Junior ISA calculator

Use our free Junior ISA calculator to see how early investments can compound by the time your child is ready to take on the world.

How much of a head start could you give your child with a Junior ISA?

See how much your child's money could grow with a free Junior ISA. Simply enter your expected growth rate, existing balance, and regular contributions to get an instant projection.

Remember, projections are not a guarantee of future performance. Your child could get back less than you pay in.

Every pound invested today is a step toward your child's brightest tomorrow. Start building their future with a Freetrade JISA.

Enter some details to estimate your child's Junior ISA value over time
What is your existing Junior ISA worth?
£
How much would you like to regularly invest?
£
How old is your child?
5
What is your expected annual growth rate?
%
Your child's potential JISA value at 18 years of age:Value
Your total contributionValue
Investment growthValue
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How this calculator works

This Junior ISA calculator is for illustrative purposes only and does not predict or guarantee what your child’s investments will be worth. It is designed for a Stocks and Shares Junior ISA only and does not account for Cash Junior ISAs. Investments can go down as well as up in value, so your child could get back less than you invest. Freetrade does not provide investment advice and you are responsible for your own decisions.
Results are based on the information you enter, including expected growth rate, existing balance, regular contributions and timeframe. Growth is converted into a monthly compounded rate and assumes contributions are made at the start of each month. You can adjust the growth rate to explore different scenarios.
Estimates exclude ongoing JISA account fees, as Freetrade does not charge an account fee for its Junior ISA. Other charges, including FX fees, may apply. Inflation is not included.
Freetrade’s Junior ISA is available for children under 16, and funds are locked until age 18 other than in limited circumstances. The account then converts into an adult ISA. The calculator projects the estimated value at age 18 based on the time remaining.
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For the 2026/27 tax year, you can contribute up to £9,000 per child across all types of JISA types. No UK tax is paid on interest, dividends, or growth within a Junior ISA. JISA rules apply. Tax treatment depends on personal circumstances and may change.
JISA at a glance

Tax-free. Fee-free. More for your child.

  1. Save on tax: Invest up to £9,000 each tax year, free from UK income and capital gains tax.‍
  2. Save on fees: £0 account fees. £0 commission fees. With Freetrade kids go free. And so do you. Other charges such as FX fees may apply.
  3. ‍Save on time: Manage and track your family’s finances, from pensions to ISAs and JISAs, all in one place.
Three black boxes with purple numbers and white text listing benefits: 01 Tax-efficient investing, 02 £0 account fees, 03 Reduced admin.

Capital at risk. Other charges and JISA rules apply.
Tax treatment depends on personal circumstances and current rules may change.

Reasons to open a Freetrade JISA

01
£0 account fee
A JISA is included with all our plans, even the free Basic plan.
02
Commission-free dealing
Unlimited free trades and low FX fees, so your money goes further.
03
Easy to use
Manage your portfolio with ease on iOS, Android, or from your web browser.
04
8,200+ investment choices for JISAs
Choose from global stocks, funds, ETFs, bonds, and more. You can also explore our ready-made portfolios to get started.
05
Support
Fast, friendly customer support when you need it.
06
Intuitive tools for easy management
Automate your investing with recurring orders and Direct Debits.
Get Freetrade

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  • Best for Share Traders 2026 by Boring Money
  • Value for Money Winner 2026 by Boring Money
  • Provider of the Year Winner 2025 by Finder
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Trustpilot reviews

Join thousands of people with Freetrade

What I love most: Commission-free trading: Buying and selling shares without hidden fees makes investing accessible to everyone. Fractional shares: You don’t need hundreds to invest in big-name companies—just a few pounds and a bit of curiosity. Slick design: The app feels modern and easy to navigate, even for beginners. Educational content: Their in-app insights and weekly emails help me understand the market better without being overwhelming. ISA and SIPP options: For those thinking long-term, it’s great to have tax-efficient accounts built right in. Whether you're dipping your toes into the stock market or managing a growing portfolio, Freetrade makes the experience feel empowering rather than intimidating. It’s not just an app—it’s a gateway to financial confidence.
HUSSAIN JERBI
|
Very easy to use and very cost effective way of managing an ISA.
RUSSELL PICKETT
|
Having tried all the other share trading apps, I have come to the conclusion that Freetrade is the best 10/10. That’s why I chose them for my SIPP.
CUSTOMER
|
I’ve been very impressed, a 10x improvement from Hargreaves Lansdown. The transfer of my SIPP was very well managed with excellent communication all the way. Then the actual platform is very good. My SIPP used to be with HL and that platform is ancient and expensive. I like the PM trading being available with zero fees except foreign exchange rates. Wish I’d moved earlier!
RUAN SMIT
|
Consolidated my pension pots into a SIPP and ISA on a single platform. Excellent access to US market. Very reasonable account fees, low FX fees and no brokerage fees.
EVERTON SOUSA
|
Moved my SIPP and ISA to Freetrade 2 years ago. Very low costs and very responsive customer service. Can't fault.
D D
|
The platform is easy to use offering general/ISA/SIPP accounts There is a huge range of stocks, ETFs, funds and gilts/treasuries. Responsive customer service. Interest on uninvested cash.
LOUISE DAVIES JONES
|
Good experience transferring my SIPP over from Vanguard. Nice app, excellent customer support, keep up the great work.
DARSUNR-BRINDLE
|
Easy way to manage a stocks and shares ISA. Dividends can be used to buy further shares instead of being hit by yet more tax. Tax efficient for your yearly allowance.
DHANOR
|
Great app and service. Fantastic choice for SIPP and ISA investment.
IAN C.
|
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JISA FAQs

Here you'll find answers to the most frequently asked questions. If you have a question that's not listed, please contact support.

How do I use this Junior ISA calculator?

What is a Junior ISA?

Who can open a Junior ISA?

How many Junior ISAs can a child have?

How much can you put in a Junior ISA?

Who can pay into a Junior ISA?

Is a Junior ISA tax free?

How do I open a Junior ISA?

I have a Child Trust Fund (CTF). Can I transfer it to Freetrade?

Can you withdraw from a Junior ISA?

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