It’s what we're good at. And what we care about the most. We put saving front and centre: and absolutely nothing else.
Answer a few confidential questions to calculate your exact HMRC allowances, simulate your statistical win odds, and uncover your bespoke tax-shielding strategy.
Choose the area of government-backed savings you wish to model for the 2026/27 tax year:
Specify your intended holding and primary wealth preservation objective.
To provide an accurate optimization strategy, we carefully assess your tax status and prior experience with NS&I.
Cross-referencing parameters with HMRC 2026/27 guidelines...
From guaranteed growth to tax-free prizes and easy access cash, choose the right product backed by HM Treasury.
Guaranteed growth for your savings. Lock in a high fixed return (4.99%–5.17% AER for Growth Bonds) with 100% security on up to £1,000,000 per person.
Monthly prize draws where you could win £25 up to £1,000,000 tax-free. Save from £25 up to the £50,000 legal limit.
Simple online and phone savings with flexible withdrawals whenever you need your cash. Save from just £1.
Build a secure financial nest egg for children under 18. All interest is completely tax-free and locked safely until adulthood.
Every month, ERNIE 5 generates over 5.8 million prize winners across the UK, sharing more than £450 million in tax-free prizes. Check your bond holder number right now.
Tip: You can find your holder's number on your Bond record or in the NS&I app.
National Savings and Investments has backed Britain’s savers for more than 160 years.
Unlike commercial banks where FSCS protection is strictly capped at £120,000, 100% of your money in NS&I is backed directly by HM Treasury.
Premium Bonds prize draws use quantum optical randomness, ensuring 100% independent and statistically verifiable fairness for every monthly draw.
Every single prize won with Premium Bonds is 100% exempt from UK Income Tax and Capital Gains Tax. You keep every single penny you win.