Everyone says you'll never own a home.

Find out exactly how long it will take you to save your deposit. Two minutes, real numbers, no sign-up.

Your last 6 months

Open your banking app, average out the last 6 months, and be honest. The calculator can't help you if you lie to it.

Your pay (before tax)

Partner's pay (before tax, only if you're buying together)

Rent / board

Groceries

Eating out & takeaway

Subscriptions & streaming

Car & transport

Loan repayments (car, personal, Afterpay)

Everything else

Savings you already have

The place you're aiming at

Rough is fine. You can change it any time.

State you're buying in

Property price you're aiming at

Deposit you're going for

How old are you? (optional, you'll see why)

Keep living exactly like the last 6 months, and you get the keys

–

saved so far🔑 deposit

Deposit you need–

Stamp duty–

Total to save–

You're saving per month–

Rough borrowing power–

5% deposit scheme cap–

Borrowing power here is a ballpark from your income and spending, tested the way banks stress-test repayments. Every lender calculates it differently and this ignores HECS, credit limits and plenty more. It is not a quote or approval.

moneysenselending

Now move the date

Small moves. Watch what they buy you.

Extra NET income per month+$0

Cut back eating out & takeaway$0 less

Cut subscriptions$0 less

Cut "everything else"$0 less

When your loans are paid off$0 freed up

New deposit date–

New borrowing power–

Drag a slider to see the difference.

Want Money Sense Lending to work it out for you?

We'll take your real situation and come back with your actual numbers, not estimates.

No cost, no obligation.

Assumptions this uses

Saving is linear. Interest on your savings is ignored, which makes the estimate slightly conservative.
Total to save = your deposit plus stamp duty. Other buying costs (conveyancing, inspections, moving) are on top of that.
Take-home pay is worked out from 2026-27 tax rates, the Medicare levy and the low income tax offset. Two incomes are taxed separately. It does not include HECS repayments, salary sacrifice or private health cover.
Borrowing power assumes rent stops when you buy, repayments are tested at the rate below over 30 years, and your other spending stays the same.
Stamp duty lines and scheme price caps use each state's first home buyer settings as at August 2026. State budgets change these.

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