Junior ISA
growth calculator
£150 a month from birth into a global index fund could give your child roughly £65,000 by their 18th birthday. That's a university fund, a house deposit, or a head start on life.
Tax-free until 18
All growth, dividends, and gains inside a JISA are completely tax-free.
Compound projections
See projected values at 6%, 8%, and 10% annual returns.
Anyone can contribute
Parents, grandparents, aunts, uncles, friends. Up to £9,000/year total.
£150/month at 8% returns
18 years of compound growth
13 years of compound growth
8 years of compound growth
3 years of compound growth
The maths doesn't care about your intentions. It only cares about time.
Common questions
What is a Junior ISA?
A Junior ISA (JISA) is a tax-free savings or investment account for children under 18. You can invest up to £9,000 per year. The child can't access the money until they turn 18, and neither can the parents.
Can I withdraw money from a Junior ISA?
No. The money is locked until the child turns 18. This is a feature, not a bug. It forces long-term thinking and protects the investment from being dipped into.
What happens when my child turns 18?
The JISA automatically converts to an adult ISA. The child then has full control. They can withdraw, keep investing, or transfer to a different provider.
Key facts
- Annual allowance: £9,000 per child
- Anyone can contribute (not just parents)
- Locked until child turns 18
- Converts to adult ISA automatically
- Instead of cash gifts that get spent, a JISA grows
Issues with your child's JISA provider?
If your JISA provider has charged unexpected fees, delayed a transfer, or given poor service, we can help you resolve it.
Start your free complaint