How long until I can buy?
Enter what you've saved and what you put away each month to see a real target date, including the 25% Lifetime ISA bonus if you use one.
What is a Lifetime ISA?
A savings account for your first home (or retirement). The government tops up what you pay in by 25%. The catch is the rules:
- Open it between 18 and 39; pay in until you're 50.
- Pay in up to £4,000 a year for up to a £1,000 bonus.
- It must be open at least 12 months before you buy.
- The home must cost £450,000 or less.
- Take money out for anything else and you lose 25% — usually more than the bonus.
Useful, official links
- GOV.UK: Lifetime ISA ↗The official Lifetime ISA rules, limits and bonus.
- MoneyHelper ↗The government's free, impartial money guidance service.
Set a deposit goal
Enter a home price or a deposit goal above.
We'll show how long it'll take to save it at your current pace.
A guide based on steady saving. It doesn't assume interest or house-price changes.
How we worked this out
What we assumed
- Set a deposit goal or a price above to aim at.
- Adds your £0 saved so far to £0/month, kept up at a steady pace.
- Includes the 25% Lifetime ISA bonus on up to £4,000 saved a year (max £1,000/yr).
A guide based on steady saving — it doesn't assume any interest, investment growth or house-price changes.
Where the numbers come from
Last checked 15 June 2026. These are guidance figures, not a quote or financial advice.
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