Child Trust Fund Calculator — Check What Your CTF Is Worth
Estimate the maturity value of your Child Trust Fund. See how your CTF has grown and what happens when you turn 18 and can access the money.
Child Trust Funds were long-term savings accounts for children born between 1 September 2002 and 2 January 2011. The government provided a £250 voucher (£500 for low-income families) at birth and age 7. Now that CTF holders are turning 18 many are discovering accounts worth £1000-£3000+ depending on whether additional contributions were made. Over 6 million accounts exist with approximately £9 billion in total savings.
Calculate Now
Key Information
| Parameter | Details |
|---|---|
| Government Voucher (Birth) | £250 (£500 low-income) |
| Government Voucher (Age 7) | £250 (£500 low-income) |
| Total Government Contribution | £500 - £1000 |
| Access Age | 18 years old |
Check your CTF value
Get accurate results instantly — 100% free, no signup required
Use Calculator NowFrequently Asked Questions
How much is my Child Trust Fund worth?
With only the government vouchers (£500 total) and no additional contributions: in a cash CTF at 3% average interest the balance is approximately £750-£850. In a stocks and shares CTF at 7% average: approximately £1200-£1800. If parents contributed £100/month additionally the balance could be £15000-£25000 depending on investment type and duration.
How do I find a lost Child Trust Fund?
Contact HMRC online at gov.uk to trace your CTF. You need the child National Insurance number (received at age 16) and personal details. HMRC will tell you which provider holds the account. Many CTF accounts are with providers the parents chose years ago and the child may not even know the account exists. Over £2 billion sits in unclaimed CTFs.
What can I do with my CTF at 18?
At 18 you can: withdraw all the money (tax-free) transfer to an adult ISA (Stocks and Shares or Cash ISA) to continue tax-free growth keep it invested in the CTF (though no further contributions allowed) or a combination. Financial advisors recommend transferring to a Stocks and Shares ISA rather than withdrawing as the money continues growing tax-free.
Related Calculators
Last updated: March 2026