PeakWorth™

Net Worth

$385KTop 42%

PeakWorth

$4.2M+$182K

FI Age

50y 1m-11mo

2 min

See your Work Optional Date

SneakPeak
For divorced & widowed planners

A new financial life. Built carefully, from here.

Asset division, alimony, beneficiary updates, survivor SS benefits, single-income retirement. Whether the change was chosen or not, the math forward is the same — and we'll walk it with you.

By , Founder of PeakWorth

Restart my planDivorce decision tool

Of US adults divorced

~25%

Of women widowed by 65

~40%

Avg post-divorce income drop (women)

~30%

Lifetime SS survivor benefit

Up to 100% of late spouse

Sound familiar?

The problems other toolsdon't solve for divorced & widowed.

The plan you had no longer exists

Joint accounts split, retirement halved by QDRO, one income where two were planned. We help you start from the new reality without pretending it's the old one.

Survivor SS benefits are confusing and underclaimed

Widows can claim survivor at 60 (reduced) or wait until FRA. The claim age that produces the most lifetime income depends on your own benefit and your spouse's. We compute it so the decision is informed, not guessed.

Beneficiary updates that get forgotten

Ex-spouse on the 401(k) is the most common missed update. We surface a checklist of accounts to review after a major life change.

Why PeakWorth

Built for how divorced & widowedactually think about money.

Restart-from-here planning

No assumptions from the old plan. Enter your current accounts, your current income, your current obligations — and we project forward from today.

Survivor SS optimizer

Claim survivor early and switch to your own at 70, or vice versa. We compute the lifetime-maximizing strategy.

Single-income retirement

What used to be a two-income FI Age recomputed honestly. With a clear path forward — and the levers that move it most.

From here

No baked-in assumptions from the old joint plan

Survivor optimizer

Switch strategy modeled for widows and widowers

Honest math

Single-income FI Age computed without false optimism

What you'll use most

The features that matter most for you.

  • Single-income retirement projection
  • Survivor SS claiming optimizer
  • QDRO + asset-split modeling
  • Alimony / spousal support planning
  • Beneficiary update checklist
  • Re-marriage scenario modeling

Start with a calculator

Quick wins for divorced & widowed

Then run a real decision

Decisions divorced & widowed face most

More across the PeakWorth network

Tools, comparisons, and benchmarks beyond divorced & widowed.

Decision guide

Insurance you actually need

Term life, disability, umbrella — what's worth it.

Read more

Tradeoff

Risk tolerance vs life stage

Risk capacity is time horizon and income stability, not personality.

Read more

Built for

PeakWorth for age-gap couples

One retires first — the ACA, SS, and withdrawal math.

Read more

Free tool

See your full financial trajectory in 2 minutes

No signup. Real numbers. See your FI Age and net worth at every age.

Read more

Overview

What is PeakWorth?

The financial decision engine for households — explained in 90 seconds.

Read more

Calculator

Net worth calculator

What you own minus what you owe — and your percentile.

Read more

Frequently asked

Questions divorced & widowed ask first

When should a widow claim survivor SS?

Often, claim survivor at 60 (reduced) and switch to your own delayed benefit at 70 — but the right answer depends on the size of each. Our optimizer computes it for your case.

Does it handle a QDRO?

Yes — model the percentage split of retirement accounts and project both sides' new trajectories independently.

Can I plan for re-marriage?

Yes. We model the income merge, the SS claiming changes, and the beneficiary implications of a future remarriage.

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.

Restart my planHow PeakWorth works