{"id":721,"date":"2026-09-30T18:14:29","date_gmt":"2026-09-30T18:14:29","guid":{"rendered":"https:\/\/avexai.io\/blog\/?page_id=721"},"modified":"2026-10-13T15:13:35","modified_gmt":"2026-10-13T15:13:35","slug":"isa-vs-gia-calculator","status":"publish","type":"page","link":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/","title":{"rendered":"ISA vs GIA Calculator: What the Wrapper Is Worth"},"content":{"rendered":"\n<div class=\"wp-block-group avex-bc is-layout-constrained wp-block-group-is-layout-constrained\"><span><span><a href=\"https:\/\/avexai.io\/\">Home<\/a><\/span> \u2192 <span class=\"breadcrumb_last\" aria-current=\"page\">Blog<\/span><\/span>\n<\/div>\n\n\n\n<style>body.page-id-721 main{max-width:800px;margin-left:auto;margin-right:auto;padding:0 24px;box-sizing:border-box}<\/style>\n\n<div class=\"avex-quick-answer\">\n  <div class=\"qa-label\">Quick answer<\/div>\n  <p><strong>An ISA doesn&#8217;t change what your investments earn \u2014 it changes what you keep.<\/strong> This calculator runs the same contributions, growth and dividends through both wrappers: inside a Stocks &amp; Shares ISA (no dividend tax, no CGT) and in a general investment account, where dividends above \u00a3500 are taxed yearly at the new 2026\/27 rates and gains above \u00a33,000 face CGT at exit. The result is the wrapper&#8217;s value, in pounds. Everything runs in your browser.<\/p>\n<\/div>\n\n\n<div class=\"avex-w-ig\">\r\n  <style>\r\n    .avex-w-ig { --o:#ea580c; --o2:#f97316; --od:#c2410c; --n:#0a2540; --pb:#fed7aa; --pl:#fffbf7; --pbg:#fff4e6; font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif; line-height:1.6; margin:28px 0; }\r\n    .avex-w-ig * { box-sizing:border-box; margin:0; padding:0; }\r\n    .avex-w-ig .c { background:#fff; border:1px solid var(--pb); border-radius:20px; box-shadow:0 20px 50px rgba(234,88,12,.10); overflow:hidden; max-width:880px; margin:0 auto; }\r\n    .avex-w-ig .g { display:grid; grid-template-columns:1fr 1.1fr; }\r\n    .avex-w-ig .in { padding:34px; border-right:1px solid #f5e6d3; }\r\n    .avex-w-ig .in h2 { font-size:19px; font-weight:700; color:var(--n); margin-bottom:4px; }\r\n    .avex-w-ig .hint { font-size:13.5px; color:#555; margin-bottom:22px; }\r\n    .avex-w-ig .f { margin-bottom:16px; }\r\n    .avex-w-ig .f label { display:block; font-size:13.5px; font-weight:600; color:var(--n); margin-bottom:6px; }\r\n    .avex-w-ig .f input { width:100%; padding:11px 14px; font-size:16px; font-family:inherit; font-weight:600; color:var(--n); border:1.5px solid var(--pb); border-radius:9px; background:var(--pl); }\r\n    .avex-w-ig .f input:focus { outline:none; border-color:var(--o); background:#fff; box-shadow:0 0 0 3px rgba(234,88,12,.1); }\r\n    .avex-w-ig .duo { display:grid; grid-template-columns:1fr 1fr; gap:12px; }\r\n    .avex-w-ig .seg { display:inline-flex; border:1.5px solid var(--pb); border-radius:9px; overflow:hidden; }\r\n    .avex-w-ig .seg button { font-family:inherit; font-size:13.5px; font-weight:600; padding:10px 14px; border:none; background:var(--pl); color:#555; cursor:pointer; }\r\n    .avex-w-ig .seg button.on { background:var(--n); color:#fff; }\r\n    .avex-w-ig .res { padding:34px; background:var(--n); color:#fff; display:flex; flex-direction:column; justify-content:center; }\r\n    .avex-w-ig .rl { font-size:12px; font-weight:600; text-transform:uppercase; letter-spacing:.09em; color:#94a3b8; margin-bottom:8px; }\r\n    .avex-w-ig .big { font-size:46px; font-weight:800; letter-spacing:-.03em; line-height:1.05; color:#fff; }\r\n    .avex-w-ig .sub { font-size:14px; color:#cbd5e1; margin-top:10px; }\r\n    .avex-w-ig .brk { margin-top:20px; padding-top:16px; border-top:1px solid rgba(255,255,255,.12); }\r\n    .avex-w-ig .r { display:flex; justify-content:space-between; font-size:13.5px; margin-bottom:8px; gap:12px; }\r\n    .avex-w-ig .r .k { color:#94a3b8; }\r\n    .avex-w-ig .r .v { color:#fff; font-weight:600; text-align:right; }\r\n    .avex-w-ig .cta { padding:22px 34px; background:var(--pbg); border-top:1px solid var(--pb); display:flex; align-items:center; justify-content:space-between; gap:18px; flex-wrap:wrap; }\r\n    .avex-w-ig .cta .t { font-size:14.5px; color:var(--n); font-weight:600; }\r\n    .avex-w-ig .cta .t span { display:block; font-weight:400; color:#555; font-size:13px; }\r\n    .avex-w-ig .btn { display:inline-block; background:var(--o); color:#fff !important; font-weight:600; font-size:14.5px; padding:11px 22px; border-radius:8px; text-decoration:none; box-shadow:0 4px 14px rgba(234,88,12,.25); }\r\n    .avex-w-ig .btn:hover { background:var(--od); }\r\n    .avex-w-ig .note { text-align:center; font-size:12px; color:#888; font-style:italic; max-width:720px; margin:12px auto 0; }\r\n    @media (max-width:820px){ .avex-w-ig .g { grid-template-columns:1fr; } .avex-w-ig .in { border-right:none; border-bottom:1px solid #f5e6d3; } }\r\n  <\/style>\r\n  <div class=\"c\">\r\n    <div class=\"g\">\r\n      <div class=\"in\">\r\n        <h2>Same money, two wrappers<\/h2>\r\n        <div class=\"hint\">Identical investing \u2014 one inside a Stocks &amp; Shares ISA, one in a general account (GIA).<\/div>\r\n        <div class=\"duo\">\r\n          <div class=\"f\"><label for=\"ig-contrib\">Invested per year (\u00a3)<\/label><input id=\"ig-contrib\" type=\"number\" value=\"10000\" min=\"0\" inputmode=\"decimal\"><\/div>\r\n          <div class=\"f\"><label for=\"ig-years\">Years<\/label><input id=\"ig-years\" type=\"number\" value=\"20\" min=\"1\" max=\"50\" inputmode=\"numeric\"><\/div>\r\n        <\/div>\r\n        <div class=\"duo\">\r\n          <div class=\"f\"><label for=\"ig-growth\">Price growth (%\/yr)<\/label><input id=\"ig-growth\" type=\"number\" value=\"5\" step=\"0.1\" inputmode=\"decimal\"><\/div>\r\n          <div class=\"f\"><label for=\"ig-yield\">Dividend yield (%\/yr)<\/label><input id=\"ig-yield\" type=\"number\" value=\"2\" step=\"0.1\" inputmode=\"decimal\"><\/div>\r\n        <\/div>\r\n        <div class=\"f\">\r\n          <label>Your tax band (for dividend tax + CGT at exit)<\/label>\r\n          <div class=\"seg\" id=\"ig-band\">\r\n            <button type=\"button\" data-b=\"basic\" class=\"on\">Basic (10.75% \/ 18%)<\/button>\r\n            <button type=\"button\" data-b=\"higher\">Higher (35.75% \/ 24%)<\/button>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"res\">\r\n        <div class=\"rl\">The ISA wrapper is worth<\/div>\r\n        <div class=\"big\" id=\"ig-diff\">\u00a3\u2014<\/div>\r\n        <div class=\"sub\" id=\"ig-sub\">\u2026<\/div>\r\n        <div class=\"brk\">\r\n          <div class=\"r\"><span class=\"k\">ISA final value (all tax-free)<\/span><span class=\"v\" id=\"ig-isa\">\u2014<\/span><\/div>\r\n          <div class=\"r\"><span class=\"k\">GIA final value after all taxes<\/span><span class=\"v\" id=\"ig-gia\">\u2014<\/span><\/div>\r\n          <div class=\"r\"><span class=\"k\">Dividend tax paid along the way<\/span><span class=\"v\" id=\"ig-dt\">\u2014<\/span><\/div>\r\n          <div class=\"r\"><span class=\"k\">CGT at exit (after \u00a33,000 allowance)<\/span><span class=\"v\" id=\"ig-cgt\">\u2014<\/span><\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"cta\">\r\n      <div class=\"t\">Which of YOUR holdings sit in the wrong wrapper?\r\n        <span>Avex sees your ISA and GIA together \u2014 and keeps the tax boundary visible.<\/span>\r\n      <\/div>\r\n      <a class=\"btn\" href=\"\/contact\">Request early access \u2192<\/a>\r\n    <\/div>\r\n  <\/div>\r\n  <p class=\"note\">Simplified model: contributions at the start of each year (assumed within the \u00a320,000 ISA allowance), dividends reinvested, \u00a3500 dividend allowance fully available each year, everything sold in a single year at the end with one \u00a33,000 CGT allowance (staggering sales across tax years would reduce the CGT). 2026\/27 rates. Mathematical context only \u2014 not tax or investment advice.