UK ISA & Lifetime ISA (LISA) 25% Bonus Calculator
Project compound investment returns inside a tax-free Stocks & Shares ISA (£20,000 limit) and maximize the £1,000 annual government bonus inside a Lifetime ISA.
Project compound investment returns inside a tax-free Stocks & Shares ISA (£20,000 limit) and maximize the £1,000 annual government bonus inside a Lifetime ISA.
Project compound investment returns inside a tax-free Stocks & Shares ISA (£20,000 limit) and maximize the £1,000 annual government bonus inside a Lifetime ISA. Calculate exact, penny-accurate projections compliant with 2026 HMRC • Bank of England standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Government adds +£1,000/year free (25% instant bonus)!
Total LISA = (Contribution + 25% Government Bonus) × (1 + r)^n | ISA = Contribution × (1 + r)^nUp to £4,000 of the annual £20,000 ISA allowance can be deposited into a Lifetime ISA (LISA), earning a 25% government bonus (up to £1,000/year). All investment returns grow 100% tax-free from Income Tax and Capital Gains Tax.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual HMRC tax bands, National Insurance contributions, Bank of England base rates, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a qualified financial advisor, CPA, or official HMRC documentation prior to executing financial commitments.
Unless withdrawing for a qualifying first home purchase (up to £450,000) or after age 60, a 25% government withdrawal charge applies. Because 25% is deducted from the gross enlarged balance, you effectively lose the government bonus plus approximately 6.25% of your personal deposits.
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