Premium Bonds odds calculator
See your chances of winning a prize, winning nothing, and the amounts you might win.
What might you win?
Estimated outcomesAround 8 in 10 estimated results fall between 拢0 and 拢100.
The pink final bar includes all larger outcomes, including rare big prizes. These are estimates based on the published prize sizes; the method is explained on our sources page.
Winnings and chances View table
| Total winnings | Estimated chance |
|---|---|
| 拢0 | 56.47% |
| 拢25 | 8.48% |
| 拢50 | 12.32% |
| 拢75 | 1.79% |
| 拢100 | 13.03% |
| 拢125 | 1.94% |
| 拢150 | 2.65% |
| 拢175 | 0.38% |
| 拢200 | 1.49% |
| 拢225 | 0.22% |
| 拢250 | 0.28% |
| 拢275 | 0.04% |
| 拢300 | 0.11% |
| 拢325 | 0.02% |
| 拢350 | 0.02% |
| 拢375 | 0.0029% |
| 拢400 | 0.01% |
| 拢425 | 0.0009% |
| 拢450 | 0.0011% |
| 拢475 | 0.0002% |
| 拢500 | 0.30% |
| 拢525+ | 0.43% |
A prize of 拢1,000 or more
0.20%This is the chance of at least one individual prize of that size or larger, not the chance of several prizes adding up to that amount.
When would my Bonds enter the draw?
Use the date NS&I accepted the purchase. Normal purchases wait one full calendar month. Automatically reinvested prizes enter the next draw.
Check the official rulesEnter a purchase date to see the first eligible draw.
How this Premium Bonds calculator works
Enter the amount eligible for the draw and how many monthly draws to compare. The calculator uses the selected month鈥檚 published prize table to show the chance of at least one prize, the chance of no prizes and expected winnings.
Expected winnings are an average across all possible outcomes, including rare large prizes. The median is the middle estimated result. Neither is a promise of what you will win.
A worked example
With a 拢1,000 eligible holding over 12 draws using October 2026鈥檚 prize fund and odds throughout, expected winnings are 拢43.50. The chance of at least one prize is 43.53%; the chance of no prizes is 56.47%. Rates, odds and prize amounts can change. This is a comparison using that month鈥檚 figures, not a prediction for the coming year.
What counts as eligible?
Use the amount actually entered in each draw. A recent purchase may still be waiting to qualify. The date helper above explains the waiting period; always confirm your holding and eligibility with NS&I.
Your inputs stay in the browser. This calculator does not check Bond numbers or confirm a prize. Use NS&I鈥檚 official prize checker for that.