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PARTLY

As of 13 August 2026, AI can only partly check how much of your UK ISA allowance you have left.

This still needs a person who signs their name to it.

Can you do it?

5 minutesto a draft.

30 minutesto something you’d act on.

Cost, all in£0

Skill neededchat-fluent

Who has to check ityou

What the alternative costsEmma is a budgeting app with an AI assistant across your UK accounts, while you still need ISA provider records to confirm subscriptions.

If this goes wrong: you rely on an incorrect remaining-allowance figure and have to resolve the resulting problem with your ISA provider or HMRC.

What to actually do

  1. Hand it to a person

    The route this page recommends

    A person who owns the outcome does this end to end, worth it when the failure is dear.

  2. Use a tool built for this

    Second choice

  3. Do it yourself

    The distant third

    A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

    How to actually do it

    1. Open the current ISA guidance on GOV.UK and note the tax year and rules that apply as at 2026-08-13.
    2. Open each ISA provider app or statement and gather the provider name, ISA type, transaction date, amount, and whether each entry was a new subscription or a transfer.
    3. Check for any ISA subscriptions made through another provider during the same tax year and add those records to the same list.
    4. Paste the records and the GOV.UK link into a chatbot with the supplied prompt, keeping each transaction identifiable by provider and date.
    5. Ask the chatbot to highlight missing or ambiguous entries rather than estimating them, then obtain the missing details from the relevant provider.
    6. Compare the final total and treatment of transfers against the provider records and current GOV.UK guidance before relying on the remaining figure; ask a tax adviser about a serious or disputed case.

    Prompt

    Help me calculate how much of my UK ISA allowance remains for the tax year ending on [TAX YEAR END DATE]. Use only the transactions and account details I provide below. Separate each ISA provider and show every subscription included in the total, with its date and amount. Treat transfers separately from new subscriptions and flag any transaction whose treatment is unclear. Do not invent missing figures, dates or rules. If browsing is available, check the current GOV.UK ISA guidance as at 2026-08-13 and provide the GOV.UK link; if browsing is not available, say that the rules need confirming on GOV.UK. Show the calculation step by step, state what information is missing, and give a result only where the supplied records support it. Do not tell me to make a particular investment or give professional advice. My records: [PASTE PROVIDER RECORDS, STATEMENTS AND TRANSACTION DETAILS HERE]

    Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.

What it gets wrong

  • AI cannot see subscriptions held with providers whose records you have not supplied.
  • AI cannot know whether a transaction is a transfer or a new subscription unless the records establish that clearly.
  • AI cannot guarantee that its ISA rules are current, so the allowance and treatment must be checked against GOV.UK.
  • AI cannot resolve a discrepancy between providers or HMRC; you must contact the relevant organisation.
  • The calculation does not transfer responsibility for any action you take.

What caps this at PARTLY: private data access, verification cost and stakes of error.

How we scored this

Five axes, each scored nought to two by hand: ten means AI carries the task cleanly, and the thresholds that turn a total into YES, PARTLY or NO are published in the methodology. Each axis name links to its definition.

AxisScore (0–2)
Output2
Inputs1
Verification1
Liability1
Effort delta1
Total6 / 10

The methodology and its thresholds are published in full.

FAQ

Can AI tell me how much ISA allowance I have left?
Partly. AI can total the subscriptions you provide and show the calculation, but it cannot reliably know about accounts or transactions you have not supplied. Check the result against your providers and current GOV.UK guidance.
What information does AI need to calculate my remaining ISA allowance?
Give it records for every relevant ISA, including provider, date, amount, ISA type and whether each transaction was a new subscription or a transfer. Include the tax year and flag anything missing instead of allowing the tool to estimate it.
Can I connect AI to my bank to check my ISA allowance?
Some budgeting tools can work across connected UK accounts, but an account connection does not make the allowance calculation authoritative. You still need to confirm the entries and their treatment with the ISA providers.
Is it safe to use AI to check my ISA allowance?
It is suitable for organising records and doing a transparent calculation, not as the final authority. This is not professional advice, and a serious or disputed case needs a tax adviser.

Nearby answers

All Savings & investing basics rulings

Assessed by gpt-5.6-luna (gpt-5.6-luna) on 2026-08-13, second-checked by an independent model. Wrong somewhere? Email [email protected] and it gets re-checked.

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