Your actual gap — not a fake 10%.
Everyone says “put down 10%”. Ten percent of what? We show the real gap between what a lender will actually lend you (4.5× income) and the home you actually want.
From first save to front doorYour first home
Your first home
has a date.
Let’s go find it.
When you’re saving for a deposit, the day you’ll actually move in can feel like it keeps drifting further off. Steps pins it down. Tell us what you earn and where you want to live, and we’ll work backwards — from real local prices to what you can borrow — to the month you get the keys.
Free · no sign-up to see your date
The climb to your keys
Today
Deposit saved
Mortgage agreed
Offer accepted
MOVE IN
?
your date
From today to the keys, step by step ↓
The actual answer
So — when do you get the keys?
Your estimated move-in
March2030
Not “someday”. A real month, worked out from your salary and what homes near you actually sell for — and it moves closer every time you save.
TODAYDEPOSITMORTGAGEKEYS
If you earn £35,000/yrborrow up to £157,500
And save £400/mo£18,000 deposit · 45 months
Free · we’ll have your numbers ready when your account opens
25%
of your deposit
saved
saved
On track · keys in reach
Three steps to the keys
We hand you the next step — then the one after that.
Not a budgeting dashboard to decode. A path you can actually walk, from your first save to the day the keys are yours.
1
The maths
Your salary sets what you can borrow — up to 4.5× income. Your postcode sets what homes really cost. The gap between them is your true deposit.
2
The date
We turn that deposit into a single month you can count down to. Save a bit more, and it arrives sooner.
3
The path
Then every stage from here to the keys, in plain words: deposit, mortgage, offer, completion.
The whole journey, in your pocket
Not a dashboard. The whole way from first save to front door.
Your date sits on the home screen and edges closer as you save. Adjust the numbers, log a windfall, and follow every stage of buying — explained as you go.
Why Steps is different
Honest numbers. The jargon, explained. No nasty surprises.
The real deposit Real local prices Built on recent sold prices.
We use what homes like yours actually sold for on your street — not hopeful asking prices, and no endless Rightmove scrolling.
Live what-if Watch the date move in real time.
Drag a slider and your move-in month shifts on the spot. Add a bonus or a tax rebate and watch months drop off the wait.
Plain English Every step, explained.
From mortgage in principle to completion, every stage tells you what it means, how long it takes, and what it costs.
Built by someone who needed it
“Saving for a deposit felt like a mountain I’d never climb. So I built a spreadsheet: what I earned, the deposit I needed, what I could put away each month. It gave me a date. The moment I had a real day to aim for, the whole thing stopped feeling hopeless. Steps is that spreadsheet, built for you.”
Helena, founder of Steps · saved for my first flat on a spreadsheet
Launching 2026
Be first through the door.
Join the waitlist. We’ll send you your move-in date the day we launch, and let you in before anyone else.
Built by a first-time buyer, for first-time buyers
Coming to
Soon on theApp Store
Soon onGoogle Play
Soon on theApp StoreSoon onGoogle PlayQuestions
The things everyone asks first.
Is Steps free?
Yes. Finding your move-in date and tracking your plan is completely free, and you don’t need an account just to see your date.
When does it launch?
We’re aiming for 2026. Join the waitlist and you’ll be among the first in, with early access before the public launch.
How accurate is the date?
It’s a realistic estimate built from lender norms (borrowing up to 4.5× income) and recent sold prices for your area. As your salary, savings or target change, your date updates with them.
Do I need to connect my bank?
No. Just tell us what you earn and save, and we’ll show you your date. Connecting your bank securely is on the roadmap too, so your plan can keep itself up to date as your savings grow.
What if I’m buying with someone?
You can add a second income to your borrowing, and joint-saver linking is on the roadmap so you can both track the same move-in date together.
Is my data safe?
We only store what you enter to work out your date, and we never sell it. That's it.