Spending, housing, and goals
Model college costs and a linked 529
Project tuition and living costs and reserve a 529 for its linked education goal.
When this applies
Use this for a beneficiary with an expected enrollment year and family funding target.
Where to enter it
Portfolio > Scenario Editor > College Savings Goals; Accounts & Holdings > 529 plan
How to enter it
- Add the college goal, beneficiary, institution assumption, enrollment year, and program length.
- Enter tuition/living cost, base year, inflation, scholarships, and family funding target.
- For UC, use cohort locking when appropriate.
- Add a 529 account and link it to the goal.
How YARCalc uses it
- The 529 funds qualified modeled education cost tax-free before the remaining family share reaches normal withdrawals.
- Restricted 529 balances cannot fund ordinary retirement spending.
- Stochastic results include a dedicated education-funding probability.