How the numbers work
Last updated: 7 July 2026
Every figure on your dashboard is derived from the five inputs in your plan: target property price, deposit percentage, current total savings, estimated grants, and target buy date. Here is exactly how each one is calculated.
Deposit needed
Target price × deposit percentage. A $800,000 home with a 20% deposit means a $160,000 deposit. This is the finish line every other number measures against.
Effective savings
Total savings + estimated grants. Grants you expect to receive (e.g. first-home buyer schemes) count toward your deposit, so they’re included when measuring progress. If you’re unsure about a grant, leave it at zero — better to be pleasantly surprised than short at exchange.
Savings gap
Deposit needed − effective savings. What’s still left to save. Once your effective savings cover the deposit, the gap shows zero — it never goes negative.
Progress percentage
Effective savings ÷ deposit needed, capped at 100%. Shown to one decimal place. This is the number that makes the climb visible — watch it move.
Months to goal
The number of whole calendar months from today until your target buy date. When the date passes, this reads zero.
Monthly savings target
Savings gap ÷ months to goal. The pace you need to hold to close the gap by your target date. Two things follow from the formula:
- Saving more than the target each month lowers the target for every month after — you get ahead of the curve.
- If your target date is this month or has passed, the “monthly” target simply shows the whole remaining gap.
Why did my monthly target change?
Any of these will move it:
- You updated your total savings (the gap changed).
- A month ticked over (fewer months left to spread the gap across).
- You edited your plan — price, deposit percentage, grants, or target date (paid plan; see Free vs paid).
None of this is financial advice — the maths is deliberately simple and transparent so you can sanity-check every number yourself.