Cash ISA vs Savings Calculator: Which Pays You More After Tax?
Free Cash ISA vs savings calculator: compare the interest you actually keep after the Personal Savings Allowance and your tax band, including bonus rates that drop after 12 months.
A Cash ISA pays interest completely tax free. A normal savings account only beats it if its rate is high enough to survive your tax once the Personal Savings Allowance runs out. This tool does that comparison for a year, and handles the common app trick of a headline bonus rate that drops after 12 months.
Compare what you actually keep
Simple one-year interest, allowance applied before tax. ISA interest is always tax free. This is a guide for typical savers and does not cover the starting rate for savings, Scottish tax bands, or balances over the £20,000 annual ISA limit. Always check the provider's current terms.
