The interactive calculator + step-by-step guide that turns someday I'll buy a house into a specific date on your calendar with a plan for every dollar.
Get Instant Access - $37 Interactive spreadsheet + 20-page companion guideMost people think buying a $350K home means saving $35,000 (10% down). The REAL number?
That's $18,500 more than just the down payment. Closing costs, moving expenses, and emergency reserves add up fast. This system makes sure you're ready for the REAL number not just the down payment.
Here's what most calculators show you vs. what you actually need
Two powerful tools that work together - the spreadsheet does the math, the guide explains the strategy
Enter your income, debts, and local costs. Instantly see how much house you can afford at 5%, 10%, 15%, and 20% down with PMI estimates.
The REAL number down payment PLUS closing costs, moving, and reserves. Side-by-side comparison shows you the gap most people miss.
See exactly how many months to goal at 5 different savings rates. Includes interest projections from your HYSA.
Log deposits monthly. Green/yellow/red status indicators. Milestone celebrations at 25%, 50%, 75%, and 100%.
One-page overview with key metrics, savings breakdown chart, and your estimated purchase date updated automatically.
Billy walks you through every step: affordability, saving strategies, HYSA setup, pre-qualification, first-time buyer checklist, and glossary.
Enter your financials. See how much house you can actually afford.
Calculate the TOTAL amount you need - not just the down payment.
See your savings rate scenarios and pick your target date.
Log deposits, watch progress, and stay on pace for your dream home.
I was saving blindly and had no idea I was $15K short of what I actually needed. This calculator showed me the real number and gave me a realistic timeline. I'm now 14 months from being ready.\u201D
The monthly tracker keeps me motivated. Seeing the progress bar fill up every month makes it feel real. I'm at 62% and counting!\u201D
The Wealth Roadmap builds your financial foundation (budget + emergency fund + debt plan). The House System builds your homebuying goal. Together, they're the complete path from I'm stressed about money to I'm tracking my progress toward my first home.
Every month you wait is a month you could have been tracking progress toward your front door.
Get Your Savings System - $37 Instant download - Works in Excel + Google Sheets