You've finished saving
Well done for hitting this key milestone, and thanks for being on the journey with us.
But it's not the end! Now it's time to decide what to do once you reach your maturity date (1 February 2026, unless you took a savings break). Use your savings to buy Flutter shares at a discounted share price or take your money back.
You'll need to make your decision between 2 February and 31 July 2026. If you took a savings break, your maturity date will be extended by one month for each month you paused saving.
As a reminder, your discounted share price is £90.52 per share (20% off the market price when you joined in 2022). Since then, the market price for our shares has increased. If it remains higher than your discounted price, you have the opportunity to make a profit from Sharesave!
You can see our current share price here, and explore different scenarios using the calculator below (LSE share price).
Your options
Buy shares at the discounted price and keep them
Become a Flutter shareholder – when Flutter grows, the value of your shares could grow further too. You decide if and when to sell your shares in the future.
Buy shares at the discounted price and sell them straight away
If our share price is higher than £90.52, you could make a gain and profit from our success immediately – subject to fees and tax. Funds will reach you in 2-5 working days.
Take back your savings as cash in full
Personal circumstances or market conditions may mean that buying shares isn't right for you this time. Make your money work for you in other ways!
A quick reminder
If you don't take any action by the end of your six-month decision window, you will lose the opportunity to buy Flutter shares at your discounted price. You'll still get all your savings back, but you will no longer be able to buy shares.
What your savings could be worth
Discover what your discounted shares could be worth today and see how their value might change as the market moves. Exploring different scenarios in this way can help you decide what's right for you.
This calculator is for illustrative purposes only, as there are future variables that cannot be predicted.
Please refer to the information buttons throughout each section for further information.
Step 3: Explore the potential value of your shares
Capital Gains Tax (CGT)
If you choose to sell shares and make a profit, you may need to pay Capital Gains Tax (CGT). For the 2025/26 tax year, the UK CGT allowance is £3,000 across all assets. You may have a CGT liability for any profits you make above this allowance. Figures shown by this calculator do not include any other UK CGT gains you may have made from other assets.
For more information, please visit the HMRC website. You can also watch our Sharesave Maturity webinar below, which provides more information about how tax may apply when you decide what to do with your savings.
This is your 'monthly savings amount' multiplied by 36 months (3 years)
If you complete the savings period you get a tax-free bonus set by HMRC. This is your 'monthly savings amount' multiplied by 0.5 (2025 Sharesave bonus rate).
This is your 'total savings'.
The discounted price is set before each Sharesave period starts. This was our market share price at that time with a 25% discount applied.
You can only buy whole shares, not fractions of them, so the amount used to buy shares is often lower than the 'total amount available to buy shares'.
As it is only possible to buy whole shares, any left over amount that could not be used to buy a share will be returned to you.
This is the difference between the 'total amount available to buy shares' and the 'cost at discounted share price'.
This is the 'total amount available to buy shares' divided by the 'discounted share price' – rounded down to the nearest whole share.
This is the current Flutter share price on the London Stock Exchange (LSE: FLTR), last updated: 2026-02-03
We can't predict future share prices, so this model uses the current share price as a starting point.
You can adjust it higher or lower to see how any future changes in the share price may impact the potential value of your shares, should you choose to purchase them with your savings.
This is your 'total shares' multiplied by the 'current/estimated share price'.
This is the 'Estimated future value' minus the 'Cost at discounted share price'.
This amount maybe subject to tax and the deduction of a dealing fee (Commission). See question 2.7 'How do I sell my shares?' in the Q&A for further details.
Not sure what to do with your savings?
We've partnered with WEALTH at Work, specialists in financial wellbeing, to help you understand your choices.
WEALTH at Work hosted sessions to walk through your choices at maturity.
These are now complete, but there's a webinar recording available, which explains your choices in depth, gives you an overview of what tax you might need to pay – and ways to manage your shares so you can reduce the tax you owe.
Understanding tax
Depending on what you choose to do with your Sharesave savings, you may need to pay some tax.
Take your savings back in full
This is your money, so there is no tax to pay when you take it back.
Buy and keep
You don't need to pay any tax if you buy your Sharesave shares.
Buy and sell
You may need to pay Capital Gains Tax (CGT) if you make a profit when you sell your shares.
Q&A – Your questions answered
When your 2022 Sharesave comes to an end, you have three choices:
- Buy Flutter shares at £90.52 per share and keep them.
- Buy Flutter shares at £90.52 and sell all of them straight away.
- Take all your savings back as cash.
You'll be able to explore all three options on EquatePlus once Sharesave ends.
When you joined the 2022 Sharesave, the Flutter share price was £113. We then applied a 20% discount, reducing the price to £90.52. This is the amount that was fixed at the start of Sharesave 2022, and the amount you can buy Flutter shares for now – whatever their price on the market.
Once your 2022 Sharesave comes to an end, you have six months to decide what to do with your savings. Your decision window opens on 2 February 2026 and closes on 31 July 2026. If you took a savings break, you will be saving for an additional month for every month you took a break – and so your decision window starts and ends a month later too.
