Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moSubtract commute, work clothes, lunches, decompression time, and after-tax leakage. The number is usually 30–50% lower than your stated rate.
Avg US commute (round trip)
~55 min
Avg work clothes spend
$1,000–$3,000/yr
Lunch out vs packed (annual)
$2,500+ delta
Real-rate haircut (typical)
30–50%
A $100,000 salary divided by 2,080 hours is $48/hr. But after federal + state tax, FICA, commute, work clothes, lunches out, and the unpaid 50–60-hour weeks most salaried workers actually log, the real number is closer to $22–$28/hr. This calculator subtracts every line so you see what your time is genuinely worth.
When a $400 jacket trades 18 hours of your life — not 8 — the decision changes. The 'Your Money or Your Life' framework hinges on this calculation: it converts every dollar back into the hours you traded for it, so the next purchase is an intentional one.
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.
Yes — health insurance, employer 401(k) match, and HSA contributions add real value back. The calculator handles both directions.
Commuting is unpaid time you only spend because of work. Including it shows the real hours-per-paycheck cost.
Learn guides, true-cost calculators, and audience playbooks across the PeakWorth network.
Cost of
Eating lunch out every day
$15 × 250 workdays — what compounds over a career.
Benchmarks
Net worth by age in California
2026 benchmarks adjusted for high cost of living.
Benchmarks
Net worth on a $100K salary
What's normal at every age — and how saving moves it.
Compare
PeakWorth vs J.P. Morgan Automated Investing
Chase-app robo at 0.35% vs the household plan above.
Benchmarks
Income by age
Median individual & household income at every age.
Benchmarks
Average income in America
Mean, median, and the full income distribution.
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.
