Track your £20,000 ISA allowance.
Your ISA allowance resets every 6 April. It does not roll over. PocketSpend logs every contribution across every ISA you connect, sums it against the £20,000 cap, and warns you before HMRC does.
Cash ISA
£20,000 (shared)
Savings rate, FSCS-protected, withdraw anytime (most variants).
Stocks & Shares ISA
£20,000 (shared)
Funds, ETFs, shares. Tax-free growth and dividends.
Lifetime ISA (LISA)
£4,000 (counts toward £20k)
25% government bonus, first home or age 60. Penalty otherwise.
Innovative Finance ISA
£20,000 (shared)
Peer-to-peer lending. Higher risk, higher rates.
Junior ISA
£9,000 (separate)
For children under 18. Cash or Stocks & Shares.
Why an ISA Tracker matters
- →HMRC penalties for over-contributing across multiple providers (common when you switch banks mid-year).
- →Use-it-or-lose-it: unused allowance disappears every 5 April at 23:59.
- →The Lifetime ISA £4,000 sub-limit catches people out: government bonus only paid up to the cap.
- →Flexible ISA rules mean re-deposits in the same tax year do not always count again — but you have to track it.
ISA Tracker questions
What is the UK ISA annual allowance?▼
The UK ISA allowance for the 2025/26 tax year is £20,000. It resets every 6 April and does not roll over — unused allowance is lost. Lifetime ISA contributions are capped at £4,000 of the £20,000.
Does the ISA Tracker pull data from my ISA provider?▼
Yes — when your ISA provider is supported by our Open Banking aggregator (Yapily for the UK), contributions are logged automatically. For unsupported providers, you can add contributions manually.
Why does it matter to track the £20,000 cap?▼
HMRC penalises over-contributions — a common mistake when you have multiple ISAs across providers or switch banks mid-tax-year. The tracker prevents accidental breaches.
Does it understand flexible ISA rules?▼
Yes. With flexible ISAs you can withdraw and re-deposit in the same tax year without it counting against your allowance again — but you have to track it. The ISA Tracker handles this correctly.
Which ISA types does it cover?▼
Cash ISA, Stocks & Shares ISA, Lifetime ISA (with the £4,000 sub-limit), Innovative Finance ISA, and Junior ISA (£9,000 separate allowance for under-18s).
Which plans include the ISA Tracker?▼
It is included with Personal Premium ($7.99/month) and above.
ISA Tracker is included with Personal Premium and above.