Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moFIRE without the spreadsheets.
If you've been hand-rolling savings rate, 4% rule, and Coast FI math in 14 tabs of Google Sheets, PeakWorth is what you've been trying to build. Real projections, real trade-offs, your real FI Age — recalculated every time you change a single input.
Savings rate to retire in 15 yrs
~50%
Savings rate to retire in 25 yrs
~30%
Classic safe withdrawal rate
3.5–4%
Years of expenses to be FI
25–33×
Sound familiar?
The problems other toolsdon't solve for FIRE Community.
Spreadsheets break at the edges
Coast FI, Barista FI, Lean vs Fat, sequence-of-returns risk, Roth conversion ladders — every new variable means another tab, another formula, another bug. You spend more time maintaining the model than living the plan.
Most planners assume you'll work to 65
The mass-market tools have hard-coded retirement at 65 and 'safe' return assumptions tuned for 401(k) defaults. If you're targeting 45 or 50, the standard math doesn't even apply.
It's hard to see what's actually working
Did increasing your savings rate 3% really matter? Was the house downsize worth it? Without a year-by-year projection that updates on every input change, you're flying blind on the decisions that decide the date.
What you'll use most
The features that matter most for you.
- FI Age headline metric
- Coast FI / Barista FI calculators
- Roth conversion ladder modeling
- Brokerage bridge to age 59½
- Adjustable withdrawal-rate assumptions
- Real expense modeling (no 80% rule shortcut)
Start with a calculator
Quick wins for FIRE Community
Mortgage calculator
Free mortgage calculator with full amortization, refinance break-even, and PMI. See how every loan term reshapes your wealth and FI Age.
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.
Credit Card Payoff calculator
See exactly when you'll be debt-free, how much interest you'll pay, and whether a balance transfer is worth it. Free credit card calculator.
Then run a real decision
Decisions FIRE Community 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.
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.
Which Retirement Accounts Should You Fund First?
Traditional vs Roth, 401(k) vs IRA, backdoor and mega backdoor — see how each account stack lands for YOUR tax situation and pick the one that fits.
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.
More across the PeakWorth network
Tools, comparisons, and benchmarks beyond FIRE Community.
Calculator
FIRE calculator
Your FI Age, your number, and the savings rate to get there.
Scenario
FI if you save 20% of income
The floor for traditional FI — each +5% chops 4–6 years.
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
Retirement age calculator
When can you actually stop working?
Scenario
Can you retire on a $100K salary?
Yes — and a 30% savings rate gets you there ~7 years sooner.
Compare
PeakWorth vs Schwab Intelligent Portfolios
“Free” robo with cash drag vs a real plan.
Frequently asked
Questions FIRE Community ask first
Does PeakWorth handle Coast FI and Barista FI?
Yes. You can model partial-income years, lower contribution years, and a bridge period of part-time work — and see how each scenario shifts your true FI Age.
Can I model Roth conversion ladders?
Yes. You can plan multi-year conversions, project the tax impact, and see how the ladder unlocks penalty-free brokerage withdrawals before age 59½.
Is this better than my custom spreadsheet?
If your spreadsheet already does dual income, year-by-year tax brackets, RSU vests, mortgage amortization, employer match vesting, and Social Security — keep it. Otherwise PeakWorth is doing in 2 minutes what most FIRE spreadsheets take 100 hours to half-build.
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.