Interactive Investor ISA hub
The end of a tax year brings with it a deadline for using certain tax allowances - such as your ISA allowance, the Annual Allowance for pension contributions, and a child's Junior ISA allowance. Here, we've brought together our award-winning analysis and commentary into this ISA and tax year-end hub.
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|To get you started, here's a reminder of the current allowances: they apply to individuals, so a couple can each use these allowances|
£15,240 across all current year ISAs
(i.e. Cash, Stocks & Shares and Innovative Finance ISA)
|Any unused allowance from a previous year is lost - you cannot carry it forward. Money moved between ISAs that are a past year contribution, or the use of an Additional Permitted Subscription do not count as a current year subscription.|
|Pension/SIPP||£40,000 across all your pensions. Plus, you can carry forward any unsuited allowance from the past three years.||The annual allowance falls to £10,000 once you start drawing on your pension.|
|Junior ISA||£4,080 across all current year JISAs (i.e. Cash and Stocks & Share JISAs)||A Child Trust Fund account, which has the same annual allowance, can be transferred to a Junior ISA. Unlike a JISA, the CTF 'year' runs from the child's birthday.|
|Dividend Allowance||£5,000||Excludes dividend income in an ISA or Pension/SIPP|
|Savings Allowance||Basic rate tax payer - £1,000 Higher rate tax payer - £500 Earnings in excess of £150,000 p.a. - no allowance|
|Capital Gains Tax||£11,100|