For example: you took a 3-month savings break. You will keep saving until your March 2026 pay. Your Sharesave decision window will open on 1 May 2026, and close on 31 October 2026.
When your decision window closes, you'll lose your right to buy Flutter shares at your discounted price of £90.52. Your only option will be to request a refund of savings on EquatePlus.
You must make your decision on EquatePlus at equateplus.com. Log in, choose what you wish to do, and follow the on-screen instructions.
If you have any issues logging in, please see the Help section on the login page.
Once logged in, if you need help navigating your account, please see Computershare's step-by-step guide to using EquatePlus. This can be found under the Help section on the EquatePlus homepage.
We've partnered with WEALTH at Work, specialists in financial wellbeing, to help you understand your choices. Their session, 'Understanding Sharesave Maturity', walks you through your choices and explains what you need to consider ahead of making your decision. You can find details of their sessions in the 'Not sure what to do with your savings?' section above.
You can also use Nudge, our financial education platform, to learn more about financial health and resilience, so you can make a holistic decision.
If you're still unsure, we recommend that you seek independent financial advice. If you don't have a financial adviser, you can find one at www.unbiased.co.uk.
During Sharesave, you can pause your monthly contributions for up to 12 months. If you do, your plan will be extended by one month for each contribution you paused. You'll still save the full amount, and you'll have six months from your new end date (maturity date) to make your decision.
If your plan is due to end after February 2026, we'll get in touch nearer the time to confirm your updated end date. You can also log in to EquatePlus at any time to check your expected end date.
If you paused more than 12 contributions, your Sharesave was closed, meaning you don't have the option to buy shares. If you've not received your savings back you can request these by logging into EquatePlus.
If you left Flutter during Sharesave – before you finished saving – your choices now would depend on why you left.
| Qualifying reason | Non-qualifying reason | |
|---|---|---|
| Why you left | Retirement Ill health Redundancy |
Resignation Dismissal |
| What to expect | You were allowed to continue saving for 6 months after you left, or until the time you would normally finish saving – whichever comes first. You then had the opportunity to take your savings back in full, or use your savings to buy Flutter shares at the discounted price. You would need to buy your Flutter shares within 6 months of leaving Flutter. |
You would have been able to receive your savings back in full when you left. If you've not received your savings back you can request these by logging into EquatePlus. You won't have the opportunity to buy Flutter shares at the discounted price. |
If you leave Flutter during your decision window, in most circumstances you'll still be able to use your savings to buy Flutter shares at the discounted price or withdraw your savings. Your six-month decision window stays the same. If you're dismissed, you normally won't be able to buy Flutter shares, but you will get your savings back in full.
Everything you need to view and manage your 2022 Sharesave is available in your EquatePlus account. There you can see:
- Your total savings
- How many shares you can buy at the £90.52 fixed price.
If you want to see what that could look like for you, use our calculator above.
Need some help navigating your EquatePlus account? Please see Computershare's step-by-step guide to using EquatePlus. This can be found under the Help section on the EquatePlus homepage.
No – you can't split your savings between buying shares and taking cash. With Sharesave, you can either use all your savings to buy shares, or withdraw your savings in full.
Withdrawing your savings counts as choosing not to buy shares.
However, if you take back your savings after maturity and then decide you do want to buy shares, you may be able to do so if it's still within the six-month decision window. You'll need to contact Computershare to arrange this.
Once the six-month window has passed, you won't be able to buy shares.
Yes. Once the shares are in your EquatePlus account, you can sell them whenever you choose.
There are exceptions for restricted employees, who will need to request clearance before trading – see Section 5: Trading restrictions for more information.
You can buy your shares through your EquatePlus account. When Sharesave ends, log into your account and follow the on-screen steps to buy your shares at £90.52 per share. You'll be shown how many shares your savings will allow you to buy, and you can choose whether to keep them or sell them straight away.
If you choose to buy shares, you can keep them for as long as you like and decide when to sell some or all of them. Be aware that Flutter's share price can move up and down, so the value of your shares may change over time. However, unless you choose to sell your shares at a loss, any fall in value is only a loss on paper.
If you prefer not to hold onto your shares, you can also choose to buy and sell them straight away.
Once your shares appear in your EquatePlus account, you can sell them at any time. Login and follow the on-screen steps to place a sale instruction. The funds from the sale will normally reach your bank account within 2 - 5 working days.
Be aware that Computershare will charge you a fee of 0.35% of the sale value of your shares each time you sell some, with a minimum fee of £25.
No. Once you've instructed Computershare to buy or sell shares, the transaction can't be reversed.
In the UK, there's no Income Tax or National Insurance Contributions to pay when you buy your shares in most cases.
If you sell your shares for more than you paid for them, you'll make a profit. You may need to pay Capital Gains Tax (CGT) on this profit.
HMRC provides a tax-free CGT allowance each tax year. This means you can make a profit up to this amount without paying tax. The allowance is currently £3,000 per tax year and applies to all gains you make in the tax year, including profit from selling shares in other companies.
If your profit goes above your yearly allowance, you will need to report it either by:
- Filling in a Self-Assessment tax return, or
- Using HMRC's real-time Capital Gains Tax service.
