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💰 Savings Planner

When Can I Afford to Buy?

Enter your target property, current savings and how much you can save each month. We'll tell you exactly when you'll have enough — and show you milestones along the way.

✓ LISA bonus included · 2026 rates · All buying costs calculated

Plan your path to buying

We'll calculate when you hit each milestone: 5% deposit, 10% deposit, full deposit + all costs.

🏡 Your Target Property
£
💳 Your Current Savings
£
£
%
📈 Property price growth assumption
Earliest you can buy
—
📊 Progress to goal
Deposit saved0%
Total target (deposit + costs)0%
Date Savings pot Property price then Still needed

💡 LISA Explained

Annual LISA limit£4,000
Government bonus25% (up to £1,000/yr)
Property price cap£450,000
Must be open12 months before use
Age to open18–39
Withdrawal penalty25% if not FTB use

🧮 Related Tools

🔑
FTB Scheme Checker
All government schemes
🏦
Mortgage Affordability
How much can you borrow?
🧾
Total Buying Costs
Stamp duty + legal + more
⚖️
Rent vs Buy
10-year projection

📋 Tips to save faster

  • Open a LISA immediately — the 12-month clock starts from opening, not from when you max it out
  • Put savings in a high-interest easy-access account while building your pot
  • Shared Ownership lets you buy with a much smaller deposit
  • Ask employer about salary sacrifice schemes to reduce tax
  • Review subscriptions — £50/month extra = 5 months off your timeline