Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moBuilt for the way service members actually earn.
TSP contributions, the 20-year pension and VA disability as income, and PCS rent-vs-buy. PeakWorth projects the wealth and FI Age arc of a military career — you bring the service-specific tax details.
Active-duty service members
~1.3M
TSP contribution cap (2025)
$23,500
SDP guaranteed return (deployed)
10% APR
BRS pension multiplier
2.0% × years × base pay
Sound familiar?
The problems other toolsdon't solve for military families.
TSP saving gets ignored for years
Contributing early and consistently is worth hundreds of thousands over 20 years. Model your TSP contributions as a tax-advantaged bucket and see the FI Age impact.
PCS makes home-vs-rent a math problem every 3 years
Buy at base 1, sell at base 3, eat closing costs twice. The buy-vs-rent decision tool weighs both with a realistic stay duration.
The 20-year pension changes everything
A military pension is a large guaranteed income stream. Model it as retirement income and see how it reshapes your FI Age and savings needs.
What you'll use most
The features that matter most for you.
- TSP contribution modeling
- Military pension as retirement income
- VA disability income planning
- PCS buy-vs-rent decision tool
- Deployment savings as a savings bucket
- Year-by-year FI Age projection
Start with a calculator
Quick wins for military 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.
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.
Investment Growth calculator
See the future value of your investments — but more importantly, see how that growth becomes your actual PeakWorth and FI Age, not just a number.
Then run a real decision
Decisions military families face most
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.
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 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.
More across the PeakWorth network
Tools, comparisons, and benchmarks beyond military families.
Scenario
Can you retire on a $100K salary?
Yes — and a 30% savings rate gets you there ~7 years sooner.
Tradeoff
Retirement timing
The most sensitive variable in your whole plan.
Compare
PeakWorth vs J.P. Morgan Automated Investing
Chase-app robo at 0.35% vs the household plan above.
Built for
PeakWorth for self-employed & business owners
Lumpy 1099 income, entity tax, and runway — a real plan.
Built for
PeakWorth for age-gap couples
One retires first — the ACA, SS, and withdrawal math.
Free tool
See your full financial trajectory in 2 minutes
No signup. Real numbers. See your FI Age and net worth at every age.
Frequently asked
Questions military families ask first
Does it model my TSP?
You can model TSP contributions (and matching) as a tax-advantaged retirement bucket and see the long-run impact on your number. PeakWorth doesn't simulate the individual G/C/S/I/lifecycle fund returns — set an overall return assumption instead.
How do you handle a deployment?
Enter deployment savings (e.g., SDP) as a savings contribution and adjust income for tax-free combat pay. The combat-zone exclusion and retroactive Roth mechanics aren't computed for you.
What about VA disability?
Tax-free disability income flows into your plan as a non-taxable monthly benefit, factoring into your retirement cash flow.
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.