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Tool: UK ISA Calculator — Máy Tính Trực Tuyến Miễn Phí | HomeCalcPro | In ngày:
UK ISA Calculator — Máy Tính Trực Tuyến Miễn Phí | HomeCalcPro
Tính toán chính xác và tức thì với các công thức chuẩn cho UK ISA Calculator.
Parameters & Values
Computed Financial Summary
Real-timeAdjust parameters to update tax and amortization results.
Tax-Free ISA Compound Growth Formula
Transparent mathematical methodology explained in plain English.
Future Value = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)] (100% Tax Free)Models compound investment growth where 100% of dividends, interest, and capital gains are completely shielded from UK income and capital gains tax.
Variables Explained:
- Monthly Contribution (£): Regular monthly deposit (Max £1,666.67/mo for £20k/year limit).
- Annual Growth Rate %: Expected stock market return (e.g. 7% nominal).
- Time Horizon (Years): Investment duration in years.
Investing £500/Month in a UK Stocks & Shares ISA at 7% for 20 Years
Calculating total contributions and tax-free portfolio balance.
- Total Cash Deposited: £500 × 12 × 20 = £120,000.
- Total Future Portfolio Value: £260,463.
- Tax-Free Investment Growth: £260,463 - £120,000 = £140,463.
- Tax Saved (vs standard account): Approx £28,000+ in shielded CGT and dividend tax.
Câu Hỏi Thường Gặp (FAQ): UK ISA Calculator
Click any question below to expand quick answers, formulas, and expert tips.
What is the annual UK ISA allowance limit?
The UK annual ISA allowance is £20,000 per adult per tax year, which can be split across Cash, Stocks & Shares, Lifetime (LISA max £4,000), and Innovative Finance ISAs.
Are ISA withdrawals subject to UK tax?
No, all withdrawals from standard Cash and Stocks & Shares ISAs are 100% free of UK income tax and capital gains tax at any age.