CURRENT POSITION
Not set up yet
Enter a monthly LISA contribution and a number of years to see what the bonus adds.
Saving for Deposit hub
See how you're tracking and what you need to reach your goal.
LISA GROWTH
Set your LISA
Add a monthly contribution and number of years to project your LISA pot. Cap is £333/month.
Contributions
£0
Govt bonus
£0
Interest earned
£0
Total pot
£0
LISA INPUTS
How much LISA, for how long?
Enter your current age to check LISA eligibility — you must be between 18 and 39 to open one, and can contribute until age 50.
LISA is capped at £4,000/year (£333.33/month). The 25% government bonus only applies up to that limit.
LISA contributions cap at age 50 (32-year contributing window). Up to 100 years total.
Cash defaults to 3% / year, stocks to 8% / year. Both are editable below.
NEXT BEST MOVE
Try the cap
Maxing the LISA at £4,000/year adds £1,000/year in government bonus.
Where to go next
Start with your deposit plan
Enter property price, deposit saved, and monthly savings on the Deposit plan tab to see your progress and timeline.
Open Deposit planWITHDRAWAL TEST
What if I take money out early?
Withdrawing from a LISA for anything other than your first home, age 60, or terminal illness triggers a 25% HMRC penalty on the amount withdrawn. That doesn't just remove the 25% bonus — it also takes a slice of your own contributions. Test it here:
GOOD TO KNOW
LISA rules to remember
- £450,000 property cap. The home you buy with the LISA bonus must cost £450,000 or less, anywhere in the UK. Exceed that and the LISA can't fund the purchase without the 25% penalty.
- 25% withdrawal penalty. Taking money out for anything other than a first home, age 60, or terminal illness costs you 25% of the withdrawn amount — more than wipes out the bonus.
- Counts toward your £20k ISA allowance. LISA contributions sit inside the overall £20,000/year ISA limit. Maxing the LISA at £4k leaves £16k for a Cash or Stocks & Shares ISA in the same tax year.
- 12-month hold rule. You can't use the bonus toward a first home until the LISA has been open for at least 12 months. If you're close to buying, open one now even with a small contribution to start the clock.
Want to model your full savings projection separately? Open the compound interest calculator →
Tie this hub to your full plan
The Buyer Planner connects Deposit Strategy, Buying Timeline, and LISA Planner into one tracked plan — with affordability stress-testing and document readiness on top.