Two finish lines: your money and your life
How much is that habit actually costing you?
Interactive calculators that turn everyday spending into the only number that matters: years of financial freedom. Pick a tradeoff, move the sliders, share the result.
The years between FI and retirement are yours — that's the time PeakWorth helps you win back.
Calculators
17+
Categories
4
Interactive
Live sliders
Cost
Free
Daily Habits
Small recurring purchases that compound to massive lifetime numbers.
Daily Habits
Your daily coffee = a $X life decision.
A $7 daily latte → ~$280k of future net worth.
Run the calculatorDaily Habits
Your brunch habit costs more than your first house down payment.
Weekend brunch → exceeds a starter-home down payment.
Run the calculatorDaily Habits
Your DoorDash habit is quietly costing you years of freedom.
$32 per delivery × 4x/week → six-figure FI hit.
Run the calculatorDaily Habits
Buying lunch every workday = years of late retirement.
Daily $15 lunch → years of late retirement.
Run the calculatorDaily Habits
Twice-a-week happy hour = $X of future net worth — gone.
$30 twice a week → significant FI delay.
Run the calculatorDaily Habits
Constant Uber rides = a hidden car payment.
3 rides/week → hidden $260/mo car payment.
Run the calculatorFlex vs Freedom
Status purchases vs the years of freedom you're trading for them.
Flex vs Freedom
Driving a BMW vs a Honda = 5+ years of late retirement.
$400/mo car premium → years of late retirement.
Run the calculatorFlex vs Freedom
Trading in every 3 years = a small house, gone.
3-year trade cycle → ~$300 extra/mo forever.
Run the calculatorFlex vs Freedom
Boat ownership = a hole in the water you pour money into.
$1,500/mo all-in for ~18 days/yr of actual use.
Run the calculatorFlex vs Freedom
RV ownership = a depreciating apartment on wheels you use 3 weeks a year.
$1,200/mo all-in for ~20 nights/yr of actual use.
Run the calculatorFlex vs Freedom
Motorcycle ownership = a second set of payments for a seasonal toy.
$350/mo all-in for ~30 ride days/yr in most climates.
Run the calculatorLifestyle Tradeoffs
Big lifestyle choices that quietly reshape your retirement timeline.
Lifestyle Tradeoffs
A $1M house vs a $500k house = 5+ years of late retirement.
$1M house = $2,500/mo more than a $500k house.
Run the calculatorLifestyle Tradeoffs
Private school for two kids = $1M+ over 13 years.
Private K-12 for 2 kids → $1M+ over 13 years.
Run the calculatorLifestyle Tradeoffs
Upgrading your phone yearly = the silent flex tax.
Yearly phone upgrade ≈ $900/yr after trade-in.
Run the calculatorSilent Killers
Recurring drains you forgot about — and what they're really costing you.
Silent Killers
The average household pays for $273/mo of forgotten subscriptions.
Most households leak $273/mo to forgotten subs.
Run the calculatorSilent Killers
Carrying $10k of credit card debt = the most expensive habit there is.
23% APR is wealth-destruction at scale.
Run the calculatorSilent Killers
The gym counts on you not showing up.
67% of gym memberships go unused — yours?
Run the calculatorMore across the PeakWorth™ network
Decision guides, calculators, audiences, and comparisons that pair well with the True Cost Library.
Tradeoff
Housing vs freedom
The hidden tradeoff baked into every mortgage.
Tradeoff
The real cost of lifestyle inflation
Every $500/mo of new fixed spend is a ~$180K decision.
Free tool
See your full financial trajectory in 2 minutes
No signup. Real numbers. See your FI Age and net worth at every age.
Calculator
Recreational loan calculator
Boats, RVs, and motorcycles — the real FI Age cost of the toy.
Calculator
FIRE calculator
Your FI Age, your number, and the savings rate to get there.
Built for
PeakWorth for FIRE pursuers
Coast, barista, full FIRE — modeled in real time.
Build your wealth. Optimize your life.
Library calculators use general assumptions. PeakWorth uses your real income, savings, taxes, and goals to turn every decision into an FI Age — across your whole financial life.
Calculate my FI AgeFree, 2 minutes, no signup.