Lifetime ISA Calculator
Estimate your Lifetime ISA growth, government bonuses, and withdrawal outcomes. This is an estimate — update policy parameters as laws change.
⚠️ Estimates only. Policy rules (bonus rate, limits, penalties, qualifying conditions) may change — update the config and consult official guidance before making financial decisions.
Input Parameters
Optional: increase contributions each year
Used to show real (inflation-adjusted) values
⚙️ Admin Configuration (Policy Parameters)
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DEMO VALUES — Update these if legislation changes.
Default: 25% (£1 bonus per £4 contributed)
Max contribution attracting bonus per tax year (default: £4,000)
Penalty on non-qualifying withdrawals (default: 25%)
Age for penalty-free retirement withdrawals (default: 60)
Minimum for first home purchase (typically none, set to 0)
Maximum property price for LISA bonus (default: £450,000)
💾 Saved Scenarios
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Summary
Total Contributions
£0
Government Bonus
£0
Interest Earned
£0
Final Balance
£0
Cash Received After Withdrawal
£0
Year-by-Year Breakdown
| Year | Contribution | Bonus Earned | Interest Earned | End Balance | Bonus Allowance Left |
|---|
Growth Visualization
Balance Over Time
This chart shows how your LISA balance grows over time, with separate lines for contributions only, contributions plus bonuses, and total balance including interest.
Annual Breakdown
This chart breaks down each year's composition: contributions, government bonuses, and interest earned.
Final Balance Composition
This chart shows the percentage breakdown of your final balance: your contributions vs government bonus vs interest earned.
