Lifestyle Spending Calculator

See how small daily expenses add up and could boost your deposit

Small daily and weekly expenses can add up to significant amounts over time. See how redirecting some of this spending could help you reach your deposit faster.

Your Regular Expenses

Savings Assumptions

Target Deposit

Savings Rate (%)

Years to Save

If You Saved All This Spending

$19,417

In 3 years at 5% interest

Monthly Spending

$499

Annual Spending

$5,988

Deposit Progress

Saving 100% of lifestyle spending19%

Saving 50% of lifestyle spending10%

Biggest Expenses

Takeaways$2,080/year

Coffee$2,008/year

Gym membership$1,300/year

Streaming services$600/year

Did you know? If you redirected all this spending to savings, you could reach your $100,000 deposit in just 12.2 years.

Common Lifestyle Expenses

Daily coffee ($5.50)

$2,008/year

Takeaways twice/week ($40)

$2,080/year

Streaming services ($50/mo)

$600/year

Lunch out daily ($15)

$3,900/year

Uber Eats ($30/week)

$1,560/year

Gym ($25/week)

$1,300/year

Disclaimer: This calculator provides estimates only and should not be relied upon for financial decisions. Actual loan terms, rates, and eligibility may vary. Please contact a Mortgage Lab adviser for personalised advice.