Premium Bonds Calculator
Your holding
Estimate the average annual prize money on your Premium Bonds, and project it over time.
Current rate:
Reinvesting buys more bonds (up to the £50,000 limit), so future prizes grow.
Premium Bond prizes are always tax-free. Savings interest may be taxed above your Personal Savings Allowance.
Average annual prizes
on a holding at
- Average per month
- Effective tax-free yield
- Projected prizes over y
- Holding after y
What you'll actually win
The figures above are the average. Prizes are random and the smallest is £25, so most holders win less than the average - especially with smaller holdings. There is no guaranteed return.
PB avg / yr (tax-free)
savings / yr (after tax)
Estimate only, based on the published prize-fund rate. Prizes are not guaranteed.
Projected average growth
Assumes you win exactly the average every year - the long-run trend, not any single year's luck.
| Year | Avg prizes | Cumulative prizes | Holding |
|---|---|---|---|
Compare saved scenarios
| Scenario | Avg / yr | Avg / mo | Over term | |
|---|---|---|---|---|