Down-Payment Budget Tool — Embeddable Widget

The free down-payment budget

See how many months until your first down payment.

Put in what you earn and spend, then a home price. This turns your monthly surplus into a real date for your first place — no math, no guessing.

I lived in a van for about a year, because that’s where my money was. Five years later I own the duplex I live in. The thing that actually got me motivated was seeing the number: how much I had left over each month, and how many months that meant until I could buy. This is that same starting tool. Change the gold boxes and read the answer.

1. Your monthly budget

Type your real numbers into the gold cells. Everything updates as you go.

Money in / month

Your take-home pay$

Partner / 2nd take-home$

Side income / gig work$

Total in$0

Money out / month

Rent / housing$

Utilities$

Groceries$

Transportation / fuel$

Insurance$

Phone / internet$

Minimum debt payments$

Everything else$

Total out$0

What you have left each month (surplus)$0

2. Your down-payment timeline

Target home price$

Down payment % %

Closing-cost buffer % %

Cash you already saved$

You’ll have your down payment in

—

Cash you need$0

Still to save$0

Saving / month$0

Change any gold cell above and this updates instantly.

This tool is a planning estimate, not financial advice — your real down payment, closing costs, and loan terms will vary. It assumes you keep saving your current surplus each month. Nothing here is stored or sent anywhere; it all runs in your browser. — VanToVault

Ready to go further?

The First-Property Bundle

The step-by-step playbook, the six-calculator deal-analyzer toolkit, and the down-payment-assistance finder — the exact system I used to go from a van to a duplex.

Pay what you want. Name your price — and if money’s tight, take it for less.

Get the bundle →

Get the free $0-to-First-Property Roadmap

The five-stage plan I used to go from living in a van to owning a duplex, no rich parents required.