Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moKids on one side. Parents on the other. You in the middle.
Eldercare costs, college tuition, your own retirement — all hitting in the same decade. PeakWorth lays them on a single timeline so you can see what gives, what stays, and where you actually land.
US adults sandwiched
~25M
Avg eldercare cost
$60K–$120K/yr (assisted)
Avg 4-yr college (private)
$240K+
Years all three demands overlap
5–15
Sound familiar?
The problems other toolsdon't solve for sandwich generation.
Three timelines, one paycheck
Mom needs assisted living. Daughter starts college. Your retirement is 8 years out. Generic planners model one of these. We model all three on a single timeline.
Eldercare costs are bottomless without a plan
Memory care can run $10K/mo and last 7+ years. Add the support you provide as a recurring expense and see the cumulative cost and the FI Age impact of supporting a parent.
You're sacrificing your retirement and don't see it
Every dollar to mom or to college is a dollar not compounding for you. We surface the FI Age cost so the choices are deliberate, not invisible.
What you'll use most
The features that matter most for you.
- Multi-generation cash-flow modeling
- Eldercare support as a recurring expense
- College + retirement squeeze visualizer
- Adjustable support amount and duration
- Sibling cost-sharing modeling
- Retirement-delay FI Age impact
Start with a calculator
Quick wins for sandwich generation
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.
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.
Feel-Rich Salary calculator
How much salary do you need to genuinely feel rich in your city? Adjusts for cost of living, taxes, and your real lifestyle targets.
Then run a real decision
Decisions sandwich generation face most
How Much Do Kids Really Cost — and What Does It Do to Your FI Age?
Childcare, 529, lost income — see exactly how kids reshape your savings, retirement timeline, and FI Age.
Is the Degree Worth It? Run the Real ROI
Should you pursue grad school, refinance student loans, or pay them off aggressively? See the lifetime ROI of every education decision.
Should You Max Your HSA — and What Will Healthcare Cost in Retirement?
From HSA strategy to large medical expenses — see the wealth impact of every healthcare decision and how to protect your FI Age.
What Estate Documents Do You Actually Need?
Wills, trusts, beneficiaries, and gifting strategy — protect what you've built and pass it efficiently to the people who matter.
More across the PeakWorth network
Tools, comparisons, and benchmarks beyond sandwich generation.
Tradeoff
Childcare decisions
A 5-year choice that reshapes the next 30.
Built for
PeakWorth for physicians
Late start, high income, six-figure debt — modeled together.
Built for
PeakWorth for new parents
A baby changes the math — childcare, 529s, and your FI Age.
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?
Calculator
Coast FIRE calculator
How much do you need today to coast to retirement?
Frequently asked
Questions sandwich generation ask first
How do I model supporting a parent?
Add the monthly support amount and expected duration as a recurring expense. We project the cumulative cost and the FI Age delay so the trade-off is explicit.
Should I prioritize my retirement or my kids' college?
Almost always retirement — kids can borrow for college, you can't borrow for retirement. We quantify the trade-off in years of delayed retirement vs the dollar gap in college funding.
What about siblings sharing parental support?
Define your share. We model just your portion of the cumulative cost against your plan.
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.