Premium Bonds Simulator

Statistical Probability vs. Guaranteed Returns

How does it work?

We use a Monte Carlo simulation to run thousands of "virtual scenarios" for your money based on your chosen settings. Using current NS&I odds (1 in 22,000) and prize weights, we plot every possible outcome to see the real distribution of prizes.

The Bell Curve shows you the most likely outcomes. The peak of the curve is where most people end up, while the vertical line shows your Guaranteed Savings for comparison.

Settings

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Disclaimer: This Premium Bonds Simulator is a statistical tool based on Monte Carlo simulations using 2026 prize odds. These results are estimates and not a guarantee of future returns. This site is not affiliated with NS&I. Consult a financial advisor for professional guidance. © 2026 Premium Bonds Sim.