how this is calculated.

we project your savings forward using the dollar amount you save each month. at the same time, the deposit target — 20% of the suburb median, or 5% if you’re using the first home guarantee — grows at the suburb’s historical annual price growth rate, compounded monthly.

the “crossover” is the first month your savings reach or exceed the full walk-in-the-door cost: deposit + estimated stamp duty + ~$3,000 fixed buying costs (conveyancing, inspections) + the safety buffer you set. if the target grows faster than you can save, you’ll see “never”. that’s not a bug.

stamp duty is estimated using a flat-percentage approximation per state, with first home buyer concessions where applicable (NSW exempt to ~$800k, VIC concession to ~$600k, QLD concession to ~$700k, WA to ~$450k, ACT means-tested, etc.). real schedules are bracketed and means-tested in detail; this estimator is deliberately conservative to avoid under-quoting the cash needed at settlement.

for a binding figure, use your state revenue office’s official duty calculator (revenuensw.nsw.gov.au, sro.vic.gov.au, qro.qld.gov.au, etc.).

• ABS 6432.0 Total Value of Dwellings — Median Price of Established House Transfers (Dec 2025 quarter)
• ABS 6432.0 Total Value of Dwellings — Median Price of Attached Dwelling Transfers (Dec 2025 quarter)

last updated 2026-05-09. v1 covers 20 capital cities + major regions (ABS SA4-style aggregation). suburb-level granularity is on the roadmap.

• not financial advice.it’s a public estimator. nothing here accounts for your full financial situation, debts, dependants, or risk profile.
• not a mortgage pre-qualification.we don’t talk to lenders. we don’t capture leads. we don’t know what you’ll actually be approved to borrow.
• not a forecast.price growth is projected at the suburb’s historical rate. real prices are noisier. crashes happen. booms happen. the chart is a baseline, not a prophecy.
• not a substitute for talking to a professional. for binding numbers, see a licensed mortgage broker, a financial adviser, or your state revenue office.

data freshness, dodgy stamp duty band, suburb missing — please flag it. we update the seed data on a roughly weekly cadence. accuracy beats novelty.