There's further information on the tax you may need to pay, and ways you can reduce your tax bill, in the Tax tab (coming soon). You can also visit the HMRC website, where you can use their online tools to work out how much you might owe.
You may transfer your shares into a Stocks & Shares ISA before selling them. Shares held in an ISA are protected from CGT. For more details, see section 4: Transferring your shares.
Further information is also available in the "Understanding Sharesave Maturity" session hosted by WEALTH at Work. You can find details of their sessions in the 'Not sure what to do with your savings?' section above.
No – your savings are your own money, and there is no tax applicable.
If you choose to buy shares with your savings, you can move some or all of them from your EquatePlus account into an Individual Savings Account (ISA). Any increase in the value of your shares whilst they're in an ISA is exempt from CGT. And if you transfer your Flutter shares into an ISA within 90 days of buying them, you also won't need to pay CGT on any gain you've made from Sharesave.
After that, transfers are still possible, but any gain made so far may become taxable.
We've partnered with WEALTH at Work to help you understand your choices – including transferring your shares. Their session, 'Understanding Sharesave Maturity', walks you through your choices and explains what you need to consider ahead of making your decision. You can find details of their sessions in the 'Not sure what to do with your savings?' section above.
Your spouse may also have a CGT allowance each year. You can make use of that by transferring some of your shares to them – although they may have made profit elsewhere, impacting how much of their allowance remains.
Once your shares appear in your EquatePlus account, you can transfer them to your spouse if you wish. You'll need to contact Computershare, who will guide you through the process and arrange the transfer for you once they have the information they need.
If you're not sure whether transferring shares is the right choice for you, the WEALTH at Work Understanding Sharesave Maturity webinar covers things you might want to consider, including potential tax implications.
We've partnered with WEALTH at Work to help you understand your choices – including transferring your shares. Their session, 'Understanding Sharesave Maturity', walks you through your choices and explains what you need to consider ahead of making your decision. You can find details of their sessions in the 'Not sure what to do with your savings?' section above.
You may also wish to seek independent financial advice if you'd like personalised guidance. You can find an independent adviser at www.unbiased.co.uk.
Most colleagues can buy and sell Flutter shares when they wish. Some colleagues will need special permission if they are classified as a Restricted Person, which means you must request clearance before you trade. You can do this via the "Dealing Request function" on Insidertrack before placing your instruction on EquatePlus. You can only trade during a trading window.
You will have received an email from InsiderTrack (flutter@insidertrack.net) to notify you if you are a Restricted Person. You will also receive a communication from InsiderTrack notifying you when Flutter trading windows open or close.
To access InsiderTrack, if you have Single Sign On (SSO) then click on the InsiderTrack tile in your apps. If you do not have SSO user access then follow the link: https://www.flutterinsiders.com/portallogon – all Restricted Persons will have previously been sent a username (which is your email address) and password and must complete the required account information. Once logged in, click on "Request to deal", fill out the form and submit.
A response will typically be given within 2 business days from submission, therefore ensure sufficient time is allowed for this. If clearance to deal is given, a notification with a clearance to deal window will be provided to you by a member of the Company Secretariat team. An instruction via EquatePlus can only be made within that clearance to deal window. If the clearance to deal window ends and an instruction has not been given then clearance will need to be reapplied for. If you subsequently become aware that you may be in possession of inside information and/or material non-public information you must not deal (regardless of having obtained clearance) and must inform the Company Secretariat team immediately.
If you have any questions about being a Restricted Person, around permission to deal, or if you need your password re-set, please contact cosec@flutter.com.
You can log into your account here: EquatePlus.
If you are experiencing difficulties logging in or managing your EquatePlus account you can contact the Computershare team at:
- United Kingdom: +44 117 471 5342
Please also see the Help sections which are found on the login page or on the Homepage once logged in.
Your account
EquatePlus is our share plan platform. It's run by Computershare, our share plans administrator.
Head to EquatePlus to:
- See how much you've saved
- Confirm how many shares you can buy
- Check your personal and bank details are up to date
Access your EquatePlus account
Visit EquatePlusNeed some help navigating your account?
Check out the Help tab on EquatePlus.
Accessing EquatePlus on the go?
Download the EquateMobile app to
access your account and join
Support
For any help accessing or managing your EquatePlus account,
contact the team at Computershare:
+44 117 471 5342
Once logged in to EquatePlus…
You can also use the HelpChat available via Help/Access & Setup/Who can I contact if I need help?
If you have any other questions, just email the team:
Disclaimer
- This site is intended to provide information and not advice. No member of Flutter or any of their officers, employees, agents or representatives is giving you investment, tax or other advice in relation to Sharesave.
- Whether or not you decide to buy shares is a personal decision which will have no impact on your employment relationship and is a personal decision.
- The value of Flutter shares can go down as well as up.
- You may wish to seek independent, professional financial and/or tax advice if you need tailored advice specific to your circumstances.
- While we partner with WEALTH at Work to offer an easy way to move your shares into an ISA, we are not endorsing this product. You're free to use your own existing ISA or choose another provider.
- The information provided on this website and other communications is provided in good faith. If it conflicts with any official documentation or applicable legislation, they will prevail.