What is a Junior ISA in the UK?

A Junior ISA (JISA) is a tax-free savings account for children under 18 in the UK. The annual allowance for 2026 is £9,000. Money can be invested in cash or stocks and shares. The account matures at age 18 and the child can access the funds tax-free.

How much can I put in a Junior ISA each year?

The Junior ISA allowance for 2026 is £9,000 per tax year. This is the maximum you can contribute. The allowance is per child, not per parent. You can choose between cash JISA or stocks & shares JISA.

What is the best Junior ISA growth rate?

Cash JISA rates: 4-5% (2026). Stocks & Shares JISA: Historically 5-8% average annual growth. Long-term equity investments have higher potential returns. Use our calculator to compare different growth scenarios.

When can my child access their Junior ISA?

Junior ISAs mature when the child turns 18. At that point, the account automatically becomes a standard ISA. The child can withdraw the money tax-free. No withdrawals are allowed before age 18 (except in exceptional circumstances).

Junior ISA Calculator UK - Child Savings Growth Estimator

Monthly	5 Years	10 Years	15 Years	18 Years
£50	£3,500	£8,200	£14,500	£19,200
£100	£7,000	£16,400	£29,000	£38,400
£200	£14,000	£32,800	£58,000	£76,800
£300	£21,000	£49,200	£87,000	£115,200
£500	£35,000	£82,000	£145,000	£192,000

📝 Complete Guide to Junior ISAs in the UK

This Junior ISA calculator UK helps you estimate your child's savings growth. Junior ISAs are tax-free savings accounts for children under 18, offering a powerful way to build future wealth with government-backed tax advantages.

💰 What is a Junior ISA?

A Junior ISA (JISA) is a tax-free savings account for children under 18 in the UK:

Annual Allowance: £9,000 (2026)
Tax-Free: No tax on interest or growth
Access: Money locked until child turns 18
Two Types: Cash JISA or Stocks & Shares JISA
FSCS Protected: Up to £85,000 per provider

📊 Junior ISA Options

Cash JISA: Fixed or variable interest (4-5%)
Stocks & Shares JISA: Invest in funds, shares, ETFs (5-8% returns)
Mixed: Combination of cash and investments
Self-Invested JISA: Choose your own investments
Robo-Advisor: Automated investment management

📈 UK Junior ISA Statistics (2026)

Average JISA balance: £8,000-£12,000
JISA accounts: 1.5M+ active
Average contribution: £50-£100/month
Most popular: Stocks & Shares JISA
Total JISA assets: £15B+
61% of parents save for children's future

💡 Tips for Junior ISA Savings

Start Early: More time = more growth
Regular Contributions: Set up monthly standing order
Max Allowance: Use full £9,000 if possible
Consider Stocks & Shares: Higher potential returns
Compare Providers: Check fees and rates
Add One-Off Gifts: Birthday and Christmas money

⚡ Junior ISA Tax Benefits

100% tax-free interest and growth
No tax on withdrawals at age 18
No impact on parent's ISA allowance
Government-backed scheme
No capital gains tax on investments

⚠️ Important Considerations

Money Locked: No withdrawals until age 18
Child Owns Account: Money belongs to the child
At Age 18: Account becomes standard ISA
Investment Risk: Stocks & Shares can lose value
Provider Choice: Compare fees and performance

Junior ISA Calculator UK

📊 Your Child's Junior ISA Details

📊 Junior ISA Breakdown

📊 Junior ISA Growth Examples