Years to Buy a House Calculator (when will I have the down payment?)

How it works

Each month the savings grow at the monthly rate equivalent to the annual return and the monthly saving is added; at the same time the home price rises by the monthly equivalent of the price growth. The calculator steps month by month until savings ≥ (down payment % + buying costs %) × the home price at that time. If prices grow faster than your savings, the date moves further away or is never reached (the limit is 100 years). Loan rules (such as LTV and DSR limits) decide the real down payment you need.

⚠ Estimates for information only — not financial advice.

FAQ

What down payment should I enter?

The share of the price your lender will not finance. It depends on the loan-to-value (LTV) and debt-service (DSR/DTI) rules where you live, your income and whether it is your first home — check with a lender.

Why does the date jump when I raise price growth?

Your target moves away while you save. When home prices rise faster than your savings grow, saving more each month is the only way to catch up.

Checked 11 Nov 2026. Month-by-month compound growth of savings and of the home price (equivalent monthly rates of annual growth).