Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moFive years out. Run the numbers before you give notice.
Withdrawal order, Social Security timing, healthcare from 60 to 65. The decade before retirement has more high-stakes choices than the 30 years that came before. We model them year by year — and you can flex your return and spending assumptions to see how the plan holds.
Years before retirement we model
5–10
Healthcare gap (retire at 60, Medicare at 65)
5 years
Lifetime SS difference (62 vs 70)
$200K+
Highest-stakes decade
5 yrs before–5 yrs after
Sound familiar?
The problems other toolsdon't solve for pre-retirees.
"Can I actually retire?" is a math question, not a feeling
Generic calculators give you a number. PeakWorth runs a year-by-year deterministic projection against your actual portfolio and spending — and you can dial returns down, inflation up, or add a spending shock to see how the plan reacts.
Withdrawal order moves your taxes by years
Brokerage first, then traditional, then Roth — the textbook answer is wrong for many. We model the right tax-aware drawdown for your bracket, your RMDs, and your Social Security timing.
The healthcare bridge is the silent killer
Retire at 60, wait 5 years for Medicare. ACA premiums for a couple can be $30K/yr without subsidies — and the subsidies cliff at MAGI thresholds we'll help you stay under.
What you'll use most
The features that matter most for you.
- Deterministic retirement projection with adjustable assumptions
- Tax-aware withdrawal order optimizer
- Social Security claiming optimizer (joint)
- ACA bridge + IRMAA threshold modeling
- Roth conversion ladder modeling
- Year-by-year withdrawal & tax projection
Start with a calculator
Quick wins for pre-retirees
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.
Retirement Age calculator
Find your real retirement age based on your income, savings, and goals — not a generic '65.' See how each lever moves the date by years.
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.
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.
Then run a real decision
Decisions pre-retirees 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 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.
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 pre-retirees.
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Worldview pillar
Optimize for life, not just money
Time freedom, optionality, and FI Age — the real scoreboard.
Built for
PeakWorth for pension-eligible workers
Build the plan around your pension as guaranteed income.
Overview
What is PeakWorth?
The financial decision engine for households — explained in 90 seconds.
Frequently asked
Questions pre-retirees ask first
How do you compute whether the plan holds?
A deterministic year-by-year projection applied to your actual portfolio mix, spending plan, and Social Security timing. You can adjust the assumptions — lower returns, higher inflation, a spending shock — to see how the plan reacts.
Does it handle Roth conversions?
Yes — annual conversion amounts that fill specific tax brackets, with multi-year ladders that coordinate with Social Security, RMDs, and IRMAA thresholds.
Can my spouse and I model claiming separately?
Yes. Each spouse's benefit is projected independently with claim-age scenarios, and the joint optimizer surfaces the combination that produces the highest lifetime household income so you can weigh it against the other tradeoffs that matter to you.
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.