Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moIncome matters less than you think. Savings rate matters more. See yours, then see what 5% more saves you in years of work.
Avg US savings rate (2026)
~4.5%
Common rule-of-thumb minimum
15%
FI in ~17 years requires
~50% savings rate
FI in ~10 years requires
~65% savings rate
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.
If you save 10% of a $200K income, you're 90% dependent on that paycheck and FI is ~50 years away. If you save 50% of a $80K income, you only need to replace half your spending and FI is ~17 years away. The lower spender wins — by decades.
Mr. Money Mustache's famous chart maps it cleanly: at 10% savings, work 51 years. At 25%, 32 years. At 50%, 17 years. At 75%, 7 years.
Take all money saved or invested in a year (401k contributions including match, IRA, taxable brokerage, HSA, extra mortgage principal) and divide by gross income. Some purists divide by post-tax income; either is fine as long as you're consistent.
Don't include emergency-fund contributions you'll spend within a year, or 'savings' for short-term goals like a vacation.
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.
It's a good floor — 20% to savings/debt payoff is the absolute minimum to retire on time. For early retirement, target 35%+.
Yes. It's part of your savings rate because it's compensation that gets invested for you. Always capture the full match.
The principal portion of your mortgage payment builds equity, which is a form of savings. Interest, taxes, and insurance are pure expenses.
Retirement
FIRE Calculator — When Can You Reach Financial Independence?
Wealth
Net Worth Calculator — See Today's Number AND Your Future Wealth
Retirement
When Can I Retire? — A Calculator That Tells You The Year, Not Just A Number
Wealth
Investment Growth Calculator — From Future Value to Your Real PeakWorth™
Learn guides, true-cost calculators, and audience playbooks across the PeakWorth network.
Scenario
Can you retire on a $100K salary?
Yes — and a 30% savings rate gets you there ~7 years sooner.
Scenario
FI if you save 20% of income
The floor for traditional FI — each +5% chops 4–6 years.
Built for
PeakWorth for FIRE pursuers
Coast, barista, full FIRE — modeled in real time.
Built for
PeakWorth for single-income households
One income — make every dollar work harder.
Free tool
See your full financial trajectory in 2 minutes
No signup. Real numbers. See your FI Age and net worth at every age.
Cost of
Your daily coffee, in retirement years
$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.
