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.

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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.

Risparmio e Depositi Immobili e Proprietà Acquisto Prima Casa

Parametri di Input

In tempo reale

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

Selezione rapida:

Years Saving Until Home Purchase / Age 605 yrs

1 yrs25 yrs

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

1 %9 %

Risultato CalcolatoLifetime 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

Dettaglio del Calcolo

Your Savings

£20,000

25% Gov Bonus

£5,000

Compound Growth

£2,628

Total Deposit Fund

£27,628

Metodologia di Calcolo

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

Disclaimer Legale e Informativo

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).

Questo calcolatore è progettato solo a scopo educativo e informativo. I risultati non costituiscono una consulenza finanziaria o legale vincolante.

Domande Frequenti

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

Parametri di Input

Dettaglio del Calcolo

Metodologia di Calcolo

Disclaimer Legale e Informativo

Domande Frequenti

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