Lifetime ISA Calculator
See Your 25% Government Bonus in Action
Enter your details to see how your Lifetime ISA could grow — including the free government bonus added to every contribution.
What are you saving for?
Your Contributions
£
⚠ The Lifetime ISA allowance is £4,000/year — maximum £333/month. Contributions above this are not permitted.
⚠ You must be aged 18–39 to open a Lifetime ISA.
Expected Growth Rate (applies to Stocks & Shares LISA only)
The government adds a 25% bonus to every contribution — up to £1,000 free per year. This is included automatically in your projection below.
I understand: This calculator provides an illustration only and does not predict actual returns. Investment values can go down as well as up. Early or non-qualifying withdrawals incur a 25% penalty. This is not financial advice.
Please tick the box above before calculating.
Illustrative Lifetime ISA Pot
£0
Illustrative only · not a forecast
You Contribute
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Govt Bonus
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Illustrative Growth
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Years Invested
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How Your Pot Builds Up
Your contributions
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🆕 Government bonus (25%)
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Illustrative investment growth
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Estimated total pot
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⚠ Important — early withdrawal penalty: If you withdraw funds for any reason other than buying your first home or retirement (age 60+), a 25% penalty applies to the full withdrawal amount — including the bonus. This means you could receive back less than you originally contributed. Only open a Lifetime ISA if you are confident you can commit funds until your qualifying event.
Now Find the Best Lifetime ISA Provider
Providers vary on fees, interest rates, and investment options. See our independent comparison of the best Lifetime ISAs to make sure you choose the right one for your goal.
Compare Lifetime ISA Providers →Independent comparison · Updated regularly
Important: These figures are for illustrative purposes only and do not constitute financial advice. The government bonus is based on current HMRC rules (25% on contributions up to £4,000/year) and may be subject to change. Investment growth figures assume a constant annual return and do not account for platform fees, fund charges, or tax changes. Actual returns will vary. The value of investments can go down as well as up — you could get back less than you invest. Withdrawals before age 60 for non-qualifying purposes incur a 25% penalty on the full withdrawal amount, which may result in receiving back less than your original contributions. Capital at risk. If you are unsure whether a Lifetime ISA is right for you, please seek advice from an FCA-authorised financial adviser.
Eligibility: You must be aged 18–39 (UK tax resident) to open a Lifetime ISA. Contributions can be made until age 50. The £4,000 annual contribution limit counts toward your overall £20,000 ISA allowance.
Eligibility: You must be aged 18–39 (UK tax resident) to open a Lifetime ISA. Contributions can be made until age 50. The £4,000 annual contribution limit counts toward your overall £20,000 ISA allowance.