Priya takes parental leave then stays home full-time after their first baby -- can Marcus's income carry them?

Marcus & Priya are dropping to one income while Priya takes extended leave after their newborn arrives, then weighing whether to return to work full-time, part-time, or not at all The real question: With Priya stepping back from work after their newborn arrives, can Marcus's salary alone cover their mortgage, daycare when Priya eventually returns, and keep retirement on track?

Modeled year by year, with the daycare, the mortgage, and every account and tax accounted for, Marcus’s plan funds retirement. The safe withdrawal covers their projected spending. The exact answer always depends on the full picture, which is the whole point.

An illustrative example household. The numbers are modeled by Rightmont’s engine from these inputs; your real answer depends on your full picture. Educational only, not financial advice.