ISA Rate Reality Checker

Find out how much your Cash ISA could be earning you

Initial deposit / transfer of existing Cash ISA / Current Cash ISA value Tooltip

Tooltip

How much will you initially deposit into your Cash ISA

How many years do you plan to save for Tooltip

Tooltip

How long do you plan to be save into your Cash ISA - this can open up better long term rates for you

How much will you save per month Tooltip

Tooltip

How much do you plan to save each month

Current provider Tooltip

Tooltip

Do you currently have a Cash ISA

Calculate

Results

Please provide your details on the left to discover your potential savings.

Please provide your details on the left to discover your potential savings.

Our featured pick with special Year 1 bonuses could deliver a total return of:

Transfer here, for a better deal of Top Choice

£1,748.57

1.

Tembo Money

Non Flexible Cash ISA

£1,748.57

Transfer here, for a better deal of

£1,748.36

2.

Plum

Flexible Cash ISA

£1,748.36

Transfer here, for a better deal of

£1,738.30

3.

Trading 212

Flexible Cash ISA

£1,738.30

What does the ISA rate reality checker do?

The ISA rate reality checker helps you estimate how your Cash ISA could grow over time. All you need to do is enter the following details:

1. Initial deposit / transfer : add the amount you’re starting with, whether it’s a new deposit or money you’re transferring from an existing ISA.

2. Savings period: choose how many years you plan to keep saving.

3. Monthly contributions : add how much you expect to add each month.

4. Current provider: select your current ISA provider (or choose “I’ve got no ISA” if you’re starting fresh).

5. Calculate: once you’ve filled in the fields, click Calculate to see how your savings could grow and whether your current ISA is working efficiently.

Learn more from our guides

Best Cash ISA Provider

Best Cash ISA Provider

Discover top UK Cash ISAs with low or no fees, diverse investment options, and ready-made portfolios to help grow your wealth.

What even is a Cash ISA?
A Cash ISA is a type of savings account where you can earn tax-free interest. You can pay in up to £20,000 of your ISA allowance each tax year

All interest is tax-free
You must be 18+ or over and a UK resident

What are the benefits of a Cash ISA?

Cash ISAs offer several benefits including:

Protection : Up to £120,000 protected under FSCS
Tax-free: Keep all the interest you earn
Variety : You can opt for an easy access account if you need to withdraw money quickly or a fixed-rate account where you can lock your money away (usually for a higher rate of interest)

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