Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moGeneric calculators assume you'll work until 65. PeakWorth™ tells you the actual year you can stop — and exactly which decisions move it.
Avg US retirement age
62 (women), 65 (men)
Full Social Security age
67 (born 1960+)
Earliest SS claiming age
62 (with reduction)
Medicare eligibility age
65
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.
There are two retirement ages: when you're allowed to stop (Social Security and Medicare rules), and when you can afford to stop (your portfolio is big enough). The second one is what matters — and it's almost always earlier than people assume.
PeakWorth's Quick Start finds the exact year your projected portfolio crosses your FI threshold. Many users discover they can retire 5–8 years earlier than they thought — if they make 2 or 3 specific changes.
1. Savings rate (biggest impact — every 5% adds ~3 years of freedom). 2. Spending in retirement (lower expenses = lower target = earlier finish). 3. Investment allocation (a too-conservative portfolio in your 30s can trade away 5+ years of FI). 4. Tax-advantaged account usage (401k match, Roth, HSA — free money that compounds for decades).
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, if you've hit your FI number AND have a bridge plan for healthcare until 65 (Medicare). The Rule of 55 also lets you tap your current 401(k) penalty-free if you separate from that employer at 55+.
Claiming early (62) cuts your benefit ~30%. Waiting to 70 increases it ~24% over full retirement age. For many early retirees, delaying SS while drawing from portfolios produces the most lifetime income — but the right call depends on health, longevity, and how much you value income now versus later.
Plan for $800–$1,500/mo per person in ACA marketplace premiums (subsidies based on income), or stay employed until 65 in a job with retiree healthcare.
Learn guides, true-cost calculators, and audience playbooks across the PeakWorth network.
Free tool
See your full financial trajectory in 2 minutes
No signup. Real numbers. See your FI Age and net worth at every age.
Decision guide
Retiring
Withdrawal rate, sequence risk, healthcare bridge.
Scenario
Can you retire on a $100K salary?
Yes — and a 30% savings rate gets you there ~7 years sooner.
Built for
PeakWorth for FIRE pursuers
Coast, barista, full FIRE — modeled in real time.
Built for
PeakWorth for late starters
Behind on retirement? The catch-up math is forgiving.
Compare
PeakWorth vs Vanguard Digital Advisor
Cheapest robo in the category vs the planning layer above.
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.
