Down Payment Savings Calculator — Vigo
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. Pre-filled with Vigo medians from our latest snapshot (2026-04-18).
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Results
Cash needed at signing
€141,220
Months to reach goal
214 mo
Years to reach goal
17.8 yr
Savings at goal date
€141,262
Price at goal date
€470,733
Over 15 years to save — that's longer than most planning horizons. A combination of higher contribution and lower price target compresses this faster than a higher savings yield.
Data: Vigo · 2026-04-18
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.