Calculator, live prize checker, portfolio tracker, comparison tools and a community of bond holders — everything in one place.
10 free tools covering calculations, tracking, analysis and community — no other site offers this range.
Monte Carlo simulation showing realistic expected returns, median winnings and probability distributions for any investment amount.
Calculate returns Unique ToolCheck your Premium Bonds against actual NS&I draw results. See if your specific bond numbers have won — updated after every draw.
Check my bondsSide-by-side comparison with savings accounts and ISAs, including real tax implications for basic, higher and additional rate taxpayers.
Compare nowCalculate your real probability of winning the £1,000,000 jackpot based on your holding size and investment period.
See my oddsFind the optimal split between Premium Bonds and savings accounts based on your tax band and total savings amount.
Optimise portfolioTrack your actual Premium Bonds winnings over time and calculate your true annualised return with XIRR methodology.
Track returnsProject your future balance with regular monthly contributions, including reinvestment scenarios and time to reach the £50,000 cap.
Project growthDeep statistical breakdown with percentile distributions, confidence intervals, and probability tables for every prize tier.
View statisticsPrize fund rate history from 1957 to today. See how Premium Bonds returns have changed over nearly 70 years.
Explore historyGet an email each month when Premium Bonds draw results are published, with prize breakdowns and jackpot winners.
We'll email you on draw day with results. Unsubscribe anytime. GDPR compliant.
A community of Premium Bonds holders discussing each monthly draw, sharing wins and comparing results. Join the conversation — it's free.
Results are in! Who's won this month? Share your prizes...
New year, new draws. Checking my bonds at midnight as usual!
Christmas bonus draw — fingers crossed for a big one 🤞
A quick overview of the UK's most popular savings product.
Invest between £25 and £50,000 with NS&I. Each £1 becomes one bond with its own unique number. Your capital is 100% backed by HM Treasury.
Every month, ERNIE generates random winning numbers. Each £1 bond has a 1 in 22,000 chance of winning a prize from £25 to £1 million — completely tax-free.
Use our live prize checker to see if you've won, track your returns with our performance tracker, and discuss results in the forum.
Guides, analysis and comparisons to help you make informed decisions about Premium Bonds.
A data-driven look at whether Premium Bonds make sense for different investment amounts and tax bands.
Head-to-head comparison including tax implications, guaranteed returns and risk factors.
What to expect if you invest the maximum allowed in Premium Bonds, and whether it's the right move.