Help Me Choose

How we find the right ISA or pension for you

Our ISA and Pension Finder is a free, independent tool designed to match you with the investment provider that best suits your needs. Answer six short questions; it takes around two minutes, and we'll surface three tailored recommendations, each scored using a combination of our own research team's analysis and real customer reviews. The tool covers Stocks & Shares ISAs, Lifetime ISAs (LISAs), Junior ISAs (JISAs), and pensions.

The recommendations are rooted in the same methodology behind the Boring Money Best Buy Awards, which take our in-house analysts over three months to research and compile each year. We draw on over 31,000 customer reviews, detailed cost analysis across different portfolio sizes, website and app testing from live accounts, customer service testing, and the expert view of our Founder and CEO, Holly Mackay. We also assess each platform on value, service quality, and how long they've been established in the market.

The result is a shortlist you can actually trust. No featured provider pays for inclusion in this tool.

What is a Stocks & Shares ISA

A Stocks & Shares ISA lets you invest in the stock market without paying tax on any profits, interest, or dividends you make. Every UK adult can put up to £20,000 in per tax year, and your money stays tax-free for as long as it's invested.

Unlike a Cash ISA, your money is exposed to market ups and downs, so it works best for people with a five-year-plus investing horizon who can ride out any rough patches. The trade-off is that historically, stock markets have significantly outperformed cash over the long term.

You can get started from as little as £1 a month, and withdrawals are flexible. Only around 15% of UK adults currently hold one, despite the tax benefits being substantial.

How many Stocks & Shares ISAs can I have?

You can hold multiple Stocks & Shares ISAs with different providers, and since April 2024 you can now pay into more than one in the same tax year. Previously you were restricted to funding just one of each ISA type per year. Your total contributions across all ISAs still cannot exceed the £20,000 annual allowance.

Can you have a Cash ISA and a Stocks & Shares ISA?

Yes. You can hold both a Cash ISA and a Stocks & Shares ISA at the same time, and since April 2024 you can pay into both in the same tax year. The only rule is that your combined contributions across all ISAs cannot exceed the £20,000 annual allowance. So you could, for example, put £10,000 into a Cash ISA and £10,000 into a Stocks & Shares ISA in the same year.

Do you pay tax on a Stocks & Shares ISA?

No. Any profits, dividends, and interest earned inside a Stocks & Shares ISA are completely tax-free. You won't pay capital gains tax when you sell investments at a profit, no tax on dividends, and no tax on interest, regardless of how much you make.

Outside an ISA, all three of these would potentially be taxable once you exceed your annual allowances. The ISA wrapper removes that complexity entirely.

What is a Junior ISA (JISA)?

A Junior ISA is a tax-free savings or investment account for children under 18. Parents or guardians can open one on a child's behalf and anyone can contribute, up to £9,000 per tax year. The money is locked away until the child turns 18, at which point it automatically becomes an adult ISA in their name.

What is a Lifetime ISA (LISA)?

A Lifetime ISA is a government-backed account for adults aged 18–39, designed to help you save either for your first home or for retirement. You can save up to £4,000 per year, and the government adds a 25% bonus on top, up to £1,000 a year. The money can only be withdrawn penalty-free to buy a first home (worth up to £450,000) or from age 60 onwards.