<\/p>\r\n  <script>\r\n  (function(){\r\n    var $=function(id){return document.getElementById(id)};\r\n    function gbp(n){ return '\u00a3'+Math.round(n).toLocaleString('en-GB'); }\r\n    var band='basic';\r\n    var DIV_ALLOW=500, CGT_ALLOW=3000;\r\n    function sim(contrib, years, g, y, divRate, cgtRate){\r\n      var isa=0, gia=0, basis=0, divTaxTotal=0;\r\n      for(var i=0;i<years;i++){\r\n        \/\/ ISA\r\n        isa=(isa+contrib)*(1+g); var dIsa=isa*y; isa+=dIsa;\r\n        \/\/ GIA\r\n        gia=(gia+contrib)*(1+g); basis+=contrib;\r\n        var d=gia*y;\r\n        var dTax=Math.max(0,d-DIV_ALLOW)*divRate;\r\n        divTaxTotal+=dTax;\r\n        var net=d-dTax;\r\n        gia+=net; basis+=net; \/\/ reinvested net dividends raise the cost basis\r\n      }\r\n      var gain=Math.max(0,gia-basis);\r\n      var cgt=Math.max(0,gain-CGT_ALLOW)*cgtRate;\r\n      return { isa:isa, giaNet:gia-cgt, divTax:divTaxTotal, cgt:cgt };\r\n    }\r\n    function calc(){\r\n      var c=parseFloat($('ig-contrib').value)||0, yrs=parseInt($('ig-years').value,10)||0,\r\n          g=(parseFloat($('ig-growth').value)||0)\/100, y=(parseFloat($('ig-yield').value)||0)\/100;\r\n      var divRate=band==='higher'?0.3575:0.1075, cgtRate=band==='higher'?0.24:0.18; \/\/ dividend rates +2pp from Apr 2026 (Autumn Budget 2025)\r\n      if(c<=0||yrs<=0){ $('ig-diff').textContent='\u00a3\u2014'; $('ig-sub').textContent='Enter your values.'; return; }\r\n      var r=sim(c,yrs,g,y,divRate,cgtRate);\r\n      $('ig-diff').textContent=gbp(r.isa-r.giaNet);\r\n      $('ig-sub').textContent='Extra wealth after '+yrs+' years, purely from the tax wrapper.';\r\n      $('ig-isa').textContent=gbp(r.isa);\r\n      $('ig-gia').textContent=gbp(r.giaNet);\r\n      $('ig-dt').textContent=gbp(r.divTax);\r\n      $('ig-cgt').textContent=gbp(r.cgt);\r\n    }\r\n    document.querySelectorAll('#ig-band button').forEach(function(b){\r\n      b.addEventListener('click',function(){\r\n        document.querySelectorAll('#ig-band button').forEach(function(x){x.classList.remove('on')});\r\n        b.classList.add('on'); band=b.dataset.b; calc();\r\n      });\r\n    });\r\n    ['ig-contrib','ig-years','ig-growth','ig-yield'].forEach(function(i){ $(i).addEventListener('input',calc); });\r\n    calc();\r\n    window.__avexIsaGia = sim; \/\/ exposed for testing\r\n  })();\r\n  <\/script>\r\n<\/div>\r\n\n\n\n\n<h2>Why the same portfolio ends up with two different values<\/h2>\n\n<p><strong>Outside a wrapper, tax compounds against you twice.<\/strong> First, dividends above the \u00a3500 allowance are taxed every year (10.75% basic \/ 35.75% higher in 2026\/27 \u2014 both rates rose two points this April), so less gets reinvested each year. Second, when you eventually sell, gains above the \u00a33,000 annual exempt amount face capital gains tax at 18% or 24%. Inside an ISA, both taxes are simply absent \u2014 and the gap between the two accounts grows with every year and every percentage point of yield.<\/p>\n\n<h2>What moves the number most<\/h2>\n\n<p><strong>Dividend yield and time.<\/strong> A high-yield portfolio bleeds dividend tax annually \u2014 money that never gets to compound \u2014 so the wrapper is worth most to income-heavy portfolios held for decades. Low-yield growth portfolios shift the cost toward the CGT bill at exit instead. Either way, the calculator&#8217;s assumptions are deliberately kind to the GIA: one clean sale at the end with a full \u00a33,000 allowance. Real life, with reinvested dividends eroding allowances yearly, usually makes the ISA&#8217;s case stronger.<\/p>\n\n<h2>What this calculator deliberately doesn&#8217;t include<\/h2>\n\n<p><strong>It isolates the wrapper \u2014 one clean comparison.<\/strong> It assumes contributions fit within the \u00a320,000 annual ISA allowance, dividends are reinvested, and everything is sold in one go at the end (staggering sales across tax years would reduce the CGT). It doesn&#8217;t model platform fees \u2014 those hit both wrappers equally, and our <a href=\"\/blog\/platform-fee-calculator-uk\/\">platform fee calculator<\/a> handles that question separately. For the tax mechanics in detail: the <a href=\"\/blog\/dividend-tax-calculator\/\">dividend tax calculator<\/a> for the yearly bill, and our free <a href=\"\/tools\/cgt-calculator\">CGT calculator<\/a> for the exit maths with HMRC&#8217;s matching rules.