Free Dual-Goal Analysis

College and Retirement: Can You Actually Fund Both?

Every dollar you put toward tuition is a dollar not compounding for retirement. But saying no to your kids isn't easy either. See the tradeoffs clearly.

Dual Goal Modeling

Clear Tradeoffs

No Obligation

Enter Both Goals

Your retirement target and how much you want to help with college

See the Tradeoffs

Watch how funding one goal affects the other in real time

Find Your Balance

Discover the split that protects your future while helping your kids

Why This Matters

Your Kids Can Borrow for College — You Can't Borrow for Retirement

It's the most important rule in financial planning. Scholarships, loans, and work-study exist for college. Nothing like that exists for retirement. Make sure you're putting your own oxygen mask on first.

See the real retirement cost of prioritizing college funding

Model different splits and their impact on both goals over time

Understand how loans, scholarships, and timing change the equation

Find the balance that lets you help your kids without sacrificing your future

Disclaimer: This calculator is for educational and informational purposes only and does not constitute financial, tax, or investment advice. Results are estimates based on the assumptions and inputs provided and are not guaranteed. Actual outcomes may vary. Consult with a qualified financial advisor or tax professional before making any financial decisions.