Buy your first home

Work out what you can afford, how much deposit you need, your monthly repayment, and the total interest you'll pay — in one place.

Life goal1 calculator~12 min plan🇯🇵Japan · Tax Year 2026

The plan

4 calculators. In the right order.

Most money decisions need more than one number. Work through the 4 steps below in sequence — each links to the calculator that answers its question. Takes about 12 minutes end-to-end.

Step 1Step 4

Walk through

Step-by-step

01
Step 1 of 4
Check what you can borrow
Lenders typically give you 4–5× your annual income. Start by plugging in your salary to see the ceiling.
Open Mortgage
02
Step 2 of 4
Figure out your deposit
Most markets need 10–20% down. Save the deposit in a high-yield account and don't touch it.
03
Step 3 of 4
Estimate the monthly payment
Run the mortgage calculator at today's rate. Aim to keep it under 30% of take-home pay.
04
Step 4 of 4
Budget the closing costs
Stamp duty, legal fees, and inspection can add 3–10% on top of the home price. Factor them in upfront.