FINANCE · Housing · Free home down payment planner
Home Down Payment Planner: How Much Should You Save Each Month?
Estimate a down payment and monthly savings target to prepare for a home purchase by your target date.
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Initial estimate
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What is a home down payment planner?
A home down payment planner helps estimate the lump sum needed for a down payment and transfer-day fees for a house or condominium, as well as a monthly savings target.
What this home down payment planner estimates
- Target down payment based on your chosen percentage
- Monthly savings needed by your planned purchase date
- Remaining gap after current savings
- Estimated additional ownership-transfer costs
Home down payment calculation method
The calculator uses the Bank of Thailand’s loan-to-value (LTV) ratio and a short- to medium-term savings formula.
Free estimates versus personalized advice
This free tool provides a preliminary estimate to help you prepare for a property purchase. For a broader income and expense plan, try the monthly budget planner.
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Read more
Explore articles that explain the topic and its limitations, while keeping educational information separate from personalized advice.
Frequently asked questions about home down payments
What percentage should I put down?
A down payment of at least 10–20% of the home price may reduce loan interest and make loan approval easier.
What other costs should I prepare for?
Prepare for transfer and mortgage registration fees, utility meters and decorating costs, estimated at 3–5% of the home price.
Does this calculator cost anything?
No. You can use the calculator in your browser without creating an account.
How does the calculator account for current savings?
It subtracts your current savings from the down payment target and calculates the additional amount to save.
How long should I save for a down payment?
The time frame depends on your needs. A 1–3-year savings period may help keep the monthly target manageable.
What should I do with the result?
Set aside the monthly amount in a separate digital savings account until you reach your target.