Dream House 20% Down Payment Planner

Accumulate a substantial 20% down payment to eliminate PMI, secure prime mortgage rates, and keep your monthly payment affordable.

Customize Goal Parameters

Currency:

Property Goal

Target Corpus Amount$150,000

Time Horizon5 Years (60 Months)

Expected Annual Return (CAGR)7.5%

Historical reference: Broad Equity Index (S&P 500 / Total World) ~9%–10%, Balanced Portfolio ~7%–8%, Fixed Income / Treasuries ~4%–5%

Adjust for Inflation (Cost of Living)Accounts for future purchasing power reduction

Required Monthly Investment

$2,055/ month

Flat monthly deposit to accumulate $150,000 in 5 years.

Smart 10% Annual Step-Up Option:

Start with only $1,707/ month

Start 17% lower today and increase your contribution by 10% each year with your salary raise to hit the exact same $150,000!

Total Capital Contributed

$123,300

Compounding Growth (Gain)

+$26,700

One-Time Lump Sum Today:$104,484

50%

Index Funds (S&P 500)

50%

Fixed Income / Bonds

Gold / Commodities

First $50,000 Seed

Year 2

$52,500

Closing Cost Reserves

Year 4

$112,500

20% Down Payment Ready

Year 5

$150,000