Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moYour pension is the backbone of your retirement. We build the plan around it.
Teachers, firefighters, public workers — your pension is the backbone of your retirement. PeakWorth models it as guaranteed income, folds in your 403(b) + 457(b) contributions, and projects your FI Age.
US workers with a pension
~22M
Avg public-pension PV (mid-career)
$500K–$1.5M
457(b) contribution cap (2025)
$23,500
403(b) contribution cap (2025)
$23,500
Sound familiar?
The problems other toolsdon't solve for public sector.
Your pension is the plan, not a footnote
A guaranteed $50K/yr at 60 carries most of your retirement. We model it as income in your projection so the rest of the plan is built around it.
WEP and GPO can cut your Social Security
If you have a non-covered pension, your SS benefit can be reduced — and a spouse's benefit can be offset under GPO. PeakWorth doesn't compute WEP/GPO for you, so enter your adjusted SS estimate from the SSA.
457(b) is the most underused account in America
Stack alongside your 403(b) for $47K/yr in pre-tax savings — and access penalty-free at separation. Model both contributions in your plan.
What you'll use most
The features that matter most for you.
- Pension modeled as guaranteed income
- 403(b) + 457(b) coordinated stacking
- Pension COLA assumptions
- Early-separation 457 penalty-free withdrawal
- Pension + Social Security on one timeline
- Year-by-year FI Age projection
Start with a calculator
Quick wins for public sector
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 public sector 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.
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 public sector.
Free tool
See your full financial trajectory in 2 minutes
No signup. Real numbers. See your FI Age and net worth at every age.
Scenario
Can you retire on a $100K salary?
Yes — and a 30% savings rate gets you there ~7 years sooner.
Tradeoff
Career moves are multi-axis tradeoffs
Comp, stress, equity, optionality — all hit your FI Age.
Compare
PeakWorth vs J.P. Morgan Automated Investing
Chase-app robo at 0.35% vs the household plan above.
Compare
PeakWorth vs E*TRADE Core Portfolios
E*TRADE’s 0.30% ETF wrapper vs a real plan.
Built for
PeakWorth for HENRYs
High earners, not rich yet — convert income into actual wealth.
Frequently asked
Questions public sector ask first
How do you handle my pension?
We model it as a guaranteed income stream from your chosen start age, with your COLA assumption, flowing into your year-by-year retirement cash flow. (We don't present-value it as a single balance-sheet asset.)
Will WEP cut my Social Security?
It can, if you have a pension from non-SS-covered work (some teachers, firefighters, federal pre-1984). PeakWorth doesn't compute the WEP/GPO reduction — use the SSA's estimate and enter your adjusted benefit into the plan.
Can I really stack 403(b) and 457(b)?
Yes — they're separate plans with separate caps. Most public employees can contribute the full $23,500 to each in 2025, plus catch-up at 50+.
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.