<\/p>\n\n<div class=\"avex-sources\" style=\"background:#fafafa\">\n  <h3>About this tool<\/h3>\n  <ol>\n    <li>All computation happens locally in your browser \u2014 no data is uploaded, stored or sent anywhere.<\/li>\n    <li>Uses 2026\/27 figures: \u00a3500 dividend allowance, dividend rates 10.75%\/35.75%, CGT allowance \u00a33,000, CGT rates 18%\/24%, ISA allowance \u00a320,000. Simplified model (single exit sale, full allowances available). Mathematical context only \u2014 not tax or investment advice. Figures refreshed each April.<\/li>\n  <\/ol>\n<\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1790791491228\"><strong class=\"schema-faq-question\">Is an ISA always better than a GIA?<\/strong> <p class=\"schema-faq-answer\">When you have allowance available and the money is for investing, the ISA side of the comparison never loses \u2014 same investments, strictly less tax. GIAs exist for money beyond the \u00a320,000 annual ISA allowance, which is exactly when this calculator&#8217;s question matters: how much is that overflow costing?<br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790791510751\"><strong class=\"schema-faq-question\">What are the 2026\/27 rates the calculator uses?<\/strong> <p class=\"schema-faq-answer\">Dividends above the \u00a3500 allowance: 10.75% (basic) or 35.75% (higher) \u2014 both rose two percentage points from April 2026. Capital gains above the \u00a33,000 annual exempt amount: 18% or 24%. Inside an ISA, both are zero.<br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790791533337\"><strong class=\"schema-faq-question\">Why does the gap grow so fast with dividend yield?<\/strong> <p class=\"schema-faq-answer\">Because dividend tax in a GIA is paid every year, and the tax paid never compounds again. A 4% yield taxed annually costs far more over 20 years than the headline rate suggests \u2014 that&#8217;s the compounding drag the calculator makes visible.<br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790791543817\"><strong class=\"schema-faq-question\">Is my data private?<\/strong> <p class=\"schema-faq-answer\">Yes \u2014 the calculator runs entirely in your browser. Nothing you type is uploaded, stored, or sent to any server.<\/p> <\/div> <\/div>\n\n\n\n<div style=\"background:radial-gradient(ellipse 70% 80% at 0% 0%,rgba(227,114,4,.8) 0%,rgba(227,114,4,.25) 40%,transparent 65%),radial-gradient(ellipse 60% 70% at 100% 100%,rgba(246,167,0,.5) 0%,transparent 60%),linear-gradient(180deg,#000814 0%,#001D3D 100%);color:#fff!important;padding:56px 32px!important;text-align:center!important;margin:48px 0;border-radius:16px;border:1px solid rgba(255,165,50,.18)\">\n  <div style=\"display:inline-block;font-size:11px!important;text-transform:uppercase!important;letter-spacing:1.5px!important;color:#001D3D!important;background:#FFCC33!important;padding:5px 12px!important;border-radius:4px!important;font-weight:700!important;margin:0 0 16px!important;line-height:1.4!important\">Private Wealth Copilot<\/div>\n  <div style=\"font-size:30px!important;margin:0 0 14px!important;letter-spacing:-.5px!important;color:#ffffff!important;font-weight:700!important;line-height:1.2!important\">Which of YOUR holdings sit in the wrong wrapper?<\/div>\n  <div style=\"color:rgba(255,255,255,.75)!important;margin:0 auto 28px!important;font-size:17px!important;max-width:560px!important;line-height:1.6!important;font-weight:400!important\">Avex sees your ISA and GIA together \u2014 parsed locally from\n     your statements, read-only by design \u2014 and keeps the tax boundary\n     visible across every account.