How much could your ISA grow over time? Use our ISA Growth Calculator to estimate your future returns and maximize your tax-free savings!
ISAs allow you to grow your money tax-free, whether you’re saving in a Cash ISA or investing in a Stocks & Shares ISA. With our ISA Growth Calculator, you can:
✔ Project your savings over time based on contributions and interest or investment returns.
✔ Compare growth scenarios to see how different ISAs perform.
✔ Plan smarter investments by visualizing how compound growth works.
How It Works:
✔ Enter your current ISA balance and contributions – We estimate your potential growth.
✔ Select an expected interest rate or return – Adjust your projections based on market conditions.
✔ Get instant results – See your tax-free savings potential for 1, 5, 10+ years.
Start optimizing your ISA strategy today! Use our calculator and make your money work for you.
ISA Growth Calculator
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IS MY ISA CAPITAL PROFIT EARNT OR UNEARNT FOR INHERITANCE TAX PURPOSES?
For Inheritance Tax (IHT) purposes, it doesn’t matter whether your ISA gains are earned or unearned. What counts is the total value of the ISA on the date of your death — including the original capital, any contributions, and any growth (capital gains, interest, or dividends).
While ISAs are tax-efficient during your lifetime (shielding you from income tax and capital gains tax), they don’t offer protection from inheritance tax. Unless the ISA is inherited by a spouse or civil partner—who can benefit from an Additional Permitted Subscription (APS)—the full value, including any growth, may be subject to IHT if your estate exceeds the threshold.