What is the government bonus limit on a LISA?

You can deposit up to £4,000 each tax year and receive a 25% free government bonus (up to £1,000 per year).

What is the penalty for withdrawing from a LISA for non-qualifying reasons?

Withdrawing for reasons other than buying a qualifying first home (≤ £450k) or reaching age 60 incurs a 25% government withdrawal penalty.

Royaume-UniLifetime ISA (25% LISA Government Bonus)Finance

UK Lifetime ISA (LISA) 25% Government Bonus & First Home Calculator

Calculate your 25% free UK government bonus (up to £1,000/year on £4,000 maximum deposit) for first-time home buyers purchasing property up to £450,000 or saving for retirement age 60.

Épargne et Dépôts Immobilier et Propriétés Primo-Accédants

Données du Simulateur

En temps réel

Annual LISA Deposit Amount (£ - Max £4,000/yr)

Sélection rapide :

Years Saving Until Home Purchase / Age 605 yrs

1 yrs25 yrs

Annual Cash Interest / S&S Growth Rate (%)4.5 %

1 %9 %

Résultat CalculéLifetime ISA (25% LISA Government Bonus)

Total LISA House Deposit Fund (Your Savings + 25% Gov Bonus + Interest)

£27,628

Total 100% Free UK Government Bonus Money Received

£5,000

Your Out-of-Pocket Cash Saved

£20,000

Détail du Calcul

Your Savings

£20,000

25% Gov Bonus

£5,000

Compound Growth

£2,628

Total Deposit Fund

£27,628

Méthodologie de Calcul

Annual Gov Bonus = Annual Deposit * 25% (Max £1,000/yr). Total LISA Growth compounded with investment return over saving period.

Avertissement Légal et Pédagogique

Must be aged 18 to 39 to open. Withdrawing for non-qualifying purposes incurs a 25% government penalty (which recoups the bonus plus ~6.25% of your original savings).

Ce simulateur est conçu à des fins éducatives et informatives. Les résultats ne constituent pas un conseil financier, fiscal ou juridique contraignant.

Foire Aux Questions

Yes. If both are first-time buyers buying a property for £450,000 or less, both can combine their LISA funds and bonuses toward the deposit.

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Royaume-Uni

UK Lifetime ISA (LISA) 25% Government Bonus & First Home Calculator

Données du Simulateur

Détail du Calcul

Méthodologie de Calcul

Avertissement Légal et Pédagogique

Foire Aux Questions

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