Every month grows investments, cash and education separately; pays actual nominal mortgage installments; then saves the surplus or funds the shortfall. Sale proceeds repay the old mortgage and sale costs before funding the new home. Home equity and education accounts never fund ordinary retirement spending.
Enter household income after federal, state, local and payroll taxes. Mortgage deductions must be reflected in that income estimate; they are not calculated automatically. Investment gains and restricted withdrawals use your effective tax inputs. All restricted accounts share one access date and one tax rate, so Roth basis, conversion ladders, HSA rules and account-level tax optimization are not modeled.
Recurring living and ownership costs rise with inflation. Home appreciation is above inflation. Rental depreciation is nominal for 27.5 years after the move; no passive-loss carryforward or tax recapture calculation is automatic. Include applicable transaction taxes in closing, sale costs and sale tax.
Childcare transitions to school-age care at the entered anniversary. College uses the education account first over four years, then draws the remaining cost from other funds. No duplicate college reserve is deducted. Restricted contributions are limited to positive saving; adjust income if contributions continue during a deficit.
“Funded” means every modeled payment was covered with accessible assets and the final investment balance meets your ending target. It does not require keeping that reserve untouched each year. First shortfall: 2062. No borrowing is invented to hide a gap. Asset returns are assumptions, not forecasts.
This dedicated USD worksheet uses its own inputs. It does not apply saved life events or modify the main account plan. Pinned comparisons last for this page session; device saves expire after 30 days. Export inputs to keep a portable copy.