See what every financial decision is actually worth.
PeakWorth is the financial decision engine for households — your Personal Financial Strategy OS, powered by a real-time engine that calculates every decision's impact on your future. Enter your numbers once and see your full net worth trajectory, your projected Financial Independence age, and year-by-year cash-flow projections — then test any decision and watch your future change in real time.
What PeakWorth gives you
Most personal-finance tools are budgets dressed up. PeakWorth is a financial decision engine — a Strategy OS where every input feeds a live projection of your net worth, your FI Age, and the cost of every decision you're considering.
- Live PeakWorth projection — the highest net worth your household will ever reach, and the year it happens
- FI Age — the year you become financially independent based on your real numbers
- 20+ decision calculators — buying a home, switching jobs, having kids, retiring early, and more
- AI advisor that explains the trade-offs in plain English
- Built for dual-income households — every model handles two earners
Who PeakWorth is for
PeakWorth is built for dual-income households who want a clear, defensible answer to questions like: Can we afford this house? Should I leave my job? Will we be OK if one of us steps back to raise kids? When can we actually retire?
If you've been piecing it together with spreadsheets, you'll feel at home — except the math is done for you and updates instantly.
Frequently asked questions
What is PeakWorth?
PeakWorth is the financial decision engine for households — your Personal Financial Strategy OS, a real-time engine that projects your full lifetime net worth, your Financial Independence age, and the dollar-and-year impact of every major decision (home, job, kids, retirement). It's built for dual-income households who want one defensible answer instead of a stack of spreadsheets.
Is PeakWorth free?
Yes. The Quick Start calculator is completely free — no signup, no credit card, no email. You can see your current Net Worth, your projected lifetime PeakWorth, and your FI Age in about 3 minutes. Premium plans (Basic, Pro, AI Advisor Pro) unlock the full profile, 20+ decision calculators, scenario stacking, and the AI advisor.
How is PeakWorth different from Mint, YNAB, Monarch, or Empower?
Tracking apps like Mint, YNAB, Monarch, and Empower show you where your money went last month. PeakWorth shows you where your money is going for the next 60 years — and what every major decision changes. It's a strategy engine, not a budgeting ledger.
Do I have to link my bank accounts?
No. PeakWorth works entirely with manual inputs on every plan, including the free Quick Start. Bank linking via Plaid is available on Pro and above for automated balance and transaction tracking, but it is always optional.
Does PeakWorth work for dual-income households?
Yes — every model in PeakWorth handles two earners natively. Each partner's income, equity comp, retirement accounts, Social Security, and tax situation is modeled separately, then combined into one household projection. No more bolting two single-person plans together.