House Deposit Savings Calculator
Find out how long it will take to save a deposit for your first home.
Your result
Updates as you type. Based on 2025/26 UK figures where relevant.
How this is worked out
Your target is the property price times the deposit percentage. Take off what you have saved and divide by your monthly saving to get the number of months.
Tips
- Stamp duty rules differ by nation: SDLT in England and Northern Ireland, LBTT in Scotland and LTT in Wales.
- Lenders price mortgages in LTV bands, so a slightly bigger deposit can unlock a noticeably lower rate.
- Always compare the total cost of a mortgage deal including fees, not just the headline rate.
Guides for this calculator
- How to Calculate Saving for a House Deposit in the UK: Step-by-Step Guide
- Saving for a House Deposit: Common Mistakes, Tips and FAQs
More property and mortgages calculators
Frequently asked questions
How does the house Deposit Savings Calculator work?
Your target is the property price times the deposit percentage. Take off what you have saved and divide by your monthly saving to get the number of months.
Do these calculators cover Scotland and Wales?
Yes. We have separate calculators for LBTT in Scotland and Land Transaction Tax in Wales, as well as SDLT for England and Northern Ireland.
Are the mortgage figures a mortgage offer?
No. They are estimates. A lender's decision depends on your credit history, outgoings and their own affordability checks.
How accurate is the monthly repayment?
It uses the standard repayment formula and matches lender illustrations closely for a fixed rate, but actual payments can vary if your rate changes.
This calculator gives an estimate for general information. It isn't financial, tax, legal or medical advice. Check official figures on GOV.UK or NHS.uk, or speak to a qualified adviser.