Put in what you've got and what you save, and see when you'll actually reach your deposit — with the honest twist most calculators skip: if house prices are rising, your target is moving too.
🔑 Free · built by a UK chartered surveyor (MRICS) · on the buyer's side
Your saving
A cash ISA is around 4–5% right now. If you invest it, that's your own assumption.
Your target
The honest bit: if prices rise, the deposit you need rises too. Set 0 to ignore.
LISA boost the 25% government top-up
I'm saving into a Lifetime ISA (LISA)
A LISA adds a 25% government bonus on up to £4,000 saved a year — up to £1,000 free a year. Only for a first home up to £450,000, and you must have had it open 12 months before you buy. Take the money out for anything else and there's a withdrawal charge, so only tick this if a LISA genuinely fits your plan.
Your timeline
—
Fill in your numbers to see when you'll reach your deposit.
Progress to your target
0% saved
Your deposit vs the target
Where the lines cross is when you get there.
In plain English—
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Built by a UK chartered surveyor (MRICS). Free, and only ever on the buyer's side.
This is information to help you plan — not financial advice. Figures are estimates based on your assumptions; real savings rates, house prices and LISA rules can change. The honest answer is sometimes "keep saving" — and we'll say so.