Answers · UK 2025/26
How much can I put in a Lifetime ISA each year?
You can contribute up to £4,000 per tax year into a Lifetime ISA, receiving a 25% government bonus of up to £1,000. The £4,000 counts toward your overall £20,000 ISA allowance.
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The Lifetime ISA (LISA) annual contribution limit is £4,000 per tax year. HMRC adds a 25% bonus on everything you pay in, up to £1,000 per year. You must be aged 18–39 to open a LISA, but once open you can contribute until you turn 50. The £4,000 counts toward your overall £20,000 annual ISA allowance. Qualifying uses are: buying your first home (property up to £450,000) or retirement after age 60. Withdrawing for any other reason triggers a 25% penalty that claws back the bonus and about 6.25% of your own money. Over 32 years of maximum contributions (ages 18–50) you could accumulate £128,000 in bonuses alone — a powerful boost for first-time buyers and retirement savers. Use the Lifetime ISA calculator to model your projected pot.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.