I believe that you should first take your time. The expense list, I think, is not yet reliable. The best thing is if you write down your account balance today with the date and then in 2 years see how much you have on it then. That way you have your actual saving rate. Many make the mistake of listing their normal monthly expenses and then conclude a wonderfully high saving rate. These one-time costs like a wedding, sometimes a car, sometimes a somewhat more expensive vacation, sometimes you treat yourself to something, sometimes a car accident occurs, sometimes a BAföG repayment, sometimes a dental prosthesis, sometimes an unexpected repair, a new washing machine, a dryer, or other furniture items, which from my experience are almost always left out in such lists. If your list is correct, you should have about €125,000 of equity in the account in 2 years. With that, total costs of €600,000 - €650,000 are quite feasible. With €6k net income and €40k equity, I personally would not take more than €400k! But everyone has a different view on this!