Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moTwo financial lives, one plan.
Joint vs separate, his-debt-her-savings, merged FI Age, prenup math, who-claims-what. PeakWorth models both your trajectories — separately, together, and through the actual decision points.
Of couples that fight about money
~70%
Median age at first marriage (US)
28–30
Of marriages where 1 partner has student debt
~45%
Joint vs separate satisfaction split
evenly mixed
Sound familiar?
The problems other toolsdon't solve for couples merging.
His debt, her savings, no shared plan
Combining $80K in loans with a healthy 401(k) requires a strategy, not a vibe. PeakWorth shows both paths — joint payoff vs separate — in dollars and FI Age years.
Filing jointly might cost you
MFJ vs MFS, AMT, surcharge thresholds — sometimes 'married filing separately' wins. We compute both filing statuses and show the tax delta. (If a spouse has income-driven student loans, weigh that separately — we don't recompute IDR payments.)
You haven't talked about FI age
He wants to retire at 55. She wants to coast at 50. Whose number matters? PeakWorth shows the merged FI Age and the savings rate that gets both of you there.
What you'll use most
The features that matter most for you.
- Two-profile household merging
- MFJ vs MFS tax comparison
- Joint vs separate accounts modeling
- Merged FI age + per-partner contribution
- Prenup scenario stress-testing
- Debt strategy across two balance sheets
Start with a calculator
Quick wins for couples merging
Paycheck calculator
Free paycheck calculator. Estimate your real take-home pay after federal tax, FICA, state tax, 401(k), and benefits — for any pay frequency.
Net Worth calculator
Free net worth calculator that doesn't just snapshot today — it projects your full lifetime PeakWorth, year by year. See where you'll peak and when.
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.
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 couples merging face most
How Does Marriage Change Your Money?
From combining finances to filing jointly to prenups — see the financial implications of marriage on your wealth and FI Age.
Snowball or Avalanche — Which Pays Off Your Debt Fastest?
Compare snowball vs avalanche, see your interest savings, and find the fastest path to debt freedom — and to your FI Age.
Should You Buy, Rent, Refinance, or Sell?
Should you buy a home, refinance, or keep renting? Compare 30-year wealth outcomes for each path and see how each changes your FI Age.
Which Investing Decisions Actually Move Your Retirement?
Asset allocation, tax-loss harvesting, taxable vs tax-advantaged — model every investing decision and its impact on your retirement.
More across the PeakWorth network
Tools, comparisons, and benchmarks beyond couples merging.
Decision guide
Career & income decisions
Job change, equity, side income — the wealth math.
Decision guide
Starting a business
Income volatility, retirement accounts, runway math.
Built for
PeakWorth for dual-income households
Joint planning, two careers, one optimal strategy.
Built for
PeakWorth for single-income households
One income — make every dollar work harder.
Cost of
Eating lunch out every day
$15 × 250 workdays — what compounds over a career.
Compare
PeakWorth vs J.P. Morgan Automated Investing
Chase-app robo at 0.35% vs the household plan above.
Frequently asked
Questions couples merging ask first
Can we plan separately and then merge?
Yes. Each of you can build a profile, then combine into a household plan that shows both trajectories and the merged FI Age.
Does it model student loan IDR after marriage?
Not directly — PeakWorth doesn't recompute income-driven repayment amounts. It does compute the MFJ vs MFS tax delta, which is the other half of that decision; pair it with your loan servicer's IDR estimate.
What if we have a prenup?
Define the separate vs marital asset split, and we'll project the household plan with prenup-aware ownership and divorce-scenario stress tests.
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.