Premium Bonds luck calculator

How lucky have your
Premium Bonds been?

Compare your prizes with the average, then share your luck score.

Your figures

Use the balance eligible for these draws. If it changed, add monthly amounts.

Draw history available: January 2025 – October 2026.

Private. No account needed. Your figures stay in this browser.

Example luck score

Example: £10,000 held, £550 won.

Luck score149
Above average

149% of expected winnings

100 matches the average
Your winnings£550.00
Expected winnings£368.33
Nov 2025 – Oct 2026+£181.67 vs expected

Based on the NS&I results for these months.

How unusual is this?

For this balance and period, the estimated chance of winning £550 or more is 11.74%.

What would a typical result look like?

The estimated middle result is £300. Around 8 in 10 results fall between £125 and £575. These are estimates, not a prediction of what you’ll win.

How these estimates work

Large prizes pull the average up, so a score below 100 can be normal. Your score compares winnings, not your ranking among savers. Past results don’t change your next draw’s chances.

How the score works

Your winnings vs expected

Example
Your winnings £550.00Expected winnings £368.33
Monthly amounts View table
Eligible balances, winnings and expected amounts
DrawEligible balanceYour winningsExpected
Nov 2025£10,000£0.00£30.00
Dec 2025£10,000£25.00£30.00
Jan 2026£10,000£25.00£30.00
Feb 2026£10,000£50.00£30.00
Mar 2026£10,000£0.00£30.00
Apr 2026£10,000£75.00£27.50
May 2026£10,000£25.00£27.50
Jun 2026£10,000£50.00£27.50
Jul 2026£10,000£50.00£31.67
Aug 2026£10,000£25.00£31.67
Sept 2026£10,000£75.00£36.25
Oct 2026£10,000£150.00£36.25

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