Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moYou just got the money. Now what?
$500K inheritance. $2M IPO. $1M business sale. Every dollar has a best home — but only if you sequence the moves right. PeakWorth's windfall engine plays the whole sequence forward.
Of windfalls fully spent in 5 years
~70%
Avg US inheritance
~$110K (median)
Top-1% IPO/equity event
$1M+
Tax difference: good vs bad allocation
10–25%
Sound familiar?
The problems other toolsdon't solve for windfall recipients.
The first move sets the tax bill for a decade
Sell now, sell later, gift to family, or convert to Roth — each has a multi-year tax tail. We model how the allocation lands across your accounts and the FI Age impact of each path.
Idle cash is its own risk
$1M sitting in savings quietly loses ground to inflation. Model moving it into your target asset mix and watch the projection — and your FI Age — respond.
Family dynamics break the math
Helping a sibling, paying off mom's house, the gift-tax lifetime exemption — every move has a planning implication. We surface them before you write the check.
What you'll use most
The features that matter most for you.
- Multi-year windfall allocation engine
- Roth conversion ladder modeling
- Tax-aware allocation across accounts
- Gift-tax + estate-tax planning
- Asset-mix reallocation in the projection
- FI Age impact of each allocation
Start with a calculator
Quick wins for windfall recipients
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.
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.
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 windfall recipients face most
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.
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.
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 windfall recipients.
Decision guide
Investing fundamentals
Index funds, allocation, rebalancing, tax-loss harvesting.
Scenario
What if you save $500 a month?
$612K over 30 years — the lever is time and consistency.
Compare
PeakWorth vs Schwab Intelligent Portfolios
“Free” robo with cash drag vs a real plan.
Built for
PeakWorth for young professionals
Set the foundation in your 20s, retire 10 years earlier.
Built for
PeakWorth for equity-comp employees
RSUs, options, and AMT — model the after-tax exit.
Calculator
Personal loan calculator
Compare APRs and see the lifetime wealth impact.
Frequently asked
Questions windfall recipients ask first
Should I lump-sum or DCA?
Historically lump-sum wins about 2/3 of the time, while dollar-cost-averaging smooths the ride. PeakWorth doesn't backtest the two against historical sequences, but you can model investing the windfall and see the projected outcome.
What about a donor-advised fund?
If your windfall pushes you into a top bracket, a DAF lets you bunch several years of giving and capture the deduction now. PeakWorth doesn't include a dedicated DAF optimizer — you can model the charitable cash outflow as part of your plan.
Can I plan family gifts?
Yes. Annual gift-tax exclusions ($18K/recipient in 2024) and lifetime exemption usage are modeled into the projection.
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.