<\/div>\n  <a href=\"https:\/\/avexai.io\/contact\" style=\"background:#E37204!important;color:#ffffff!important;padding:14px 32px!important;border-radius:8px!important;font-weight:600!important;text-decoration:none!important;display:inline-block!important;font-size:15px!important;margin:4px 6px!important;text-transform:none!important;letter-spacing:0!important;border:none!important;box-shadow:none!important\">Request Early Access<\/a>\n  <a href=\"https:\/\/avexai.io\/#platform\" style=\"background:transparent!important;color:#ffffff!important;padding:14px 32px!important;border-radius:8px!important;font-weight:600!important;text-decoration:none!important;display:inline-block!important;font-size:15px!important;margin:4px 6px!important;text-transform:none!important;letter-spacing:0!important;border:1.5px solid rgba(255,255,255,.3)!important;box-shadow:none!important\">See the Platform<\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Quick answer An ISA doesn&#8217;t change what your investments earn \u2014 it changes what you keep. This calculator runs the same contributions, growth and dividends through both wrappers: inside a Stocks &amp; Shares ISA (no dividend tax, no CGT) and in a general investment account, where dividends above \u00a3500 are taxed yearly at the new [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":719,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_angie_page":false,"footnotes":"","_wp_rev_ctl_limit":""},"class_list":["post-721","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ISA vs GIA Calculator: What the Tax Wrapper Is Really Worth<\/title>\n<meta name=\"description\" content=\"Same money, same investments \u2014 one inside a Stocks &amp; Shares ISA, one in a GIA. See the \u00a3 difference after dividend tax and CGT, over your horizon. Free, runs in your browser.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ISA vs GIA Calculator: What the Tax Wrapper Is Really Worth\" \/>\n<meta property=\"og:description\" content=\"Same money, same investments \u2014 one inside a Stocks &amp; Shares ISA, one in a GIA. See the \u00a3 difference after dividend tax and CGT, over your horizon. Free, runs in your browser.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/\" \/>\n<meta property=\"og:site_name\" content=\"AvexAI Blog\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-13T15:13:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/09\/isa-vs-gia-calculator-avex.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1129\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/\",\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/\",\"name\":\"ISA vs GIA Calculator: What the Tax Wrapper Is Really Worth\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/avexai.io\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/isa-vs-gia-calculator-avex.webp\",\"datePublished\":\"2026-09-30T18:14:29+00:00\",\"dateModified\":\"2026-10-13T15:13:35+00:00\",\"description\":\"Same money, same investments \u2014 one inside a Stocks & Shares ISA, one in a GIA. See the \u00a3 difference after dividend tax and CGT, over your horizon. Free, runs in your browser.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#faq-question-1790791491228\"},{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#faq-question-1790791510751\"},{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#faq-question-1790791533337\"},{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#faq-question-1790791543817\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#primaryimage\",\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/isa-vs-gia-calculator-avex.webp\",\"contentUrl\":\"https:\\\/\\\/avexai.io\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/isa-vs-gia-calculator-avex.webp\",\"width\":1129,\"height\":630,\"caption\":\"Two identical jars of coins, one wrapped, illustrating the after-tax difference between an ISA and a GIA\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/avexai.io\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\",\"item\":\"https:\\\/\\\/avexai.io\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"ISA vs GIA Calculator\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/\",\"name\":\"AvexAI Blog\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/avexai.io\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/#organization\",\"name\":\"AvexAI Blog\",\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-avex-logo-vertical.webp\",\"contentUrl\":\"https:\\\/\\\/avexai.io\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-avex-logo-vertical.webp\",\"width\":500,\"height\":142,\"caption\":\"AvexAI Blog\"},\"image\":{\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#faq-question-1790791491228\",\"position\":1,\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#faq-question-1790791491228\",\"name\":\"Is an ISA always better than a GIA?