🤔 Should you prioritize saving for a house or retirement?
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💵 Income & Fixed Costs
A 30-year-old couple with $8,450 in monthly take-home pay is juggling competing goals: saving for a house down payment and funding their retirement. With a monthly surplus of about $3,100, they wonder: should we max out our Roth IRAs first, or focus entirely on the house?
First, enter your monthly income and expenses.
🎯 Savings Goals
Next, define your house target. The couple already has $15,000 saved for a house but needs a larger down payment.
💰 Current Allocation
How much of your monthly surplus do you want to allocate to retirement? The rest will go toward your house fund.
House Allocation
🔗 See Also
📊 Results
Total Surplus
Months to House (Funding Retirement)
25
Months to House (House Only)
15
House Delay (Months)
10
Recommendation
Fund both
Calculator updated by heyfinfam (v26.10.0) · View history
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