Junior ISA Calculator
Use our junior ISA calculator to see what your child’s ISA could be worth in the future.
Investment ISAs put your capital at risk & you may get back less than you originally invested
- Invest From: £25 pm
- Investment Options: AJ Bell offer a wide range of investments including shares, funds, investment trusts and ETFs (exchange traded funds)
Good to know: Which? Recommended Investment Provider. Invest from £25 pm or invest a lump sum up to £9,000 in the current tax year. AJ Bell offer a wide range of investment options. For a “no hassle” option, you can choose from one of 8 funds and AJ Bell Investments will do the rest. AJ Bell offer a AJ Bell Responsible Screened Growth fund’ focused on companies taking their commitment to the environment and society seriously. Capital at risk.
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- Invest From: £20 pm
- Investment Options: A choice of 9 funds, including a Unitised With-Profits fund that comes with a guaranteed minimum payout
Good to know: Take your pick from 9 funds with different levels of risk and reward to create your very own investment strategy for your child. Includes a Unitised With-Profits fund that comes with a guaranteed minimum payout when the child turns 18, provided no switches or withdrawals are made. Welcome Gift: After you start investing in a My Select (Junior ISA) Scottish Friendly will pay £50 into the Junior ISA for your child. Winner of Best Junior ISA Provider 2024 for the 6th year running at the Investment Life and Pensions Moneyfacts Awards. Capital at Risk
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- Invest From: From £10 a month or £100 lump sum
- Investment Options: Choice of two funds: Family Balanced International Fund for more cautious long-term investors, or Family Charities Ethical Trust Fund for more adventurous long-term investors
Good to know: Invest up to £9,000 per year (current tax year limit). Also available for zero fee Junior ISA transfer held elsewhere, or child trust fund transfer. Simple choice of two funds: one for more cautious investors and one for those who are comfortable taking more risk. Manage your junior ISA 24/7 with their simple online account. OneFamily is an award-winning investment provider with over 45 years’ experience in helping families make the most of their money. OneFamily is owned by members for members, which means they don’t have shareholders to pay – so they can reinvest profits for good. To open a One Family JISA, the child must be under the age of 16 and funds cannot be withdrawn until the child turns 18. Annual Management Charge of 1.5%. OneFamily’s Junior ISA is a stocks and shares junior ISA. That means the money that you pay in goes into a fund that’s invested in the stock market. This gives your money good potential to outgrow interest rates, but there is a risk that its value could go down, which would mean your child getting back less than has been paid in. Capital at risk.
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- Invest From: From £1 pm
- Investment Options: Choose from one of five investment styles based on risk, and a team of experts build your child’s Junior ISA, choosing which investments to buy and managing them on your behalf
Good to know: Junior ISA built and managed for you matched to your level of risk. Invest up to £9,000 in the current tax year. No minimum investment, invest from just £1. Raise, lower, or stop and restart your payments any time you like. Available for children under 18. The value of investments and any income can fall, so the Junior ISA could return less than you invest. Returns on investment funds are not guaranteed. Capital at Risk
- Invest From: £25 pm
- Investment Options: Choose from more than 40,000 UK and global investment options for your child's ISA
Good to know: ii offer a flat fee service which over time could save you money compared to platform providers who charge on the value of investments held. ii offer ready made funds including their ethical funds which allows you to invest in line with your principles covering environmental, social and governance factors. Capital at Risk
- Invest From: £10 pm
- Investment Options: Is an insurance based Junior ISA which invests in stocks and shares via a With-Profits pooled fund
Good to know: Your child’s money will be invested through a fund manager & will be invested primarily in stocks and shares, with the aim of achieving higher growth over the long-term than might be available through a cash-based Junior ISA. Open a Junior ISA for your child and get rewarded too. . Capital at risk. Please note: As with all investing, your capital is at risk you may get back less than you have put in. The value of the ISA will depend on the performance of the investments and any bonuses cannot be guaranteed. Additionally, if investment conditions are poor, we may apply a Market Value Reduction (MVR)
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- Invest From: £25 pm
- Investment Options: Invest in over 3,000 funds, UK and overseas shares, investment trusts and ETFs
Good to know: With an HL Junior Stocks and Shares ISA, you can choose investments for your child including UK and overseas shares, Investment trusts, bonds and exchange-traded funds (ETFs). HL have over 1 million clients who trust them for their investments. Capital at risk
- Invest From: £20 pm
- Investment Options: Choose either a ready made portfolio, or DIY with a choice of different funds
Good to know: Choice of ‘Ready-made’, an easy start option of investing in a single fund. These ready-made options could be an ideal choice to begin investing for your child. Alternatively choose from a selection of 9 funds to choose from, International Ethical Fund, so you can tailor your child’s investment, whether that is investing in just one, a mixture of all 9 or somewhere in between. Winner of Best Junior ISA Provider 2024 for the 6th year running at the Investment Life and Pensions Moneyfacts Awards. Capital at Risk. *Into the Junior ISA for your child.
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- Invest From: £10
- Investment Options: Allocate your savings between a cash money market fund / shares fund from L&G and Fidelity
Good to know: Rated the Best Junior ISA two years in a row at the Good Money Guide awards. Beanstalk app is free to download and use. The only charge is an annual fee of 0.5% on the value of any investments, one of the lowest around. Rated excellent on Trustpilot. Capital at Risk
Junior ISA calculator
How do I Use the Calculator?
Using our simple calculator, you can find out the estimated amount of the total growth of your account by entering the investment amount, length of time and the interest rate that your provider offers. To find out information on providers or search for a higher interest rate, check our tables.
How Can I Improve my Result?
- 1)Find the Highest Interest Rate – While this seems like an obvious point, many people allow their savings to languish in accounts which aren’t paying a great deal of interest. This is particularly true of accounts that once had attractive opening incentives but are now not working as hard as they should be. When you’re opening an account make sure you shop around to get the best deal possible. Use our comparison tables for latest interest rates and options.
- 2)Variable or Fixed Rate – Most Junior ISAs are available at variable rates of interest. Normal savings accounts tend to offer a fixed rate account if you tie up your money. The advantage of this is that fixed rate accounts tend to offer a higher rate of interest in exchange for tying up your money. You would then lose the tax-free wrapper, however. Some account which offer a fixed rate Junior ISA include: Halifax, Santander, TSB, Nationwide. See our charts for more details.
- 3)Cash ISA or Investment ISA – This mostly depends on whether you’re willing to take a risk with your money. Investing is always carries some form of risk but the returns are generally much higher. Many Investment ISAs now manage the funds for you and invest to a level of risk you’re comfortable with, so it’s definitely a viable option for your money. A Cash ISA means you will not lose any money and will see some gains but will likely be at a much lower rate. You can also split your money between one of each of these type of ISA.
- 4)Deposit Amount: Many accounts require a minimum deposits amount so it’s always worth checking the requirements of your provider. The more you deposit the higher the returns. Most Junior ISA allow continual deposits from parents, friends and family but no withdrawals until the child reaches 18.
- 5)Length of Time: The longer you leave the amount in the account, the higher the returns. This is particularly true of Investment ISAs as early withdrawals can result in a loss of money. By allowing time for the stock market to settle, you could see much higher returns. Junior ISAs can’t be touched until the child turns 18.
What is a Junior ISA?
A Junior ISA is a government initiative launched in 2011 which provides a tax-efficient way to invest for your child’s future. There’s no income tax of capital gains tax to pay on the final amount. The Junior ISA lets you invest over the long term for the things your child might need in their adult life: whether that’s going to uni, travel, driving lessons or a home deposit.