Lifetime ISA · 2025/26
Lifetime ISA Bonus by Contribution
The UK government adds a 25% bonus on every Lifetime ISA contribution, up to £4,000 per tax year — a maximum bonus of £1,000 a year. Pick a contribution amount below to see the exact bonus, a worked example, eligibility rules and withdrawal restrictions.
Choose a contribution amount
How the LISA bonus works
A Lifetime ISA (LISA) is a UK government scheme to help under-40s save for a first home or retirement. For every £4 you contribute, HMRC adds £1 — a 25% bonus paid monthly to your LISA provider. You can pay in up to £4,000 a tax year, earning up to £1,000 in bonus money, and you can keep contributing until your 50th birthday.
Withdrawals are penalty-free only for: (1) a first home costing £450,000 or less (after holding the LISA at least 12 months), (2) reaching age 60, or (3) terminal illness. Any other withdrawal triggers a 25% government penalty that claws back the bonus plus about 6.25% of your own capital.
LISA contributions count toward the overall £20,000 annual ISA allowance, leaving up to £16,000 for cash, stocks & shares or innovative finance ISAs in the same tax year.