Help to Buy ISA — Calculate Your Government Bonus
Calculate the government bonus on your Help to Buy ISA savings. See how your contributions grow with the 25% bonus toward your first home deposit.
Although the Help to Buy ISA closed to new applicants in November 2019 existing account holders can continue saving until November 2029 and claim their bonus by November 2030. The government adds 25% to your savings up to a maximum bonus of £3000 on £12000 saved. For those who already have an account maximizing contributions is still one of the best ways to boost your deposit.
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Key Information
| Parameter | Details |
|---|---|
| Maximum Bonus | £3000 on £12000 saved |
| Bonus Rate | 25% government top-up |
| Maximum Monthly Saving | £200 per month |
| Minimum for Bonus | £1600 minimum savings required |
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Use Calculator NowFrequently Asked Questions
How much bonus will I get on Help to Buy ISA?
The government adds 25% to your Help to Buy ISA balance when you buy your first home. Save £12000 and receive the maximum £3000 bonus. Save £8000 and receive £2000. The minimum balance required to claim any bonus is £1600 which gives a £400 bonus. The bonus is paid directly to your solicitor at completion not into your account.
Can I have a Help to Buy ISA and a LISA?
Yes you can have both but you can only use the government bonus from one of them for the same property purchase. The Lifetime ISA offers up to £1000 bonus annually (25% of £4000) which is more generous. Many people save in both and choose which bonus to use at purchase time. The LISA bonus is generally better for most buyers.
When does the Help to Buy ISA scheme end?
Existing accounts can accept deposits until November 2029. You must claim your bonus by December 2030. After that unclaimed bonuses expire. If you have an account make sure to maximize your £200 monthly contributions and plan your property purchase timeline accordingly to avoid missing the deadline.
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Last updated: March 2026