Tax Planning
Tax Wrapper Comparison
ISA vs GIA vs Pension
Where you hold your investments matters as much as what you invest in. This calculator compares the after-tax outcomes of ISAs, pensions, and general investment accounts.
£50,000
6%
20
Frequently Asked Questions
Which wrapper should I use?
Generally: pension first (for the tax relief), then ISA (for flexible tax-free access), then GIA (for amounts above allowances). The optimal mix depends on your tax band, access needs, and retirement plans.
Want personalised advice?
Calculators provide useful estimates, but your financial plan should be built around your specific circumstances. Book a free consultation to discuss your situation.
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