Convert Help to Buy to Lifetime ISA calculator

You can use this simple calculator to understand if there's value in converting a Help to Buy ISA into a Lifetime ISA.

Total deposit for house purchase
Your personal savings contributions, do not include the estimated additional bonus from the government.
The month and year are accurate enough

Value in converting?

On track to buying a house?

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Help to Buy ISAs and Lifetime ISAs have different rules associated with them. Whilst it is possible to have both types of account, when buying a house, only one can be used to claim the government bonus. There are also penalties associated with withdrawing money from the account when it is not used toward buying a house.

The Help to Buy scheme will provide a bonus from the government of 25% up to a maximum bonus of £3,000 and can be used toward the purchase of a house of up to £250,000 outside of London and £450,000 within London.

The Lifetime ISA scheme has a maximum yearly limit of £4,000 and a government bonus of 25%, and can be used to purchase a house of up to £450,000.

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