend band the dividends fall in and how much basic-rate room the gain finds, so the region is still asked for.

Sources

Contains public sector information licensed under the Open Government Licence v3.0.

What has been verified, and what has not

The rates, thresholds and allowances behind the tax half of this page were checked against gov.uk on 12 August 2026, figure by figure. That check covers the published rates only. It does not verify any result this page produces, and no named person has signed the check off yet.

The projection carries no such stamp and should not. There is nothing statutory in it to check: it is arithmetic on a growth rate you chose, and a growth rate cannot be verified against anything. The two halves of this page are not equally strong and it would be dishonest to present them as if they were.

What this calculator does not do

Predict returns. One rate, every period. No variable returns, no sequence-of-returns risk, no volatility. The order returns arrive in changes the outcome and this model has no order.
Enforce the ISA allowance. The projection runs on whatever contribution you type. It says when a year of contributions exceeds £20,000 and it does not stop you — the ISA allowance calculator is where the limits are worked out.
Model a staged disposal. The capital gains figure assumes one sale in one tax year and therefore one annual exempt amount. Selling over several years uses the exemption more than once and costs less, so the figure shown is the worst case.
Track rate changes. Every year of the term is priced at 2026/27 rates. The dividend allowance and the capital gains exempt amount have both been cut repeatedly, and nothing here projects that forward.
Separate the three kinds of charge. One annual percentage, taken from the pot. An ongoing fund charge, a platform fee and a fixed fee behave differently; the investment calculator models each one and prices it.
Model an offshore fund, an equalisation payment or excess reportable income. Reporting funds held outside the UK have their own regime, and this comparison treats every distribution as a UK dividend.

Nothing you type is transmitted or stored — there is no application server and no database. A share link is the exception: it carries your figures in the URL. What that means.

Stocks and shares ISA questions

How much tax does a stocks and shares ISA actually save?: It depends entirely on what you would otherwise have paid, which is why this page asks for your income and your yield rather than quoting an average. On the worked example — £20,000 to start, £500 a month for 20 years at 5.00% with a 3.00% yield, on a £60,000 salary — the answer is £28,700.58: £20,064.02 of dividend tax avoided along the way and £8,636.56 of capital gains tax avoided on sale.
Do I pay tax on dividends inside a stocks and shares ISA?: No. Dividends inside an ISA carry no income tax at any level of income, and there is nothing to declare on a tax return. Outside one, the first £500 each year is covered by the dividend allowance and the rest is taxed as the top slice of your income — 10.75%, 35.75%, 39.35% depending on the band it falls in.
Do I pay capital gains tax when I sell inside an ISA?: No, however large the gain and whatever else you have sold that year. Outside an ISA the gain is stacked on your taxable income after one £3,000 annual exempt amount, and shares and funds are charged at 18.00% below the basic-rate ceiling and 24.00% above it. One gain routinely meets both rates.
How much can I put into a stocks and shares ISA each year?: £20,000 for 2026/27 — but that is the limit across every ISA you subscribe to, not a limit for this one type. Paying £20,000 into a stocks and shares ISA leaves nothing for a cash ISA or a Lifetime ISA in the same tax year. This calculator will project any contribution you type and tells you when a year of them exceeds the allowance; the ISA calculator on this site works out the split.
Does money already in the ISA use up this year’s allowance?: No. Only new money paid in counts, and growth inside the account never does. An ISA worth £150,000 built up over ten years can still take a full subscription this year, and a transfer in from another ISA uses no allowance either.
Is this a prediction of what my ISA will be worth?: No, and the distinction matters. The figure is what a single growth rate would produce if it held exactly, every period, for the whole term — arithmetic on an assumption you supplied. Real returns arrive in an order, the order changes the outcome, and nobody can tell you the rate. It is a good way to compare two contribution plans and a poor way to predict a balance.
What growth rate should I use?: There is no right answer and this site will not pretend otherwise. What is worth doing is running the same plan at two or three rates and looking at the spread, because the spread is the honest output. Whatever rate you pick, use a total return that includes dividends and set the yield below it to the part that arrives as income — the split changes the tax comparison even when it does not change the pot.
Why does the comparison ask for my salary?: Because both taxes it avoids are decided by the income underneath them. Dividends are the top slice of income, so the rate they meet depends on everything below; and a capital gain is stacked on your taxable income to pick between the lower and higher rate for gains. A calculator that does not ask is quoting somebody else’s saving.
Does the tax saving include what that tax would have grown into?: No. The figure is the bill avoided, not the bill plus its compounding, because the model assumes the tax is settled from other money — which is how an accumulating fund works, since nothing is distributed to pay it with. If your fund pays cash out, or you would have sold units to settle the bill, the ISA is worth more than the figure shown. The error is deliberately in that direction.
Is a stocks and shares ISA better than a cash ISA?: That is not a question a calculator can answer, and this site does not recommend products. What can be said factually: the two shelter the same £20,000 allowance from the same taxes, and the difference between them is what you hold inside, which is a question about risk and about when you need the money. Nothing here is a personal recommendation.

