Use the Free plan, $0

Planner

First home savings planner

Start from the example numbers and change them to yours to see your total, your cushion and a projected month. It's not a quote for any home.

Nothing you enter leaves your browser.

Example numbers: a $260,000 home, 10 percent down, $7,800 closing and $2,200 moving costs. Change any field.

$

Whole dollars. The price you're aiming for, not a listing.

Example value

%

Percent of the home price, from 3 to 20.

Example value

%

Enter a percent of the price or a dollar amount. Hill Wallet doesn't supply this figure.

Example value

$

Deposits, the truck, the first round of things a rental never needed.

Example value

$

What a normal month costs you. This sets the cushion size.

Example value

One to six months of expenses, saved before anything else.

Example value

$

Pick an amount you can keep up in a normal month.

Example value

$

Enter 0 to start fresh. Any amount here assumes your cushion is already full.

Example value

August 2029
$850 a month

Drag the flag to pick a month, or the handle to change your monthly amount.

Projection from your numbers

Emergency cushion

$7,800, 3 months of your expenses. Your first deposits go here.

Projection from your numbers

Monthly milestones

40 of $900, about one a month.

Projection from your numbers

Projected date

August 2029

August 2029, at $850 a month. Projection from your numbers.

Pace to hold the date

$850 a month holds August 2029. Save a little more and the date comes forward.

Projection from your numbers

This fits the Free plan: one plan, a cushion, 40 milestones and a deposit log, at $0.

How the math works

Total. Home price times down payment percent, plus closing and move in costs. $26,000 plus $7,800 plus $2,200 is $36,000.

Cushion. Monthly expenses times one to six months. Three months of $2,600 is $7,800.

Milestones. Your total divided by your monthly amount, rounded up. $36,000 at $900 is 40.

Projected date. Next month, plus the months to fill the cushion and the milestones.

Route B. The same math on its own four fields.

A desktop browser at hillwallet.com/app/routes showing three columns: the current $260,000 climb projected for August 2029, Route B at $300,000 projected for February 2030 at the current pace, and Route C at $350,000 projected for October 2030, each labelled as a projection.
What if plans side by side. Not a quote for any home.
A phone showing the climb setup form with a $260,000 home price, 10 percent down, 3 percent closing costs, $2,200 move in costs, $2,600 monthly expenses and three base camp months, and a result card reading Your summit $36,000.
Example plan. Illustrative projections.
A mown path curving up a slope of green and gold grass toward a rounded crest under a clear sky

Join Our SMS List

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.

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.

A phone lock screen showing two text notifications from Hill Wallet: one saying $850 was logged and switchback 7 of 40 cleared, one reminding the member to log this month's deposit.
Two Climb Alerts on the example climb.