For people saving up

How far away is that house, in months

Seven questions. You get the three numbers that decide it: what you need in the bank before you can even make an offer, whether a bank would lend you the rest today, and the month you get there.

The house you have in mindThe price of the one you are looking at, or the kind of price you are aiming at.The cadastral income of that houseIt is on the listing, or on the visura. Without it the taxes cannot be worked out, and the whole point of this page is that they are in the total.What you take home each monthNet, after tax. If there are two of you buying together, put the two together.What you have put aside so farEverything you could actually put on the table. Zero is an answer.What you manage to put aside each monthThis is the number that turns the answer into a date. Leave it empty and you get everything except the date.Instalments you are already payingLoans, car finance, salary-backed credit. The bank takes these off first.The rate, as a percentageThe one your bank or broker quoted you. We do not put a rate of our own here: they move every week.

I qualify for the first-home guarantee fundFirst home, and one of the priority categories — under 36, single parent with children, three or more children. It changes how much you need in cash.