Track your house deposit savings with automatic bank integration. See exactly how close you are to your home purchase goal — updated in real time from your actual account balances.
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The most common way a deposit plan fails is tracking the wrong target. Buyers save diligently toward a deposit, reach it, and discover that transfer tax, notary fees and an agent share are also due in cash on completion — costs no lender will finance, and which across the EU add between roughly 4% and 15% of the purchase price depending on the country and region. Set the target to deposit plus costs from the start. It is a larger, less comfortable number, but it is the one that actually has to be in the account on the day, and finding out late is how purchases collapse in the final week.
Money you will need on a fixed date should be liquid and boring. Within about two years of buying, a market fall is a loss you cannot wait out, which rules out putting the deposit anywhere it can drop. Instant-access or short fixed-term savings are the right shape. Bank deposits across the EU are protected up to €100,000 per depositor per institution, so a deposit approaching that figure is worth splitting across banks. Connect every account holding deposit money to one view rather than tracking the largest and estimating the rest: money spread across three banks in two countries is routinely under-counted by the person who saved it.
Property prices do not wait for your savings plan. If local prices rise faster than you save, the deposit you are aiming at is already the wrong number, and the honest response is to re-set the target rather than quietly extend the timeline. Check it against actual local prices every six months and then choose deliberately between three options: raise the target and accept a later date, buy sooner with a smaller deposit and a larger loan, or change the area you are buying in. Each is a legitimate answer. Drifting toward a target that stopped being accurate two years ago is not.
Months remaining = (Target − Current savings) ÷ Monthly contribution
Progress is measured against the full cash requirement, which is the deposit plus the closing costs a lender will not finance. Tracking against the deposit alone is the most common way people arrive at completion short. Interest accrues on the running balance each month, so a higher rate shortens the timeline modestly.
Ahmed is buying at €320,000 in Portugal. A 20% deposit is €64,000 and costs add roughly €22,000, so his real target is €86,000. With €31,000 saved and €1,400 a month at 3%, he reaches it in about three years — not the two he would have projected against the deposit alone.
Track against deposit plus costs. Completing on the deposit alone and discovering the notary bill is how purchases collapse in the final week.
Re-set the target rather than the timeline when prices move. If local prices rise faster than you save, a bigger deposit takes longer and costs more in rent along the way.
Keep deposit money liquid within two years of buying. A market fall on a fixed completion date is a loss you cannot wait out.
Count every account. Deposit money spread across three banks in two countries is routinely under-counted by the person who saved it.
Confirm the deposit requirement in writing before you fix a target. Lender appetite for non-national buyers changes faster than published guidance does.
This is a projection from figures you entered. Wealthos connects to your savings accounts and tracks the real balance toward the full cash requirement, in any currency.
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Down payment is the headline. The trap is closing costs, inspection, moving, the first repair. The Home Purchase Plan template covers all of them so closing day isn't a series of surprises.
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