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.

Success!

Something went wrong — please check the form and try again.

Open a JISA

Transfer a JISA

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.
‍
For the 2026/27 tax year, you can contribute up to £9,000 per child across all 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.

Save on tax: Invest up to £9,000 each tax year, free from UK income and capital gains tax.‍
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.
‍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

£0 account fee

A JISA is included with all our plans, even the free Basic plan.

Commission-free dealing

Unlimited free trades and low FX fees, so your money goes further.

Easy to use

Manage your portfolio with ease on iOS, Android, or from your web browser.

8,700+ investment choices for JISAs

Choose from global stocks, funds, ETFs, bonds, and more. You can also explore our ready-made portfolios to get started.

Support

Fast, friendly customer support when you need it.

Intuitive tools for easy management

Automate your investing with recurring orders and Direct Debits.

Open a JISA

Top-rated provider

Which? Great Value stocks and shares ISA, 2026

Boring Money Value for Money Winner, 2026

Boring Money Best for Share Traders, 2026

Boring Money Best for ETFs, 2026

Investors' Chronicle Platform for International Shares 5-Star Winner, 2026

Oval badge with text: Which? Great Value, Stocks & Shares ISA, March 2026

award_2026_which_great-value-stocks-and-shares-ISA

Boring Money Value for Money Winner 2026 badge with five gold stars on dark blue background.

Boring Money award badge labeled Best For Share Traders 2026 with five pink stars on top.

Boring Money award badge for Best for ETFs 2026 with five pink stars in a purple circle.

Investors’ Chronicle and FT Financial Times 2025 Investment Award 5 Star Winner for International Shares.

Trustpilot reviews

Join thousands of people with Freetrade

Fantastic experience! Really enjoy using the App. Very user friendly. Easy to navigate. Recently moved my old ISA to Freetrade. There were process was seamless and I was kept well informed through our the process. All together very pleased.

MAHEEN MATHEW

Read MAHEEN MATHEW's review on Trustpilot's website.

I've used freetrade for a few years now. I'm using it to give me one of a variety of incomes as i head in to retirement,(mostly uk dividend shares in my modest portfolio). My basic isa account is free to use, what's not to like!

ROB MC

Read ROB MC's review on Trustpilot's website.

Moved my SIPP and ISA to Freetrade 2 years ago. Very low costs and very responsive customer service. Can't fault.

D D

Read D D's review on Trustpilot's website.

What can i say, a great service, no charges for transactions, just a nice easy 1 yearly or monthly fee whichever you prefer. I have a SIPP & S&S Isa (think there are cheaper sipps, but if you have both products cannot see any cheaper). Keep up the good work, and please to get 5* just need employer contributions set up

DAFYDD

Read DAFYDD's review on Trustpilot's website.

A charge (£0) free ISA, that’s easy to use with a wide range of investments offered. It seems to good to be true, but I’ve used it now for 18 months without a glitch. The customer care is responsive to questions and very positive and helpful when you need assistance. I’ve just transferred more cash into my account and it was a doddle, just use the button in Freetrade and it fills in its details for the bank transfer so there are no mistakes, the transfer took seconds.

MARK M

Read MARK M's review on Trustpilot's website.

Very easy to use and very cost effective way of managing an ISA.

RUSSELL PICKETT

Read RUSSELL PICKETT's review on Trustpilot's website.

Really straightforward transfer process (ISA and SIPP). Nice app and website. Good switching incentive too. Great customer service (I'm a plus customer).

JOSH

Read JOSH's review on Trustpilot's website.

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

Read EVERTON SOUSA's review on Trustpilot's website.

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

Read HUSSAIN JERBI's review on Trustpilot's website.

Great app - very intuitive & easy to use. Constantly improving the app, features and listing more instruments to invest in. Very excited specifically about the latest changes in the paid plans and making ISA free.

SAMI