Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moOne of you retires first. The math gets weird.
5–15 year age gap means one of you needs a healthcare bridge while the other is on Medicare, Social Security claiming plays out differently for each spouse, and survivor benefits matter more. We handle all three.
Of US couples with 5+ yr age gap
~25%
Avg cost of survivor SS benefit
Up to 100% of higher earner
Healthcare bridge years (couple)
varies 5–20
Lifetime SS optimization swing
$200K+
Sound familiar?
The problems other toolsdon't solve for age-gap couples.
One on Medicare, one on the marketplace
When one of you turns 65 and the other has 8 years to go, the household healthcare picture splits. We model both lines with subsidy thresholds and IRMAA.
Social Security claiming is a joint optimization
Higher earner often delays to 70 to lift the survivor benefit; lower earner can claim earlier. The combination that produces the most household income is rarely both-the-same. We compute it so you can weigh it against the rest of your plan.
Survivor planning gets ignored until it's too late
Statistically, one of you outlives the other by 10+ years. We model the survivor's cash flow, SS benefit conversion, and IRMAA on a single income.
What you'll use most
The features that matter most for you.
- Joint Social Security claiming optimizer
- Split Medicare + ACA modeling
- IRMAA threshold awareness
- Survivor cash-flow projection
- Sequential retirement timing
- Spousal RMD coordination
Start with a calculator
Quick wins for age-gap couples
FIRE Number calculator
Free FIRE calculator that finds your Financial Independence age — the year your investments can fund your lifestyle. Then shows how to pull it forward.
Retirement Age calculator
Find your real retirement age based on your income, savings, and goals — not a generic '65.' See how each lever moves the date by years.
Investment Growth calculator
See the future value of your investments — but more importantly, see how that growth becomes your actual PeakWorth and FI Age, not just a number.
Savings Rate calculator
Your savings rate is the single most powerful number in personal finance. Find yours, see your time-to-FI, and what each 5% bump unlocks.
Then run a real decision
Decisions age-gap couples face most
When Can You Actually Retire? It's Probably Earlier Than You Think.
Pinpoint your real retirement age. Model withdrawal rates, sequence risk, healthcare bridge, and Social Security to find your true FI Age.
HDHP or PPO — Which Health Plan Actually Costs You Less?
Choose the right health plan. Compare HDHP + HSA vs PPO and see the true 5-year cost difference for your family.
What Estate Documents Do You Actually Need?
Wills, trusts, beneficiaries, and gifting strategy — protect what you've built and pass it efficiently to the people who matter.
More across the PeakWorth network
Tools, comparisons, and benchmarks beyond age-gap couples.
Decision guide
Insurance you actually need
Term life, disability, umbrella — what's worth it.
Built for
PeakWorth for physicians
Late start, high income, six-figure debt — modeled together.
Built for
PeakWorth for the sandwich generation
Kids and aging parents at once — see what gives.
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
Coast FIRE calculator
How much do you need today to coast to retirement?
Calculator
Barista FIRE calculator
Semi-retire on a part-time income — your number.
Frequently asked
Questions age-gap couples ask first
Should the higher earner delay to 70?
Often the math points that way — it locks in a 32% higher benefit and lifts the survivor benefit for the longer-lived spouse. We compute the household combination that produces the most income given your longevity assumptions so you can weigh it against the tradeoffs of waiting.
How do you handle the healthcare bridge?
We model ACA premiums + subsidies for the younger spouse while the older is on Medicare, including IRMAA thresholds and the MAGI cliffs that affect both.
What happens to RMDs when one spouse passes?
The survivor consolidates accounts and faces single-filer RMD tables and IRMAA thresholds — typically a meaningful tax-burden increase. We model it.
See your real PeakWorth in 2 minutes.
Free Quick Start. No credit card. A real projection of where your finances are heading — and exactly which moves change the picture.