Within the overall limit.
Free UK tool · 2026/27
How much ISA allowance have I used?
Bring subscriptions across providers into one estimate, separate genuine ISA transfers and treat flexible withdrawals cautiously.
Reconcile the tax year
Count new subscriptions, not account balances.
The £20,000 limit applies across your adult ISAs. A growing balance does not show how much allowance you have used, and a formal ISA transfer is not a fresh subscription.
- Add new money paid into every adult ISA since 6 April 2026.
- Keep formal provider-to-provider ISA transfers separate.
- Only adjust for withdrawals when your provider confirms the ISA is flexible and the amount is replaceable.
Estimated overall allowance remaining£12,400
£7,600 of £20,000 used
Only where the provider transfer process was used.
Check the estimate against each provider's subscription record before paying more in. HENRY cannot see other accounts or confirm provider classifications.
Why the result can differ from cash flow
Transfers and withdrawals need classification.
For 2026/27, the overall adult ISA subscription limit is £20,000 and the Lifetime ISA limit is £4,000 within it. Unused allowance cannot be carried forward.
A transfer completed through the receiving provider can move existing ISA savings without becoming a new subscription. If you withdraw the money yourself and then pay it into another ISA, that payment may use allowance.
Non-flexible ISA withdrawals do not reduce the amount already subscribed. A flexible ISA can permit replacement without using more allowance, but the provider's terms, the source of the withdrawn funds and where replacement is made all matter.
What connected planning could add
Less re-entry.
More confirmation.
A future connection could identify likely subscriptions and transfers, but it would still need you to confirm ambiguous transactions. The live demo shows that reconciliation step using fictional providers and data.