Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moTwo incomes deserve more than a single-earner planner.
Most planning tools were built for one earner with one 401(k). Real households have two careers, two benefit packages, two retirement timelines, kids, and shared goals. PeakWorth is built for the actual family balance sheet.
Median dual-income household income
~$140K
Top-quartile dual-income
$250K+
Avg # retirement accounts per dual household
4–6
Lifetime savings gap of one missed match
$200K+
Sound familiar?
The problems other toolsdon't solve for Dual-Income Families.
Tools assume one earner. You have two.
Two W-2s, two 401(k) matches, two HSAs, two Social Security streams, often two career timelines that don't sync. Apps built around one earner constantly mis-model your household.
Coordinating benefits is its own job
Whose health plan covers the kids? Whose HSA gets funded? Should you both max the 401(k) or one max + one Roth? The right answer depends on income split, employer match formulas, and tax bracket — and changes every year.
Big decisions need both partners aligned
House, car, school choice, who scales back when the baby comes — every decision has dual-income trade-offs. Without a shared model, the conversation stays emotional instead of analytical.
What you'll use most
The features that matter most for you.
- Both partners' incomes, raises, and retirements
- Coordinated benefits (health, HSA, 401(k) split)
- RSU vest schedules from both companies
- Joint goals + individual goals
- Household FI Age (not single-earner)
- Marriage & money decision tool
Start with a calculator
Quick wins for Dual-Income Families
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.
Mortgage calculator
Free mortgage calculator with full amortization, refinance break-even, and PMI. See how every loan term reshapes your wealth and FI Age.
Auto Loan calculator
Calculate your real auto loan payment, total interest, and 30-year wealth cost. Compare refinance scenarios and choose the right term.
Student Loan calculator
See your real student loan payoff timeline, total interest, and refinance savings — and how the payoff plan fits your FI plan.
Then run a real decision
Decisions Dual-Income Families 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.
How Much Do Kids Really Cost — and What Does It Do to Your FI Age?
Childcare, 529, lost income — see exactly how kids reshape your savings, retirement timeline, and 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.
Should You Take the Job, the Raise, or the Equity?
Job offer, raise, equity grant, or side hustle? Quantify the lifetime impact of any career move on your retirement and 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.
More across the PeakWorth network
Tools, comparisons, and benchmarks beyond Dual-Income Families.
Decision guide
Starting a business
Income volatility, retirement accounts, runway math.
Perspective
Burnout is a financial risk category
1–2 years of comp recovery belongs in the plan.
Free calculator
Total tax burden
Income tax + FICA + sales + property — all in.
Free calculator
Salary to feel rich
Reverse-engineer the income for your dream lifestyle.
Built for
PeakWorth for HENRYs
High earners, not rich yet — convert income into actual wealth.
Built for
PeakWorth for equity-comp employees
RSUs, options, and AMT — model the after-tax exit.
Frequently asked
Questions Dual-Income Families ask first
Can both partners have different retirement ages?
Yes. Each partner has their own age, retirement target, and income profile. PeakWorth handles staggered retirements (one partner at 55, the other at 62) cleanly.
Can we model one partner taking time off?
Yes. You can build scenarios where one partner pauses or reduces income for parenting, school, or a sabbatical, and see the long-term household impact.
Does it handle both Social Security streams?
Yes. Both partners' projected Social Security benefits are modeled separately, with the option to delay claiming for either to optimize lifetime household income.
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.