For renters, on your own or with a partner
Enter your home price and costs. Hill Wallet adds up what you need and shows the month you'll get there.
The Free plan is $0, never billed. No bank login. Your savings stay in your own bank account.
Cushion $7,800, saved first
Milestone 8 $820 to go
Projected finish, example plan August 2029
Most savings tools track a number you pick, and most calculators stop at the down payment. Hill Wallet adds all three costs. On a $260,000 home with 10 percent down, that's $26,000, plus $7,800 in closing costs and $2,200 to move in: $36,000.
You type in your own figures. Not sure of your closing costs? The guide below lists the usual ones.
Change any figure later.
Before anything counts toward the house, Hill Wallet fills an emergency cushion (the app calls it base camp) of one to six months of your expenses. It's kept separate from the $36,000 you need to buy. On the example plan that's three months of $2,600, or $7,800.
When a $650 car repair comes out of the cushion, your house savings stay where they were, and your next deposits refill the cushion first.
Use the Free plan, $0Without a cushion
The $650 comes out of house savings.
With a cushion
$650 comes out of the cushion. $7,150 of $7,800 left. House savings unchanged.
You choose the size, and you can change it later.
A draw is logged like a deposit, in about ten seconds.
Hill Wallet splits your total into equal milestones, about one a month, so you only think about the next one. The app and texts call them switchbacks.
On the example plan, $36,000 splits into forty milestones of $900. Yours depends on your total and what you save.
You reach each one when your saved total passes it, so a light month and a big month even out. Tap any step below to see its total.
7 of 40 reached
Hill Wallet divides what's left by your average over the last three months and shows the month you'll get there. On the example plan, $29,620 is left and they've been saving $850 a month, so the date is August 2029.
Every deposit you log updates it. Skip a month and it moves later; save more and it moves up. It's a projection from your own numbers, not a promise.
August 2029. Projection from example numbers.
Open the plannerProjected dateAugust 2029
Jordan 57%Riley 43%
This month: Jordan $500, Riley $350
Invite one partner by email and you both log deposits to the same plan, with who logged what. One payment, $6 a month or $54 a year, covers both of you.
You can also save what if plans, like a $300,000 home in two years next to a $350,000 home in three, and see what each needs every month.
Change the price, down payment or date. Your real plan stays as it is.
Free for one person and one plan. Plus adds a partner and what if plans.
$0
Never billed. No card needed.
For one person saving for one home.
$6 a month or $54 a year
Renews automatically at $6 every month, or $54 every year, until you cancel. Cancel any time in Settings.
For saving with a partner or choosing between homes.
One payment covers both of you.
| Feature | Free | Plus | What neither plan includes |
|---|---|---|---|
| People | 1 | 2, you and one partner | No bank connection, no money held or moved, no lending, rate quotes or credit checks, and no advice on which home or lender to choose. |
| Main plan | 1 | 1, plus up to five saved what ifs | |
| Setup from your own numbers | Yes | Yes | |
| Emergency cushion, filled first | Yes | Yes | |
| Monthly milestones | Yes | Yes | |
| Projected date that updates as you log | Yes | Yes | |
| Unlimited deposit log | Yes | Yes | |
| Deposit reminders | Yes | Yes | |
| Milestone and cushion notices | Yes | Yes | |
| Phone and desktop browser | Yes | Yes | |
| What if plans, five saved, three compared | No | Yes | |
| Switch to a saved plan | No | Yes | |
| Shared plan with one partner | No | Yes | |
| Pace checks | No | Yes | |
| Printable savings history | No | Yes | |
| Price | $0, never billed | $6 a month or $54 a year |
No bank connection, no money held or moved, no lending, rate quotes or credit checks, and no advice on which home or lender to choose.
It works beside the savings account you already have. You log what you save.
Plain explainers with example math you can redo with your own numbers.
Down payment, closing and moving costs, worked on a $260,000 home.
Read the guide02A checklist, so nothing surprises you at closing.
Read the guide03A $650 repair, with and without an emergency cushion.
Read the guide04Finding an amount you'll keep, and what it does to your date.
Read the guideSee your own total, cushion and projected date in about a minute.
Open the plannerBilling, cancelling, privacy and skipped months.
Help and FAQ
Enter a home price and what you can save each month to see a rough date.
Goal reached about August 2029. Projection from your numbers.
Climb Alerts are account notices, never ads. A reminder on the day you pick, a note when a switchback clears, your sign in code, a renewal notice. Nothing else, ever.
Watch for a text from Hill Wallet asking you to confirm. Reply STOP any time to cancel, HELP for help.
Hill Wallet Climb Alerts: you're in for account notices. Msg frequency varies. Msg&data rates may apply. Reply HELP for help, STOP to cancel.
Your phone number is never sold, rented or shared for marketing. It is used only to send the Hill Wallet Climb Alerts you asked for.