Tools · House Savings

House savings
calculator.

How long until you can afford a down payment, and whether pausing retirement contributions gets you there faster. Works for any large purchase on a fixed timeline, swap "home price" for "car," "tuition," or "wedding cost." Rent-vs-buy check at the bottom.

All math runs in your browser. Nothing sent to any server.

This page covers US-specific accounts and tax law. Outside the US? The priority order is the same, the account names differ (ISA in the UK, TFSA/RRSP in Canada, Super in Australia, etc.).
$350,000
$5,000
$500
$583
$200
4.5%

All calculations run live as you move the sliders. Closing costs estimated at 2–3% of home price. Cost-of-pausing uses 40 years at 8% average return.

RENT VS BUY CHECK
$1,500
What this tool assumes
  • Closing costs estimated at 3% of home price (varies 2-5% by state and loan type).
  • Down payment assumption: 20% avoids PMI; lower down payments require it.

Not financial advice. Estimates based on inputs you provide.

Related

→ Saving for a House, full framework, including rent-vs-buy → Paycheck Allocator, where the savings come from → Order of Operations, the default priority stack → Budgeting, fixed-first method
HOW THIS IS CALCULATED

This tool runs entirely in your browser — no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.