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.

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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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