How to track ISAs and pensions

Track every ISA and pension in Oinkly — Cash, Stocks & Shares, Lifetime, Junior and Innovative Finance ISAs, plus workplace, personal and SIPP pensions.

ISAs and pensions are the tax-friendly parts of your wealth, and they're easy to lose track of across providers. Oinkly brings them into the same view as everything else, with the right fields for each type.

ISAs

An ISA is a tax-free wrapper — you pay no tax on the interest, dividends or growth inside it. Your allowance for 2026/27 is £20,000, shared across all your ISAs, and it resets every 6 April without rolling over. Oinkly covers all five types:

Cash ISA — tax-free savings interest.
Stocks & Shares ISA — investments held tax-free; the value can go up or down.
Innovative Finance ISA — peer-to-peer loans or bonds, tax-free, with your capital at risk and limited FSCS cover.
Lifetime ISA — for a first home (up to £450,000) or retirement, with a £4,000-a-year limit and a 25% government bonus. Take money out for anything else and you lose 25%, which claws back the bonus and a little of your own money.
Junior ISA — a tax-free account for an under-18, £9,000 a year, which the child controls at 16 and can withdraw at 18.

When you add an ISA you can record your planned contribution for the year, and Oinkly tracks it against your allowance. Transfers between providers keep the tax-free status and don't use up this year's allowance — so choose the right funding type when you add money.

Pensions

Oinkly tracks workplace pensions (both the pot-based defined contribution kind and the guaranteed-income defined benefit kind), personal pensions, SIPPs where you choose your own investments, and the State Pension. Add the current value — a rough figure now, refined when your next statement arrives, is far better than a pot left forgotten.

The pension fields explain the rules as you go: the annual allowance (£60,000 for most people) is the most you can usually pay in each year with tax relief; the money purchase annual allowance drops that to £10,000 once you start flexibly drawing; and your access age is the earliest you can usually take money — currently 55, rising to 57 from 2028.

Good to know

From 6 April 2027 the amount you can put in a cash ISA falls to £12,000 for under-65s, though the overall £20,000 ISA allowance stays the same. Oinkly's ISA fields flag the coming National Insurance number requirement too.