Built for United Kingdom
These products do not have an equivalent in most other markets, so a global calculator would give the wrong answer.
Cash ISA
Tax-free interest up to the annual ISA allowance.
Lifetime ISA
25% government bonus toward a first home or retirement.
Premium Bonds
NS&I prize draw instead of interest, backed by HM Treasury.
Wrapper vs. plain savings
A rough comparison of holding the same amount inside a local tax wrapper versus an ordinary taxed savings account. Type a rate; this is a sketch, not a quote.
- Local wrapper, flat charge instead of interest tax
- £9,511
- Ordinary savings, interest taxed
- £10,000
Assumptions are shown, not hidden: a 30% tax on interest in the plain account and a 0.5 percentage-point effective charge inside the wrapper. Your own tax position may differ — this is a calculation, not advice.
The matchmaker ranks licensed lenders in this market on the amount and term you asked for. No credit check to browse.
These tools sketch the local wrappers and rails that exist in United Kingdom — not a generic US or UK product list. The numbers are illustrative. A written offer and the local tax rules are what count.
How to use them
Compare a plain savings rate with a wrapper on the same horizon, then open savings or term deposits. Deposit protection is explained in deposit protection in United Kingdom. For the wrapper itself: tax wrappers and savings.
Borrowing is a different page: loan calculator, personal loans, mortgages.