Savings & Investments
See how the 25% government bonus supercharges your savings for a first home or retirement. Up to £1,000 free money per year.
Penalty-free use on first home up to £450,000
Must be 18–39 to open a Lifetime ISA
Maximum £4,000 per year. Bonus capped at £1,000/year.
Use 0% for a Cash LISA; 5-7% for a Stocks & Shares LISA
Final LISA value
£29,010
At age 30 · 5 years of contributions · £5,000 government bonus
Your contributions
£20,000
Over 5 years
Government bonus
£5,000
25% on contributions
Investment growth
£4,010
At 5% per year
| Age | Contribution | Bonus | Growth | Value |
|---|---|---|---|---|
| 26 | £4,000 | +£1,000 | +£250 | £5,250 |
| 27 | £4,000 | +£1,000 | +£513 | £10,763 |
| 28 | £4,000 | +£1,000 | +£788 | £16,551 |
| 29 | £4,000 | +£1,000 | +£1,078 | £22,628 |
| 30 | £4,000 | +£1,000 | +£1,381 | £29,010 |