ISA Calculator

An innovative finance ISA (IFISA) is a type of Individual Savings Account (ISA) that adds a tax-free wrapper to savings income from peer-to-peer loans, crowdfunding debentures and cash investments. [1] [2]

The bond is a debt security, under which the issuer owes the holders a debt and (depending on the terms of the bond) is obliged to pay them interest (the coupon) or to repay the principal at a later date, termed the maturity date.

Read here for more information.

In the calculator below a IF-ISA bond is compared to a cash account. The bond has an interest of 5% annually, which it pays out quarterly.


Investment amount:

(investment is in increments of 500, up to 50000)


Annual percent:

Quarterly Payout:

Total annual payments:

Total gain over years:

Cash Account

Investment amount:


Annual percent:

Total gain over years:

Tax rate Percent after tax Total gain