Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moYour equity comp is half your pay. Treat it like it.
RSUs, ISOs, NSOs — your offer letter is a multi-year tax + investing problem. The equity decision tool projects your grant's after-tax value at a target exit, and vesting income flows into your year-by-year plan and FI Age.
Median tech equity grant (sr eng)
$200K–$600K / 4 yrs
Of comp from equity at FAANG L5+
40–65%
ISO AMT bills triggered annually
tens of thousands
Avg concentration in employer stock
30–60% of net worth
Sound familiar?
The problems other toolsdon't solve for tech & equity-comp.
Vest cliffs you can't see past
Your refresh grant, the cliff, the next refresh — it's a cliff-by-cliff puzzle and most planning tools assume a flat salary. PeakWorth lays the multi-year vest schedule against your spending, taxes, and FI Age.
AMT lurking in every ISO exercise
Exercise too many ISOs in one year and you can owe AMT in cash you may not have. Our tax tools include AMT so you can pressure-test how an exercise year lands before you sign the paperwork.
Concentration risk you keep ignoring
When 50% of your net worth is in one ticker, a bad earnings print is a five-year setback. Model selling and reinvesting across your accounts to see how diversifying reshapes your projection.
What you'll use most
The features that matter most for you.
- Equity grant after-tax exit modeling
- RSU/option vesting income in the year-by-year plan
- AMT included in the tax tools
- Sell-and-reinvest diversification scenarios
- FI Age impact of an equity event
- Mega backdoor Roth + after-tax 401(k)
Start with a calculator
Quick wins for tech & equity-comp
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.
Bonus Tax calculator
Federal supplemental withholding takes 22% off the top — and 37% above $1M. See your real take-home from any bonus, by state and method.
Income Growth Projection calculator
Project your salary 5, 10, 20 years out with realistic raise + promotion assumptions. See your lifetime earnings — and what that means for FI.
Total Tax Burden calculator
Add up federal income tax, FICA, state, local, sales, and property tax. See the real % of your income that goes to government.
Then run a real decision
Decisions tech & equity-comp face most
What Should You Do With a Bonus?
Got a bonus or raise? See how splitting it between debt, investing, taxes, and lifestyle changes your FI Age — and choose the split that fits your priorities.
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.
How to Turn a Windfall Into Permanent Freedom
Got an inheritance, RSU vest, or large bonus? See a sequence of moves that turns a one-time event into permanent freedom — and what each step trades for what.
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 tech & equity-comp.
Compare
PeakWorth vs Merrill Guided Investing
BofA-stack robo at 0.45–0.85% vs a real plan.
Compare
PeakWorth vs J.P. Morgan Automated Investing
Chase-app robo at 0.35% vs the household plan above.
Free calculator
Total tax burden
Income tax + FICA + sales + property — all in.
Free calculator
Salary to feel rich
Reverse-engineer the income for your dream lifestyle.
Built for
PeakWorth for HENRYs
High earners, not rich yet — convert income into actual wealth.
Built for
PeakWorth for dual-income households
Joint planning, two careers, one optimal strategy.
Frequently asked
Questions tech & equity-comp ask first
Does PeakWorth handle AMT?
Our tax tools include AMT, so you can model an exercise year and see how it lands. We don't auto-stage ISO exercises for you — you set the year and amounts and the tax picture follows.
What about ESPP?
There's no dedicated ESPP optimizer. You can treat ESPP proceeds as income/savings in your plan, but the lookback and disposition timing math is something you'd work out separately.
Can I model a private-company exit?
Yes — set a projected exit FMV and target year, and the equity tool shows the after-tax proceeds and how they move your FI Age.
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.