Investment calculatorProject a pot forward from a starting balance, regular contributions, a growth assumption and fees — with the conventions stated.
Compound interest calculatorWork out compound interest on a starting amount and regular deposits, with the deposits and the interest separated year by year.
Dividend tax calculatorWork out dividend tax on salary plus dividends, band by band, in the statutory stacking order.
Capital gains tax calculatorWork out capital gains tax with gains stacked on top of income, showing the annual exempt amount consumed.
Capital gains tax on sharesWork out capital gains tax on a share disposal, stacked on your income — and see plainly that the share identification rules are not applied for you.
Self-employed tax calculatorWork out income tax and Class 2 and Class 4 National Insurance on self-employed profits, and what is left after both.
Corporation tax calculatorWork out corporation tax including marginal relief, and how associated companies move the thresholds.
Salary and dividend calculatorCompare salary and dividend splits for a company director, with corporation tax and both National Insurances in the arithmetic.
Savings interest calculatorWork out a year of savings interest and the income tax on it, including the starting rate for savings, the personal savings allowance that applies at your income, and what the pound that halves it costs.
Pension drawdown calculatorTake tax-free cash and draw an income from a pension pot: the income tax it costs stacked on your other income, and what the pot does over the term.
ISA calculatorWork out how much of the annual ISA allowance is left, split across cash, stocks and shares, innovative finance and Lifetime ISAs.
Scotland tax calculatorWork out income tax in Scotland on earnings, savings interest and dividends, alongside the same income taxed in the rest of the UK.
Take home pay calculator ScotlandWork out take-home pay in Scotland from a gross salary, after Scottish income tax and UK-wide employee National Insurance.
Income tax calculator ScotlandWork out Scottish income tax on earnings across all six bands, with the bands shown in gross income and the rate on the next pound.
Salary sacrifice calculatorWork out what sacrificing part of your salary into a pension costs you in take-home pay, as a share of the money — with the employer’s National Insurance saving shown separately.
National insurance calculatorWork out National Insurance on pay or profit — employee and employer Class 1 shown separately, with the total cost of the employment, plus Class 2 and Class 4.
Annuity calculatorEnter the annuity rate you have been quoted — this calculator does not quote rates — and see the tax-free cash, the income tax on the income stacked on everything else, and the same money as drawdown.
Income tax calculatorWork out income tax on earnings, savings interest and dividends band by band, with the bands shown in gross income, the rate on your next pound, and the personal allowance taper priced.
Dividend calculatorWork out what a shareholding pays, per payment and per year, and what reinvesting compounds it to — with the income tax on it in the statutory stacking order.
Mortgage overpayment calculatorWork out what overpaying a mortgage saves in interest and how much sooner it clears, with the year-by-year schedule and a comparison against investing the same money.
Retirement calculatorRun both halves of a retirement plan — the years of paying in and the years of drawing an income — and work backwards from the income you want to what you would have to save.
Inheritance tax calculatorWork out inheritance tax on an estate, band by band — with the residence nil-rate band taper priced, gifts charged in date order, and the rate on the next pound shown separately.
Pension calculatorWork out what a pension pot grows to — in today’s money as well as in cash — what the tax relief on your contributions is actually worth, whether you and your employer are inside the annual allowance, and the tax on the way out.
Junior ISA calculatorProject a Junior ISA to the day it matures, with the balance on the day the child takes control of the account as well — and a year of contributions checked against the child’s own allowance.
Bed and ISASell shares in a general account and buy them back inside an ISA: the gain the sale crystallises under HMRC’s share identification rules, the tax on it, the dealing costs and stamp duty, and the same trade with the repurchase outside a wrapper.
Investment fee calculatorWork out what platform fees and fund charges cost over the term, as a share of the pot you would otherwise have had — and how little of that ever shows on a statement.
Dollar cost averaging calculatorCompare investing a sum all at once with dripping the same money in over time, and see plainly what a fixed-rate model can and cannot tell you about the difference.
ETF calculatorProject an ETF holding with a dealing charge on every purchase — the cost that comes out of the money going in and therefore never compounds.
