PeakWorth™

Net Worth

$385KTop 42%

PeakWorth

$4.2M+$182K

FI Age

50y 1m-11mo

2 min

See your Work Optional Date

SneakPeak
For single-income families

One income. Every dollar has to work harder.

Spousal IRA, life insurance on the non-earner, return-to-work scenarios, the single-point-of-failure math. Built for households where one paycheck supports the whole plan.

By , Founder of PeakWorth

Build our one-income plan

Single-income US households

~30%

Of stay-at-home parents under-insured

~80%

Spousal IRA contribution limit (2025)

$7,000

Avg cost to replace SAH parent labor

$50K–$100K/yr

Sound familiar?

The problems other toolsdon't solve for single-income households.

If the earner stops, the plan stops

One income means one risk. PeakWorth quantifies the income-replacement gap, the disability gap, and the survivor benefit — so the plan survives you.

The non-earner is invisible to most planners

The spousal IRA, the SS spousal benefit, the cost of replacing the SAH parent's labor — these are real lines that most apps ignore. We model them.

Return-to-work is a math question

When kids are in school, going back changes the picture. We model the income, the daycare savings, the SS credits, and the FI Age impact of returning at year 5 vs 10 vs 15.

Why PeakWorth

Built for how single-income householdsactually think about money.

Built for one paycheck

Single-income cash flow with spousal IRA, spousal SS benefits, and the labor-value of the at-home partner factored into the plan.

Survivorship modeling

If the earner dies or becomes disabled, what happens to the plan? We surface the gap and the term-life policy that closes it.

Return-to-work scenarios

Model going back at any year. See the income, the daycare offset, the SS credit recovery, and the FI Age delta.

Spousal IRA

Modeled as a first-class contribution lever

5–10× income

Typical term-life gap surfaced for single-income households

Year-by-year

Return-to-work modeled at any chosen year

What you'll use most

The features that matter most for you.

  • Spousal IRA + spousal SS modeling
  • Single-earner term-life sizing
  • Disability insurance gap analysis
  • Return-to-work scenario modeling
  • Cost-to-replace SAH parent labor
  • Survivor cash-flow planning

Start with a calculator

Quick wins for single-income households

Then run a real decision

Decisions single-income households face most

More across the PeakWorth network

Tools, comparisons, and benchmarks beyond single-income households.

Decision guide

Starting a business

Income volatility, retirement accounts, runway math.

Read more

Perspective

Burnout is a financial risk category

1–2 years of comp recovery belongs in the plan.

Read more

Built for

PeakWorth for dual-income households

Joint planning, two careers, one optimal strategy.

Read more

Built for

PeakWorth for couples merging finances

Two financial lives, one plan — joint vs separate, modeled.

Read more

Calculator

Personal loan calculator

Compare APRs and see the lifetime wealth impact.

Read more

Cost of

Your daily coffee, in retirement years

$5/day. 30 years. The FI Age cost of a daily latte.

Read more

Frequently asked

Questions single-income households ask first

How much life insurance does the earner need?

Enough to replace the income stream on plan, plus pay off debts and fund kids' college. We compute it bottom-up against your actual plan, not a 10× rule.

Should the SAH parent have life insurance too?

Often yes — replacing childcare, household management, and meal prep can run $50K+/yr. We quantify it for your household.

How does spousal IRA work?

The working spouse can contribute to a Roth or traditional IRA on behalf of the non-working spouse, up to $7,000 (2025). We project the long-run wealth impact in 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.

Build our one-income planHow PeakWorth works