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When you have allowance available and the money is for investing, the ISA side of the comparison never loses \u2014 same investments, strictly less tax. GIAs exist for money beyond the \u00a320,000 annual ISA allowance, which is exactly when this calculator's question matters: how much is that overflow costing?<br>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#faq-question-1790791510751\",\"position\":2,\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#faq-question-1790791510751\",\"name\":\"What are the 2026\\\/27 rates the calculator uses?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Dividends above the \u00a3500 allowance: 10.75% (basic) or 35.75% (higher) \u2014 both rose two percentage points from April 2026. Capital gains above the \u00a33,000 annual exempt amount: 18% or 24%. Inside an ISA, both are zero.<br>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#faq-question-1790791533337\",\"position\":3,\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#faq-question-1790791533337\",\"name\":\"Why does the gap grow so fast with dividend yield?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Because dividend tax in a GIA is paid every year, and the tax paid never compounds again. A 4% yield taxed annually costs far more over 20 years than the headline rate suggests \u2014 that's the compounding drag the calculator makes visible.<br>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#faq-question-1790791543817\",\"position\":4,\"url\":\"https:\\\/\\\/avexai.io\\\/blog\\\/isa-vs-gia-calculator\\\/#faq-question-1790791543817\",\"name\":\"Is my data private?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes \u2014 the calculator runs entirely in your browser. Nothing you type is uploaded, stored, or sent to any server.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"ISA vs GIA Calculator: What the Tax Wrapper Is Really Worth","description":"Same money, same investments \u2014 one inside a Stocks & Shares ISA, one in a GIA. See the \u00a3 difference after dividend tax and CGT, over your horizon. Free, runs in your browser.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/","og_locale":"en_US","og_type":"article","og_title":"ISA vs GIA Calculator: What the Tax Wrapper Is Really Worth","og_description":"Same money, same investments \u2014 one inside a Stocks & Shares ISA, one in a GIA. See the \u00a3 difference after dividend tax and CGT, over your horizon. Free, runs in your browser.","og_url":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/","og_site_name":"AvexAI Blog","article_modified_time":"2026-10-13T15:13:35+00:00","og_image":[{"width":1129,"height":630,"url":"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/09\/isa-vs-gia-calculator-avex.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["WebPage","FAQPage"],"@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/","url":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/","name":"ISA vs GIA Calculator: What the Tax Wrapper Is Really Worth","isPartOf":{"@id":"https:\/\/avexai.io\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#primaryimage"},"image":{"@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#primaryimage"},"thumbnailUrl":"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/09\/isa-vs-gia-calculator-avex.webp","datePublished":"2026-09-30T18:14:29+00:00","dateModified":"2026-10-13T15:13:35+00:00","description":"Same money, same investments \u2014 one inside a Stocks & Shares ISA, one in a GIA. See the \u00a3 difference after dividend tax and CGT, over your horizon. Free, runs in your