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Estimate Lifetime ISA contributions and the 25% government bonus for 2026/27. Check first-home and retirement conditions before acting.
· Covers the 2026/27 tax year
Restoring your saved Lifetime ISA inputs…
Allowed range: 0 to 10000 (to 2 decimal places). Annual LISA cap: £4,000; excess is excluded.
Allowed range: 1 to 32 (whole numbers).
Allowed range: 0 to 10000000 (whole numbers).
Saving needs functional-storage consent. Manage saved inputs.
£49,999.50
Across 10 modelled tax years. The pot excludes provider returns and fees.
Share links include your contribution, property and withdrawal assumptions in the URL; URLs are not encrypted.
The monthly amount is annualised and capped at £4,000 for this LISA illustration. Any amount above the annual limit is excluded; it is not redirected to another account.
The 32-year maximum represents a theoretical contribution window from age 18 to 50. This calculator does not check your age, account history or eligibility to contribute.
Same capped annual contribution and 25% bonus in each year; no interest, market growth or fees are added.
Annual values (£; exact to pence, before any provider return or fees)
| Item | Total contributions | Cumulative bonus | Pot without growth |
|---|---|---|---|
| Year 1 | £3,999.96 | £999.99 | £4,999.95 |
| Year 2 | £7,999.92 | £1,999.98 | £9,999.90 |
| Year 3 | £11,999.88 | £2,999.97 | £14,999.85 |
| Year 4 | £15,999.84 | £3,999.96 | £19,999.80 |
| Year 5 | £19,999.80 | £4,999.95 | £24,999.75 |
| Year 6 | £23,999.76 | £5,999.94 | £29,999.70 |
| Year 7 | £27,999.72 | £6,999.93 | £34,999.65 |
| Year 8 | £31,999.68 | £7,999.92 | £39,999.60 |
| Year 9 | £35,999.64 | £8,999.91 | £44,999.55 |
| Year 10 | £39,999.60 | £9,999.90 | £49,999.50 |
Assumes the whole illustrated pot is withdrawn at the end. Charge-free requires a qualifying purpose; the tool does not check eligibility.
Full-pot withdrawal illustration (£; exact to pence)
| Item | Pot before withdrawal | Charge | Net amount |
|---|---|---|---|
| Qualifying charge-free purpose* | £49,999.50 | £0.00 | £49,999.50 |
| Any other withdrawal purpose | £49,999.50 | £12,499.88 | £37,499.62 |
Shows how £0, your entered amount and a £333.34/month cap-check amount change the pot after 10 years. Amount above £4,000 per year does not raise this LISA model.
Contribution sensitivity over 10 years (£; exact to pence)
| Item | Contribution used each year | Total contributions | Total bonus | Pot without growth |
|---|---|---|---|---|
| £0.00 per month entered | £0.00 | £0.00 | £0.00 | £0.00 |
| £333.33 per month entered | £3,999.96 | £39,999.60 | £9,999.90 | £49,999.50 |
| £333.34 per month entered | £4,000.00 | £40,000.00 | £10,000.00 | £50,000.00 |
The 2026/27 £450,000 UK purchase-price condition is not exceeded by your entered target price of £250,000.00. This price comparison does not check first-time-buyer status, the 12-month period, mortgage, main residence, conveyancer, connected-person rule or any other qualification. Conveyancer requirements differ across England, Wales, Scotland and Northern Ireland; no local property transaction tax is calculated.
The modelled bonus is 4.00% of the full entered property price; this is not a required deposit amount.
Estimate the Lifetime ISA contributions and government bonus available under the 2026/27 rules, and compare charge-free and other-purpose full-pot withdrawals.
Monthly contributions are annualised and capped at £4,000 for each modelled tax year. The calculator applies the 25% bonus to the capped amount, assumes the same limits throughout the saving period, and excludes interest, investment growth, provider fees and future rule changes.
The target property price check compares your input with the £450,000 UK Lifetime ISA first-home limit only. It does not establish first-time-buyer status, account age, residence, mortgage, conveyancer or any other withdrawal condition; no local property transaction tax is calculated. A 25% charge is shown for an other-purpose withdrawal, but the calculator does not decide whether your withdrawal qualifies.
Changing an input updates the page URL with your assumptions. URLs are not encrypted; saving inputs on this device requires functional-storage consent.
These GOV.UK sources support the 2026/27 Lifetime ISA limits, bonus, withdrawal conditions and first-home rules.