Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moEarning $250K+ — and still feel like you're behind?
You're not alone. HENRYs make great money and still wonder where it all went. PeakWorth turns your high income into a high net worth — by showing you the leaks, the levers, and the FI Age impact of every dollar.
Median HENRY household income
$250K–$500K
Effective tax rate (HCOL HENRYs)
~37–45%
% with under $250K invested at 35
~60%
Years high income often lasts
10–20
Sound familiar?
The problems other toolsdon't solve for HENRYs.
Six figures in, six figures out
Mortgage, daycare, two car payments, taxes, lifestyle — and the bonus check disappears before it hits your investment account. The income looks great on paper. The net worth doesn't match.
Taxes feel impossible to optimize
You're past the easy 401(k)-match math. Mega backdoor, deferred comp, RSU sales windows, AMT — every choice has a five-figure tax consequence and no one's modeling it for you.
Lifestyle creep is silent and expensive
Each raise quietly raises the floor. Without a system that shows the lifetime cost of every $1,000/mo of new spend, the new house and the second car push your FI Age out by a decade.
Generic planners don't get HENRYs
Most apps assume you're trying to make rent. You're trying to figure out whether to max the deferred comp, buy the rental, or front-load the 529. Your problem is allocation, not budgeting.
What you'll use most
The features that matter most for you.
- RSU vest + tax modeling
- Mega backdoor Roth and after-tax 401(k) projections
- Dual-income household planning
- Bonus allocation playbook (debt vs invest vs tax-advantaged)
- Real-estate vs taxable brokerage scenarios
- Added-spending scenarios modeled against your FI Age
Start with a calculator
Quick wins for HENRYs
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.
Personal Loan calculator
Calculate personal loan payments, total interest, and the real opportunity cost. Compare to credit card payoff and home equity options.
Then run a real decision
Decisions HENRYs face most
What Should You Do With a Bonus?
Got a bonus or raise? See how splitting it between debt, investing, taxes, and lifestyle changes your FI Age — and choose the split that fits your priorities.
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.
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.
More across the PeakWorth network
Tools, comparisons, and benchmarks beyond HENRYs.
Tradeoff
Career moves are multi-axis tradeoffs
Comp, stress, equity, optionality — all hit your FI Age.
Perspective
Why financial stress persists at high income
More income doesn't dissolve anxiety without a system.
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 expats & cross-border earners
American income, international life — one US-side plan.
Built for
PeakWorth for dual-income households
Joint planning, two careers, one optimal strategy.
Frequently asked
Questions HENRYs ask first
I make $300K but feel broke. Is that normal?
Extremely. HCOL housing, taxes, daycare, and student loans regularly consume 70–80% of a $300K gross. PeakWorth quantifies exactly where every dollar goes and shows you the highest-leverage adjustments to start widening that gap.
Will PeakWorth handle my RSUs and deferred comp?
Yes. You can model multi-year vest schedules, deferred-comp distributions, and after-tax-401(k) contributions, and see the long-term net-worth and tax impact of selling vs holding.
Can it handle two W-2s plus a side business?
Yes — the platform is built dual-income-first. You can layer on 1099 income, S-corp distributions, and self-employment retirement accounts (Solo 401(k), SEP IRA).
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.