Down Payment Calculator

The Down Payment Calculator tells you the cash required for a target home at your chosen percent, the gap from what you have saved, and exactly how long it will take to get there — with a savings plan that shows how boosting monthly contributions pulls the date earlier.

• Required cash: Down payment from price and percent.
• Gap & timeline: Months to reach the goal.
• Interest option: Savings growth shortens the wait.
• What-if: Raise savings to see the earlier date.
• Export: CSV, JSON or plain text.

1. Target: Home price and down percent.
2. Savings: Current amount, monthly contribution, interest.
3. Read: Required, gap, months to goal.
4. Adjust: Raise monthly savings to pull the date in.
5. Export.

Example 1 — 20% standard. $400k at 20%: $80k needed.

Example 2 — $20k saved. $60k gap at $1k/mo: 60 months.

Example 3 — Save more. $1.5k/mo cuts it to 40 months.

Example 4 — 5% down. Lower target but PMI later; $20k needed.

Example 5 — Interest helps. 3% savings interest trims a few months.

• Clear goal: Know the exact cash target.
• Real timeline: Months, not vague “soon”.
• Plan the habit: See how saving more accelerates.
• Private: No account, no upload, nothing stored.