Help to Buy ISA Calculator | Tools for saving

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25 %

tax-free bonus from the Government, plus interest

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

Start now

How much have you saved into your ISA as an initial lump sum?
£

£1 £1,200

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

How much can you comfortably save each month?
£

£0 £200

CarYou can save up to £200 each month. For every £200 you save, the Government will contribute £50.
In how many years time do you want to buy your first home?
year(s)

1 year 15 years

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Initial Lump Sum £2
Monthly Contribution £0
Within 3 years

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Total amount towards deposit

£NaN.75

Your Help to Buy: ISA balance

Your total contribution
£NaN

Your 25% Government bonus
£0

After NaN years

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 have a Help to Buy: ISA – that’s up to £6,000 bonus between you if you're both first time buyers.

Your total* after NaN years £0

Maximum eligibility for bonus

Minimum eligibility for bonus

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

£0 Total Contribution

£0 Government bonus

To get the 25% bonus save £1,600

To total £0 save£12,000, get £3,000

£0 Total Contribution

£0 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.

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Your Help to Buy: ISA breakdown

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

	Contribution	Running total
Initial lump sum(1)	£2	£2
Year 1 (2)	£1,200 (£0)	£1,700 + interest
Year 2	£1,200 (£0)	£2,900 + interest
Year 3	£1,200 (£0)	£2,900 + interest
Year 4	£1,200 (£0)	£2,900 + interest
Year 5	£1,200 (£0)	£2,900 + interest
Year 6	£1,200 (£0)	£2,900 + interest
Year 7	£1,200 (£0)	£2,900 + interest
Year 8	£1,200 (£0)	£2,900 + interest
Year 9	£1,200 (£0)	£2,900 + interest
Year 10	£1,200 (£0)	£2,900 + interest
Year 11	£1,200 (£0)	£2,900 + interest
Year 12	£1,200 (£0)	£2,900 + interest
Year 13	£1,200 (£0)	£2,900 + interest
Year 14	£1,200 (£0)	£2,900 + interest
Year 15	£1,200 (£0)	£2,900 + interest
25% Gov. bonus	£0	£2 + interest
Total		£2 + 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 AIB Trust Help to Buy: ISA and a AIB Trust Cash ISA at the same time. Just remember that you have a total of £20,000 tax-free allowance that you can save this tax year.