A couple paying private K-12 tuition for two kids while trying to retire in their early 60s
Maya & Chris, 42 & 44, Denver CO
exampleMarried, two kids in private school · $295k/yr household income
They're paying private K-12 tuition for two kids while maxing retirement accounts and targeting early-60s retirement
Maya & Chris are paying private K-12 tuition for two kids while maxing retirement accounts and targeting early-60s retirement The real question: Can they keep both kids in private school through 12th grade and still retire on schedule?
The plan holds$13M
Projected net worth at retirement (2047)
Retirement year
2047
Safe withdrawal / yr
$451k
First shortfall
None projected
Modeled year by year, with the daycare, the mortgage, and every account and tax accounted for, Maya’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.
Your situation is more like this than a rule of thumb
Model your real household — kids, a home, a big expense — free in under a minute.
Get my verdict →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.