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✅HMRC Accurate 2025/26
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Savings Calculator
See how your savings grow with compound interest — UK
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Savings Growth Projection
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Total interest earned—
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💰 The ISA allowance for 2025/26 is £20,000 per year. Interest earned inside an ISA is tax-free. The Personal Savings Allowance outside an ISA is £500 (higher rate) or £1,000 (basic rate).

How Compound Interest Works

Compound interest means you earn interest on your interest, not just on the original deposit. Over long periods this creates exponential growth. Starting early — even with small amounts — has a dramatic effect on the final balance.

Cash ISA vs Stocks & Shares ISA

Cash ISA — works like a savings account. Your money is protected and earns a fixed or variable interest rate. Returns are lower but capital is safe. Stocks & Shares ISA — invested in markets. Higher potential returns over the long term but capital is at risk. Historically UK stocks have returned around 7% per year over the long term.

ISA Allowance 2025/26

You can save up to £20,000 per tax year into ISAs. This can be split across a cash ISA, stocks & shares ISA, innovative finance ISA and Lifetime ISA (LISA). The LISA allows up to £4,000 per year with a 25% government bonus.

Best Savings Rates 2025

With the Bank of England base rate at elevated levels, savings rates have improved significantly. Easy access accounts are offering around 4–5%, with fixed-rate bonds offering slightly more for longer terms. Always compare rates across providers using comparison sites.