Work out your total government bonus and grand total savings from Lifetime ISA contributions.
| Total you've saved | £0 |
|---|---|
| Total government bonus (25%) | £0 |
This tool adds up your contributions and the 25% government top-up to show what a Lifetime ISA is really worth over time. Its main limitation is that it ignores any interest or investment growth on the money itself — a stocks-and-shares LISA or a cash LISA paying interest will do better than this simple sum, so treat the total as a floor, not a forecast.
The Lifetime ISA is for first-time buyers (property up to £450,000) or for retirement. Withdraw for any other reason before age 60 and you pay a 25% early withdrawal penalty — this claws back not just the government bonus but a slice of your own money too. This calculator is illustrative only and does not constitute financial advice. Always confirm figures with a lender, broker or HMRC before making a decision.
Property Pundit UK