Index fund calculatorWork out what an index fund leaves you after the gap between the index and the investor: dividends, the ongoing charge and tracking difference, composed as rates.
S&P 500 calculatorProject a plan at a return you supply — this page will not invent one — and see what return you would have needed, what the dollar does to it, and how wide the spread of assumptions is.
Net worth calculatorAdd up what you own and subtract what you owe — then price the tax that has not been paid yet: income tax attached to a pension, capital gains tax attached to an unwrapped gain, and inheritance tax on the same estate.
Emergency fund calculatorWork out how many months of essential spending your fund covers, what a shortfall would cost to borrow or to raise by selling investments, and the income tax on the interest when it is held outside an ISA.
FIRE calculatorWork out the pot your income needs and the year it arrives — with the withdrawal rate as your assumption, and the years between stopping work and reaching pension age priced separately.
Coast FIRE calculatorWork out the pot you would need today to stop contributing entirely and still reach your target on compounding alone, and the year your own plan crosses that line.
Pension tax relief calculatorWork out the tax relief on a pension contribution and how it reaches you — the part a provider adds at source, the part you have to claim yourself, and the personal allowance a contribution buys back.
Pension contribution calculatorWork out what a contribution as a percentage of salary puts into your pension and what it costs you after relief, against the annual allowance, its taper and any unused allowance carried forward.
SIPP calculatorWork out what SIPP contributions become once basic-rate relief is added and the pot is projected forward on your own assumption, and the tax-free share and income tax it meets at the other end.
Rental yield calculatorWork out gross and net rental yield on one denominator, the return on the cash actually committed, and the income tax on the profit with the finance cost restriction applied.
Dividend yield calculatorWork out trailing and forward dividend yield, dividend cover and the payout ratio — and see what the yield after income tax is, and how much of a high yield is a falling price.
Bond yield calculatorWork out running yield and yield to maturity from a clean price and accrued interest, then the yield after tax — with the capital gains exemption that applies to gilts.
Second job tax calculatorWork out what a second job adds to your tax bill — both jobs taxed once as one income — what a BR code collects instead, and why National Insurance charged per employment makes the same pay cost a different amount.
Pension carry forward calculatorWork out unused pension annual allowance carried forward from the three previous years, each at its own allowance, and the order a contribution uses them in.
Pension lump sum calculatorWork out the tax on a pension lump sum — the tax-free share and the rest stacked on your other income — and what the same money taken over two tax years would cost instead.
Personal savings allowance calculatorWork out which personal savings allowance applies at your income, how much of the starting rate for savings survives, what the unused part of the allowance would actually cost, and the pound of income that halves it.
Crypto profit calculatorWork out the profit on a cryptoasset disposal and the capital gains tax on it, stacked on your income — with the pooling rules that decide the cost stated rather than applied.
Lifetime ISA calculatorWork out the government bonus on a Lifetime ISA payment and what the withdrawal charge takes back — which is more than the bonus gave, because it is charged on the withdrawal rather than on the bonus — with the first home price cap and the three age limits tested against your own figures.

About the author

Sam ElleryBuilds and maintains investmentcalculator.co.uk

Sam builds and maintains the calculators on this site. Every rate, threshold and allowance behind them is checked against gov.uk before release, and the date of that check is published on each calculator and in a public log. The site exists because most UK calculators return one number and hide the working, which makes them impossible to check and easy to misread. Sam is not a financial adviser or an accountant, and nothing here is advice.

Where a calculator uses statutory figures, each one is checked against gov.uk before release and the date of that check is published on the page. The investment projections have no statutory figures — they are arithmetic on an assumption you supply. The whole of it is covered by an automated test suite, including fixtures built from HMRC’s own published worked examples. No accountant or other professional has reviewed these calculators, and no result they produce has been independently verified.

Calculator