Help to Buy ISA — Calculate Your Government Bonus — UK 2026
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.
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.
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Understanding Your Investment Returns
This calculator projects your returns using compound interest, where your earnings generate their own earnings over time. The power of compounding means that even small regular investments can grow into substantial wealth over long periods. For example, investing just Rs 5,000 per month at 12% expected returns for 25 years can grow to over Rs 1 crore — of which only Rs 15 lakh is your own money and Rs 85 lakh is compounding returns. The key factors that determine your final corpus are: the amount invested, the rate of return, the duration of investment, and the frequency of compounding.
Important Considerations
Past returns do not guarantee future performance, especially for market-linked instruments like mutual funds and equities. The returns shown are estimates based on the rate you enter. Equity investments carry market risk but have historically delivered 12-15% CAGR over 15+ year periods in India. Fixed income options like PPF (7.1%) and FD (6-7.5%) offer lower but more predictable returns. Diversifying across asset classes — equity, debt, gold, and real estate — reduces overall portfolio risk while optimizing returns for your risk tolerance.
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.
What is compound interest and why does it matter?
Compound interest means you earn interest on your interest, not just your principal. Over long periods, this creates exponential growth — even small regular investments can grow into substantial wealth over 15-25 years.
Should I invest regularly or as a lump sum?
Regular investing (dollar-cost averaging) smooths out market volatility by buying at various price points. Lump sum investing works better if markets are undervalued. For most people, regular monthly investing is simpler and more disciplined.
How much should I invest monthly to reach my goal?
The amount depends on your target, timeline, and expected returns. Use this calculator to model different scenarios. The key factors are starting early, investing consistently, and reinvesting returns.
Are investment returns taxable?
Tax treatment varies by investment type and country. Capital gains, dividends, and interest income may be taxed differently. Consult a tax professional for advice specific to your situation and jurisdiction.
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Last updated: March 2026