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UK ISA Withdrawal Calculator 2026

Free UK ISA withdrawal calculator. Calculate optimal ISA withdrawal strategies, tax implications, and remaining annual allowance. Plan cash ISA and stocks & shares ISA withdrawals.

Last revised

By Team GlobalCalqulate · About our editorial standards

Calculator inputs

ISA Details

Withdrawal Plan

ISA Allowance Tracking

Future Growth Analysis

Your results

How this estimate was calculated
  • This is modelled as a flexible ISA: your withdrawal can be redeposited in the same tax year without using extra allowance, as long as you stay within your annual limit.
  • The £20,000 annual allowance is shared across all your ISAs in a tax year (6 April to 5 April), not per account.
Financial Disclaimer: This result is an educational estimate produced by applying published rates and thresholds to the figures you entered. It is not a tax determination: your actual liability depends on circumstances this calculator does not collect. Confirm your position with the relevant tax authority or a qualified accountant before acting on it. Full disclaimer.

Sources & methodology

Formula:
Allowance used after withdrawal
Reference:
HM Revenue & Customs
Rates for:
2026/27
Figures verified:
— checked against the primary source above
Scheduled re-verification:
April 2027

Calculation type: Projection from your assumptions. Uses 2026/27 rates and thresholds. Figures are taken from HM Revenue & Customs — see sources below.

Reviewed by Team GlobalCalqulate — Verifies each figure against the issuing authority's published source · Checked

Your entries stay on this device. This calculator runs entirely in your browser — the figures you type are not sent to us or to anyone else. The page itself uses cookies for analytics and advertising, described in the privacy policy.

Formula & methodology

Formula used

Allowance used after withdrawal

flexible ISA: allowance used = max(0, contributions this year − withdrawal); non-flexible: allowance used = contributions this year

Only a flexible ISA lets a same-tax-year withdrawal free up allowance to redeposit. A non-flexible ISA's withdrawal permanently uses up that portion of the allowance for the tax year — the money can still be withdrawn, but redepositing it counts as a fresh contribution.

Redepositable amount

min(withdrawal amount, remaining allowance)

Only relevant for a flexible ISA — the most you could put back without exceeding your annual allowance.

Growth lost to the withdrawal

growth lost = balance × (1 + return)^years − (balance − withdrawal) × (1 + return)^years

Compares the projected value of your balance with and without the withdrawal, at your entered expected return, to show the compounding you give up by taking money out now rather than leaving it invested.

Step-by-step calculation

  1. 1. Apply the withdrawal to your balance
    Giving the balance remaining after you take the money out.
  2. 2. Work out allowance used
    Based on whether your ISA is flexible and how much you've already contributed this tax year.
  3. 3. Check redeposit room
    Only shown as available for a flexible ISA, capped at your remaining allowance.
  4. 4. Project growth with and without the withdrawal
    Only shown when you set both an expected return and years remaining — otherwise this step is skipped.

Limitations

  • Whether your ISA is actually flexible depends on your provider — not all ISAs offer this feature, and you should check your provider's terms rather than assume it.
  • The £20,000 annual allowance used here is a common default, not enforced against your actual HMRC record. It is shared across all your ISAs in a tax year, not per account.
  • The growth-lost projection assumes a constant return for the whole remaining period, which is a simplification — real returns vary and can be negative.
  • This does not model partial-year withdrawal timing, multiple withdrawals in one tax year, or transfers between ISA providers.
  • This is an illustration, not financial or tax advice.

This page is educational. It projects a future value from assumptions you choose, and a projection is not a forecast: real returns vary year to year, and the rules, limits and rates used here can change before the period modelled ends. Treat the output as one scenario among many, not a prediction of what you will have.

Sources & references

Help & FAQs

Frequently Asked Questions

Clear answers to common questions to help you use this calculator confidently.

How much can I withdraw from my ISA?

Tap to view the answer

You can withdraw any amount from your ISA at any time without penalty. However, if you withdraw and then re-invest, it may use your annual allowance.

Does withdrawing from my ISA affect my annual ISA allowance?

Tap to view the answer

Withdrawals themselves do not reduce your annual allowance. You can withdraw and redeposit the same amount in the same tax year without losing allowance room.

What is the UK ISA allowance for 2026/27?

Tap to view the answer

The annual ISA allowance is £20,000 for the 2026/27 tax year. This combined limit applies across all ISA types: Cash ISAs, Stocks & Shares ISAs, Innovative Finance ISAs, and Lifetime ISAs.

Can I have multiple ISAs and withdraw from each one?

Tap to view the answer

Yes. You can have one Cash ISA and one Stocks & Shares ISA simultaneously. Withdrawals from any ISA don't affect your ability to contribute elsewhere, provided you stay within the £20,000 annual limit.

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