Tracking your 20k annual allowance across multiple ISAs

frosch411

Hi all 

Being able to open multiple ISAs in one tax year, I was wondering how people are tracking their 20k allowance within that tax year.
Seeing there's only 43 days left until the new tax year 2025-2026 comes into effect, I started looking at all my contributions to the various ISAs I have (or have opened in this tax year) to check I've not exceeded 20k yet (and also to know how much I can still contribute).

Individual institutions provide how much you've got left for the tax year, but for me it meant I had to check multiple sources to get my current total contributions, then do the maths.

Obviously those who just do one 20k transfer in/deposit won't have this "first world" issue to content with.

I am just curious if people use anything "special" or handy to track this (be it a spreadsheet, piece of paper, app, etc.).

Thanks

Archerychick

I keep a separate tab in my excel file that lists new money added to an ISA with the date and the amount and which one. 

I then also keep a record of any funds I’ve removed from a flexible isa, the date and mark it as replaced when replaced. 

These allow me to see what I have left that can be added in by the end of the tax year.

you’ll have a bit of work to do on the current tax year to check everything but it’s nice and easy to keep it up to date as you go 

jimjames

Each ISA should tell you the remaining balance so by a process of deduction it will say how much you've paid into each

subjecttocontract

I have 6 cash ISAs and just keep a spreadsheet with the details. Managing them is easy compared to my regular savers and various fixed rate deposits

frosch411

jimjames said:

Each ISA should tell you the remaining balance so by a process of deduction it will say how much you've paid into each

Indeed, this is what I have been doing so far yet am looking at ways to simplify/streamline this.

By the answers so far, classic spreadsheets seem popular 😁

sammy_zammy

jimjames said:

Each ISA should tell you the remaining balance so by a process of deduction it will say how much you've paid into each

Tbf if you've removed money from a flexible ISA it often doesn't tell you straightforwardly the actual amount left of your allowance that you can use elsewhere.

t0rt0ise

It's sensible to keep a spreadsheet with details of accounts for when next of kin / family have to 'sort out your affairs'. It's easy enough to keep a note on the spreadsheet as to how much you've paid in in the current year.