How Much Is Enough for Your Dream Home?
A home is the biggest purchase most people make. Know exactly how much you need and when you'll get there.
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Target down payment amount
Adjust for Inflation
Show values in today's purchasing power
Your Custom Fields
No custom fields yet. Add your own expenses, income, or one-time costs to personalize your plan.
Your Enough Plan
Enough Number: $500,000
Projected: $85,526
Growth Projection
Timeline
Monthly Savings Target
$2,923
per month to reach your goal
Current: $500
You need $2,423 more per month
That's about $97 per day
What If?
+$100/mo
Add $100 per month
27 mo. sooner
$102,631
+$200/mo
Add $200 per month
50 mo. sooner
$119,736
-2% return
Bear market scenario
63 mo. later
$77,182
What If You Saved Your Next Raise?
| Scenario | Final Monthly | Total Saved (10yr) |
|---|---|---|
| Save Nothing | $500/mo | $85,526 |
| Save 50% | $640/mo | $94,512 |
| Save ALL | $814/mo | $104,693 |
Saving ALL your raises instead of nothing nets you $19,167 more over 10 years.
Life Seasons
Add upcoming life events to see how they affect your monthly budget.
Click an event above to add it to your timeline.
How You Compare
Key Insights
- At your current pace, you'll reach enough by August 2054.
- You're 17% of the way to your enough number of $500,000.
- At this rate, you'll reach your goal 18.1 years late.
- Increasing your contribution by $2,400/month would put you on track to reach your goal on time.
- Increasing contributions by just $50/month could shave 15 months off your timeline.
- Your savings rate is ~8% — every dollar counts. Can you find $50 more per month to boost it?
Coach's Corner
The 20% Down Payment Myth
You don't need 20% down to buy a home. FHA loans require 3.5%, and some conventional loans start at 3%. The trade-off is PMI ($100-300/mo), but it drops once you hit 20% equity.
Budget for Closing Costs
Closing costs are typically 2-5% of the home price and are often forgotten. On a $400K home, that's $8K-20K on top of your down payment.
Pay Yourself First
Transfer savings the day you get paid, not at the end of the month. You can't spend what you've already saved. This single habit separates savers from spenders.
Export Results
Prep for Your Next Role
Practice interview questions tailored to the salary you need to hit your "enough" number.
Your Enough Plan
Enough Number: $500,000
Projected: $85,526
Growth Projection
Timeline
Monthly Savings Target
$2,923
per month to reach your goal
Current: $500
You need $2,423 more per month
That's about $97 per day
What If?
+$100/mo
Add $100 per month
27 mo. sooner
$102,631
+$200/mo
Add $200 per month
50 mo. sooner
$119,736
-2% return
Bear market scenario
63 mo. later
$77,182
What If You Saved Your Next Raise?
| Scenario | Final Monthly | Total Saved (10yr) |
|---|---|---|
| Save Nothing | $500/mo | $85,526 |
| Save 50% | $640/mo | $94,512 |
| Save ALL | $814/mo | $104,693 |
Saving ALL your raises instead of nothing nets you $19,167 more over 10 years.
Life Seasons
Add upcoming life events to see how they affect your monthly budget.
Click an event above to add it to your timeline.
How You Compare
Key Insights
- At your current pace, you'll reach enough by August 2054.
- You're 17% of the way to your enough number of $500,000.
- At this rate, you'll reach your goal 18.1 years late.
- Increasing your contribution by $2,400/month would put you on track to reach your goal on time.
- Increasing contributions by just $50/month could shave 15 months off your timeline.
- Your savings rate is ~8% — every dollar counts. Can you find $50 more per month to boost it?
Coach's Corner
The 20% Down Payment Myth
You don't need 20% down to buy a home. FHA loans require 3.5%, and some conventional loans start at 3%. The trade-off is PMI ($100-300/mo), but it drops once you hit 20% equity.
Budget for Closing Costs
Closing costs are typically 2-5% of the home price and are often forgotten. On a $400K home, that's $8K-20K on top of your down payment.
Pay Yourself First
Transfer savings the day you get paid, not at the end of the month. You can't spend what you've already saved. This single habit separates savers from spenders.
Export Results
Prep for Your Next Role
Practice interview questions tailored to the salary you need to hit your "enough" number.
Enough Number
$500,000
Progress
17%
Planning Your Down Payment
Most lenders require 3–20% of the home price as a down payment. A 20% down payment avoids private mortgage insurance (PMI), which can save you $100–$300+ per month.
For a $400,000 home, that's $80,000 at 20%, or $12,000 at 3%. Our calculator helps you set your target and build a plan to reach it.
Beyond the Down Payment
Don't forget closing costs (typically 2–5% of the home price), moving expenses, and an emergency reserve. A good rule of thumb: save for your down payment plus 3–6 months of housing costs as a buffer.
Where to Keep Your Down Payment Savings
If you're buying within 1–3 years, keep funds in a high-yield savings account (currently 4–5% APY). For longer timelines (5+ years), a balanced investment portfolio may offer better growth but with more risk.