Stable Numbers
Lifetime ISA Bonus Calculator
Model contributions, the 25% government bonus, growth and fees for a Lifetime ISA. Cap to the £4,000 yearly limit, choose monthly or lump sums, and see the real-terms value. Includes an early withdrawal charge estimator, a share link and CSV export.
LISA can be funded from 18 up to your 50th birthday.
Applied each month. Capped so that yearly totals do not exceed the allowance.
Assumed paid at the start of each tax year.
Default £4,000. The 25% bonus applies to contributions within this cap.
Used for month labels. Tax years run 6 April to 5 April.
Growth, fees and inflation
Timing affects how long cash spends in the market each month.
Early withdrawal estimator
Use 1 for after the first funded year. For a first-home purchase or after age 60, the charge does not apply.
The 25 percent charge is on the whole withdrawal, not just the bonus. With a simple contribute-then-withdraw cycle the effective loss is about 6.25 percent of your own contributions.
Show yearly schedule
| Year | Your contributions | Government bonus | Fees | Growth | End value | Real value |
|---|---|---|---|---|---|---|
Annual view. Bonus is 25 percent of contributions within the allowance. Internally the model compounds monthly for growth and fees.
About this calculator
A Lifetime ISA adds a 25 percent government bonus to your contributions up to £4,000 per tax year, so up to £1,000 of bonus annually. You can add money from age 18 until you reach 50. Withdrawals are penalty-free for a first-home purchase that meets the rules or any time from age 60. Other withdrawals normally attract a 25 percent charge on the amount you take out. That charge removes the bonus and a slice of your own money, which is why the effective loss is about 6.25 percent if you contribute then withdraw early without growth.
This calculator caps each tax year’s contributions to the allowance and applies the 25 percent bonus on the amount that qualifies. Growth and fees compound monthly. If you set a start date you get neat labels for reviews. The real-terms figure divides the nominal balance by cumulative inflation to show the spending value in today’s pounds. Treat the growth rate as an assumption. Fees are near certain, so they matter. Always check current LISA rules for eligibility, property price caps and provider processes before committing.
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