Down Payment Savings Calculator
How long will it take to save the down payment for an apartment in your target city? Pre-filled with local median prices and assumes you invest your savings at a realistic euro money-market or bond rate.
Inputs
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Results
Cash needed at signing
€0
Months to reach goal
0 mo
Years to reach goal
0.0 yr
Savings at goal date
€0
Price at goal date
€0
Under 2 years to reach the goal — you're already close. Keep an eye on rate moves; if mortgage rates drop, you may even prefer to buy now and lock in.
Frequently Asked Questions
How much should I save monthly for a European apartment down payment?
For a €300k apartment with 20% down + 10% costs (€90k target), saving €500/month at 3% return takes ~12 years. Doubling monthly to €1000 cuts it roughly in half (6-7 years).
Where should I park down-payment savings?
Short-to-medium horizon (1-5 years): euro money-market funds, short-term bond ETFs, or high-yield savings. Avoid equities for cash you'll need within 3 years — the volatility can wipe a year of savings.