browser.","breadcrumb":{"@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#faq-question-1790791491228"},{"@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#faq-question-1790791510751"},{"@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#faq-question-1790791533337"},{"@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#faq-question-1790791543817"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#primaryimage","url":"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/09\/isa-vs-gia-calculator-avex.webp","contentUrl":"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/09\/isa-vs-gia-calculator-avex.webp","width":1129,"height":630,"caption":"Two identical jars of coins, one wrapped, illustrating the after-tax difference between an ISA and a GIA"},{"@type":"BreadcrumbList","@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/avexai.io\/"},{"@type":"ListItem","position":2,"name":"Blog","item":"https:\/\/avexai.io\/blog\/"},{"@type":"ListItem","position":3,"name":"ISA vs GIA Calculator"}]},{"@type":"WebSite","@id":"https:\/\/avexai.io\/blog\/#website","url":"https:\/\/avexai.io\/blog\/","name":"AvexAI Blog","description":"","publisher":{"@id":"https:\/\/avexai.io\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/avexai.io\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/avexai.io\/blog\/#organization","name":"AvexAI Blog","url":"https:\/\/avexai.io\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/avexai.io\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/04\/cropped-avex-logo-vertical.webp","contentUrl":"https:\/\/avexai.io\/blog\/wp-content\/uploads\/2026\/04\/cropped-avex-logo-vertical.webp","width":500,"height":142,"caption":"AvexAI Blog"},"image":{"@id":"https:\/\/avexai.io\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Question","@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#faq-question-1790791491228","position":1,"url":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#faq-question-1790791491228","name":"Is an ISA always better than a GIA?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"When you have allowance available and the money is for investing, the ISA side of the comparison never loses \u2014 same investments, strictly less tax. GIAs exist for money beyond the \u00a320,000 annual ISA allowance, which is exactly when this calculator's question matters: how much is that overflow costing?<br>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#faq-question-1790791510751","position":2,"url":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#faq-question-1790791510751","name":"What are the 2026\/27 rates the calculator uses?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Dividends above the \u00a3500 allowance: 10.75% (basic) or 35.75% (higher) \u2014 both rose two percentage points from April 2026. Capital gains above the \u00a33,000 annual exempt amount: 18% or 24%. Inside an ISA, both are zero.<br>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#faq-question-1790791533337","position":3,"url":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#faq-question-1790791533337","name":"Why does the gap grow so fast with dividend yield?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Because dividend tax in a GIA is paid every year, and the tax paid never compounds again. A 4% yield taxed annually costs far more over 20 years than the headline rate suggests \u2014 that's the compounding drag the calculator makes visible.<br>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#faq-question-1790791543817","position":4,"url":"https:\/\/avexai.io\/blog\/isa-vs-gia-calculator\/#faq-question-1790791543817","name":"Is my data private?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes \u2014 the calculator runs entirely in your browser. Nothing you type is uploaded, stored, or sent to any server.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/pages\/721","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/comments?post=721"}],"version-history":[{"count":3,"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/pages\/721\/revisions"}],"predecessor-version":[{"id":798,"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/pages\/721\/revisions\/798"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/media\/719"}],"wp:attachment":[{"href":"https:\/\/avexai.io\/blog\/wp-json\/wp\/v2\/media?parent=721"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}