Help to Buy ISA Calculator

Content section starts
25 %
tax-free bonus from the UK Government, plus interest
You can save up to £200 each month. For every £200 you save, the UK Government will contribute £50.
  • £
    £1 £1200

    You can make an initial lump sum of up to £1,200 in the first calender month of opening your ISA.

    £
    £0 £200

    You can save up to £200 each month. For every £200 you save, the UK Government will contribute £50.

  • year(s)
    year(s)1 year(s)15

OK! Your results need tweaking to get the bonus

Thanks! Here's how you can save towards your deposit

Good news! You'll get the maximum bonus

  • Initial Lump Sum £1200
  • Monthly Contribution £200
  • Within 5 Years
Edit
  • £
    £1 £1200
  • £
    £0 £200
  • year(s)
    year(s)1 year(s)15
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The amount you’ve entered won’t qualify for the UK Government bonus.
Try changing your details.

Total amount towards deposit
£37.75
Your Help to Buy: ISA balance
  • Your total contribution
  • £12,000
  • Your 25% UK Government bonus
  • £3,000
  • After 4 years,6 months

Seize the opportunity to get a £50 tax-free bonus for every £200 you save towards your first home.

Remember, if you’re buying with a partner, you can both get a Help to Buy: ISA – that’s up to £6,000 bonus between you if you're both first time buyers.

You are below the £1,600 bonus threshold

You would need to save at least £1,600 to get the 25% UK Government bonus, which would be £400.
To get the full £3,000 bonus, you will need to save £12,000. To do this in the quickest way, you’ll need to open your ISA with an initial lump sum of £1,200, and save a minimum of £200 each month for four years, six months.

Compare your results with what you could be getting
Congrats! You'll get the maximum bonus
Your total* after 2 years £3,625
Maximum eligibility for bonus
Minimum eligibility for bonus

*This calculation doesn’t include interest. So you could reach your goal quicker than shown here.

  • £2,900 Total Contribution
  • £725 Government bonus
To get the 25% bonus save £1,600
To total £3,625 save£12,000, get £3,000
  • £2,900 Total Contribution
  • £725 Government bonus
  • Minimum eligibility for bonus
  • Maximum eligibility for bonus

*This calculation doesn’t include interest. So you could reach your goal quicker than shown here.

Your Help to Buy: ISA breakdown

This is how your savings will grow over the timescale you've chosen.
The 25% UK Government bonus is made on your total amount, which includes the internet you earn too.

  Contribution Running total
Initial lump sum(1) £500 £500
Year 1 (2) £1,200 100) £1,700 + interest
Year 2 £1,200 100) £2,900 + interest
Year 3 £1,200 100) £2,900 + interest
Year 4 £1,200 100) £2,900 + interest
Year 5 £1,200 100) £2,900 + interest
Year 6 £1,200 100) £2,900 + interest
Year 7 £1,200 100) £2,900 + interest
Year 8 £1,200 100) £2,900 + interest
Year 9 £1,200 100) £2,900 + interest
Year 10 £1,200 100) £2,900 + interest
Year 11 £1,200 100) £2,900 + interest
Year 12 £1,200 100) £2,900 + interest
Year 13 £1,200 100) £2,900 + interest
Year 14 £1,200 100) £2,900 + interest
Year 15 £1,200 100) £2,900 + interest
25% Gov. bonus £3,00 £15,000 + interest
Total   £15,000 + interest

(1) The initial lump sum is capped to £1,200 in the first month.
(2) These are your contributions for the twelve months after your initial lump sum.

Already have a Cash ISA

You can pay into a NatWest Help to Buy: ISA and a NatWest Cash ISA at the same time. Just remember that you have a total of £15,240 tax-free allowance that you can save this tax year.

Apply now

Seize the opportunity to get a £50 tax-free bonus for every £200 you save towards your first home.

Remember, if you’re buying with a partner, you can both get a Help to Buy: ISA – that’s up to £6,000 bonus between you if you are both first time buyers.

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