Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moCompound interest calculators show you a number. PeakWorth shows you what that number means: when you can stop working and what life it buys.
S&P 500 long-term avg return
~10% nominal, ~7% real
$500/mo for 30 yrs @ 7%
~$612K
$1,000/mo for 30 yrs @ 7%
~$1.22M
Doubling time @ 7%
~10 years
Enter age, income, savings, and goals — get a full Net Worth, PeakWorth, and FI Age projection in 2 minutes. No signup, no credit card, no email required.
Compound growth means your returns generate their own returns. Year 1 you earn 7% on your principal. Year 2 you earn 7% on principal + year-1 returns. By year 30, more than 70% of your balance is growth on growth — not your contributions.
This is why starting early dwarfs starting big. $200/mo from age 25 beats $400/mo from age 35 by retirement. Time is the single most powerful variable.
For long-term planning, use 7% real (after inflation) for a stock-heavy portfolio, 5% real for a balanced portfolio, 3% real for a bond-heavy portfolio. Avoid using nominal returns (10%) without subtracting inflation — you'll overshoot reality by 30–40%.
A calculator alone tells you the payment. PeakWorth tells you what that payment costs your retirement — and how every change ripples through the next 30 years of your finances.
If they assume 10%+ with no inflation adjustment, no. Use 7% real returns for honest long-term projections.
It's a great starting point, but it ignores taxes, withdrawals, and Social Security. For full retirement modeling, use the Quick Start.
Divide 72 by your return rate to find doubling time. At 7%, money doubles in ~10.3 years. At 9%, ~8 years.
Wealth
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Set the foundation in your 20s, retire 10 years earlier.
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Cost of
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$5/day. 30 years. The FI Age cost of a daily latte.
PeakWorth includes every loan calculator above — connected to your real income, expenses, and goals. Every number you change updates your live FI Age and lifetime projection.
