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Help them build.
Retire well too.

Helping a young couple with rent or a monthly stipend is a gift many parents are glad to give. Plan it: what it costs each year and in all, and what it does to the savings you will live on later.

One couple or several · Staggered start years · Your savings with and without support

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Support, all years together

$0

Less in savings at 67

$0

Less retirement income

$0 a month

Your retirement savings from now to retirement, without support and with it. The shaded gap is what the support costs you later, including the growth it gives up. Below, what goes to the couples each year.

Without supportWith support

The support

What you give each couple in a month. Put zero in any line you don’t give.

$
$
$

$1,400 a month for each couple

Which couples, and when

Starts in 0 years means this year. Overlapping years are when you support more than one couple at once.

    Your retirement

    years
    $
    $
    Fine-tune 3 more inputs
    years
    % a year
    % a year

    The withdrawal rate turns savings into a monthly income. 4% a year is a common rule of thumb, not a guarantee. The 6% growth is an assumption, not a forecast.

    The plan

    Support, all years together

    $0

    At the busiest time: None

    Savings at 67, without support
    $0
    Savings at 67, with support
    $0
    Less at 67
    $0
    Less retirement income a month, by the rule of thumb
    $0

    Support by year

    An illustration, not financial advice. Support amounts are flat (not raised for inflation); savings grow at the rate you set, compounded monthly, with deposits at the end of each month. Taxes on withdrawals are not included.

    Figures checked November 2026. The 4% withdrawal rate is a rule of thumb from retirement research, not a rule; the starting amounts are illustrations.

    How the numbers work.

    The cost of support

    • Each couple. Rent help, stipend and anything else, every month, for the years you set.
    • All together. Add the couples up. Where their years overlap, you are supporting more than one at once.
    • Flat amounts. The figures stay the same each year; raise them if you expect to give more later.

    Your retirement

    • Two paths. Your savings month by month to retirement, once without support and once with it.
    • Contributions first. Support comes out of what you would have added to savings; anything beyond that is drawn from savings.
    • The real cost. The gap is larger than the support, because the money given also stops growing for you.

    Planning it well

    • Talk about the years. A clear start and end helps the couple plan too.
    • Stagger if you can. Support that overlaps less draws less from savings at once.
    • Maaser. Whether any support may come from maaser money is a question for your rav.