ISAs & Tax-Efficient Saving

An ISA lets your savings and investments grow completely free of income tax and capital gains tax. Every UK adult can shelter up to £20,000 in the 2026/27 tax year, with a further £9,000 per child in a Junior ISA. We help you decide how to split your allowance between cash and investments, and how ISAs fit alongside pensions in your wider plan.

Last reviewed: July 2026