Average Cash ISA Interest Rate (August 2025)
Why It Matters: The Value of a Cash ISA in 2025 In my journey through personal finance, the Cash ISA has always been my go-to safe haven: tax‑free interest, capital protection, and peace of mind. In a world where inflation is nudging 3.6% and voiding ordinary savings returns, a competitive Cash ISA rate matters more […]
How to Calculate Your ISA Manually
Let’s be honest: if you’re trying to work out how much interest or investment return you’ll earn from your ISA, you probably don’t really want to do it all manually. There are loads of online ISA calculators including our ISA Interest Calculator that do the job in seconds. But if you’re determined to crunch the […]
Calculate ISA Interest Monthly vs Yearly
Calculate ISA Interest Monthly vs Yearly: What Really Makes a Difference? When you’re tucking money away in a Cash ISA, you’re not just saving—you’re growing. But here’s the thing: how you grow that money can vary a lot depending on whether your interest is calculated monthly or yearly. Let’s break it down simply, and I’ll […]
How to Calculate Stocks and Shares ISA Returns
How to Calculate Your Stocks and Shares ISA Returns (Properly) Let’s be honest: most ISA investors have no real idea what their stocks and shares returns actually are. They calculate their ISA returns by looking at the green number on the screen and saying woo I made £200 this week. You log in, see a […]
How to Calculate Your ISA in Q2 2025
So, ISA season is over, great, but does that mean you are don with ISA’s for the year? Not in the slightest… with the potential upcoming budget change later this year directly impacting UK ISA savers it’s actually the time to become more diligent, not less on your ISA savings. Here are some practical, useful […]
What we can expect in the Autumn 2025 Budget for ISAs?
The ISA Landscape in 2025 is Changing… If you’ve been keeping an eye on the financial news, you’ve probably heard whispers about potential changes to Individual Savings Accounts (ISAs) in the upcoming Autumn 2025 Budget on 28 or 29th October 2025. With Chancellor Rachel Reeves signaling a desire to reform the ISA landscape, it’s worth […]
Are ISA Interest Calculators a Thing of the Past?
ISA Interest Calculators in an AI-Dominated World OK, excuse the bold title – i even used AI to help me come up with some better ones and this is what i got! But, I’ve been thinking a lot about the future lately—how technology is reshaping nearly every corner of our lives and what that might […]
Cash ISAs: What They Are & How to Use Them
My Journey With Cash ISAs: The Good, The Bad, and The Surprising Last month, I was having coffee with my friend Pete when he proudly told me he’d just opened his first ISA. “That’s fantastic!” I said, genuinely excited for him. “What kind did you go for?” His answer – “Just a regular Cash ISA” […]
How Inflation Impacts ISA Returns: A Personal Journey
My Battle Against the Invisible Enemy: How Inflation Affects Your ISA Returns Last Christmas, my grandmother asked me a question that stopped me in my tracks. “Jamie,” she said, peering over her reading glasses, “my Cash ISA earned 3.5% last year. That’s good, right?” I hesitated, knowing inflation had been running at 6.5%. The truth? […]
What is a Stocks & Shares ISA and What Does it Do?
Everything You Need to Know About Stocks & Shares ISAs Five years ago, I was sitting in my tiny London flat, scrolling through my bank account with a sinking feeling. Despite working full-time and being relatively careful with money, my savings were barely growing. With interest rates on regular savings accounts lower than inflation, I […]