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Lifetime ISA Calculator (UK)

Estimate how your Lifetime ISA could grow over time, including the government bonus, based on your contributions and time horizon.

No sign up. UK focused. Results are estimates only.

Lifetime ISA Calculator - Estimate Bonus-Boosted Growth

Use this Lifetime ISA calculator to estimate how your savings — plus the 25% government bonus — could grow over time. A Lifetime ISA (LISA) allows eligible UK savers aged 18–39 to contribute up to £4,000 per year, with the government adding a 25% bonus on contributions.

This tool helps you model how regular contributions, a lump sum and assumed growth rate may impact your final Lifetime ISA value. LISAs can be used towards a first home purchase or accessed from age 60 for retirement.

If you’re comparing with other ISA types, explore our Cash ISA Calculator or Stocks & Shares ISA Calculator. For broader planning and side-by-side scenario modelling, use the Advanced ISA Planner.

New to ISAs? Visit our ISA Guides to understand allowance limits, withdrawal rules and tax treatment.

Lifetime ISA Calculator

Initial lump sum (£)

Monthly contributions (£)

Time horizon (years)

Expected annual return (%)

Estimated Lifetime ISA value after X years

£-

Estimated LISA value

£-

Total contributions

£-

Government bonus earned

Figures shown are rounded to the nearest pound

ISA Plan provides UK-focused educational calculators to support ISA planning. Results are illustrative only and not financial advice.

Advanced planning

Advanced ISA Planner

For those who want a deeper view, the Advanced ISA Planner helps you explore longer-term scenarios, combine different ISA types, including cash ISAs, and model multiple tax years in one place.

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It's designed for users who want more flexibility and insight than a basic calculator can provide.

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  • Combine Cash and Stocks & Shares ISAs

  • Model multiple tax years and allowances

  • Adjust returns, contributions, and time horizons

  • Compare scenarios side by side

Free calculators remain avaliable. No subscription required to get started.

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How to use the Lifetime ISA Calculator​

Use this Lifetime ISA calculator to estimate how your savings could grow over time, including the government bonus. Enter your contributions, time horizon and assumed return to see projected outcomes for first home or retirement planning.

  1. Enter your contributions.

  2. Choose time horizon & return.

  3. Review your projected LISA value.​

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What people often do next

Compare LISA to other ISAs

Many users compare a Lifetime ISA with Cash or Stocks & Shares ISAs to understand which option best suits their goals.

Review ISA allowance usage

After modelling growth, users often check how much of their ISA allowance they've already used this tax year.

Plan across multiple scenarios

Some users explore different contribution levels, time horizons or mixes of ISA types in a single plan.

Lifetime ISA Calculator FAQ's

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