Bondpilot

Should your money be in Premium Bonds, a savings account or a cash ISA? Bondpilot runs your holding through NS&I's real prize table (October 2026 draw, live), simulates thousands of years of draws, applies your actual UK savings tax, and tells you the best split in pounds.

Rates prefilled are examples; type the rates you can actually get. Nothing personal is stored beyond the numbers above.

What it does that a calculator page doesn't

  1. Reads NS&I's live monthly prize allocation (6,546,849 prizes, £498,378,775 this draw; implied 4.35% vs headline 4.35%, odds 21,000 to 1).
  2. Simulates 12 monthly draws thousands of times for your exact holding, so you see the typical year, the bad year and the chance of winning nothing, not just the headline rate.
  3. Works out your real tax on extra interest: unused Personal Allowance, the £5,000 starting rate for savings, your Personal Savings Allowance, the £100k taper trap.
  4. Searches every split of your money across cash ISA, savings and Bonds and shows the one that pays most, plus the break-even savings rate that would beat your Bonds.

Prize table JSON · Sample report