A gift that compounds
Give them the gift of starting early.
A new job, a marriage, a big birthday, a graduation — every milestone is really a financial turning point, and the decisions made around it either compound or quietly cost them. PeakWorth is the gift that helps them choose well: it shows their FI Age, their full net worth trajectory, and the real dollar impact of every decision ahead of them.
Why now
Starting ten years earlier beats earning more — at every milestone.
Compounding rewards time more than it rewards income. Whoever starts at the first big turning point — a new job, a marriage, a milestone birthday, a graduation — doesn't have to save more, they just have to start. Most people don't, because nobody hands them a plan. That's the gift.
Start early
$1.2M
$500/month from age 22 at a 7% real return, by age 65.
Wait ten years
$570K
Same $500/month, same 7% return, same finish line.
Illustrative figures based on a 7% inflation-adjusted return, monthly contributions, and continuous compounding. Real returns vary; the point isn't the exact number, it's the gap.
Who it's for
The young person whose next ten decisions will shape the next forty years.
The new grad
First salary, first 401(k), first apartment. They're about to make every default money decision on autopilot — unless someone hands them a tool.
The first-job-er
Two competing offers. Stock vs cash. HSA vs PPO. PeakWorth turns each choice into a real dollar number against their FI Age.
The newlyweds
Two incomes, two 401(k)s, one shared future. Built natively for dual-income households — rare in personal finance tools.
A milestone birthday
30 sneaking up? PeakWorth makes the next decade legible — what a raise, a move, or a sabbatical actually does to their plan.
The sibling or godchild
You can't sit them down for a money talk. You can give them a tool that does the math for them, in their pocket, on their schedule.
The grad without a financial parent
Not everyone has someone to ask. PeakWorth's AI Advisor (on Peak) is a financial advisor in their pocket, every day.
What they get
Pick the plan that fits where they are.
Three tiers, all built around the same engine. You can always upgrade them later — and they can carry the account forward when your gift ends.
Starter
$4.99/mo
See their future in minutes
Best for someone with their first paycheck. They get their FI Age, their full net worth projection, and the Decision Hub on day one — without sharing a single bank login.
- Live FI Age and full net worth projection
- Decision Hub — home, career, retire early
- After-tax income modeling (federal + 50 states)
Navigator
Most Popular$9.99/mo
Their real numbers, fully modeled
Best for someone starting a real career — first 401(k), first move, first big trade-off. Bank linking turns their model from a snapshot into a living plan.
- Everything in Starter
- Bank & brokerage linking via Plaid
- Unlimited side-by-side scenario comparison
Peak
Most Powerful$19.99/mo
Every big decision, with confidence
Best for someone without a financial advisor in the family — the AI Advisor sees their real numbers and ranks the trade-offs in plain English.
- Everything in Navigator
- AI Advisor sees their real account data
- Smart Alerts — daily risks & opportunities
See the full pricing page for everything included on each tier.
How it works
Three steps. About two minutes.
01
Pick a plan
Choose Starter, Navigator, or Peak based on where they are in life. You can always upgrade later.
02
Send the gift
Add a personal note and the date you want them to receive it. We'll email them a redemption link on the day.
03
They start early
They redeem in two minutes, see their FI Age, and start making every decision against a real plan — for as long as your gift lasts.
Questions
Frequently asked
Who is this gift best for?
Anyone at a pivotal money moment — a college grad starting their first job, a couple getting married, a sibling buying their first home, or a young professional deciding whether the next role is actually worth it. PeakWorth pays back fastest for people whose financial decisions are still ahead of them.
What does the recipient actually get?
A full PeakWorth account on the plan you choose, for the gift duration. They see their live FI Age, their full net worth projection through retirement, the Decision Hub for every major life choice, and (on Navigator and Peak) bank linking and the AI Advisor. No credit card required to redeem.
Why is starting early such a big deal?
Compounding rewards time more than it rewards income. Whoever starts at the first big turning point — a new job, a marriage, a milestone birthday, a graduation — has the edge. Someone who saves $500/month from age 22 with a 7% real return is on track for roughly $1.2M by age 65. Wait until 32 and the same $500/month lands at roughly $570K — less than half. The single best gift you can give a young person is a decade.
Does the recipient need to share their finances with me?
No. Their account is theirs. You don't see their numbers, their accounts, or their projections. The gift is the tool — what they do with it is between them and their plan.
Does the recipient have to be a recent grad?
Not at all. A new job, a marriage, a milestone birthday, and a graduation are all financial turning points — PeakWorth works just as well as a wedding gift, a new-job gift, a milestone-birthday gift, or a 'congratulations on the house' gift. Anyone who's about to make big financial decisions benefits.
Is gifting available right now?
Yes — gift checkout is live. Hit any 'Gift a 10-year head start' button above to pick a tier, write a personal note, and (optionally) schedule the delivery date. You don't need a PeakWorth account to buy a gift; we'll email you the receipt and you can manage the gift from there.
Give them the decade they don't yet know they need.
One-time charge. Pick the tier and length, write a note, and we'll email your recipient the redemption link — on whatever day you choose.
Gift a 10-year head startStarting at $19 for a 1-month Starter gift. No PeakWorth account needed to buy.
Not ready yet? Get a heads-up before the next big occasion.
We'll email you a reminder so you have time to pick a tier.
Not ready yet? Get a heads-up before the next big occasion.
We'll email you a reminder so you have time to pick a tier.
Want to see PeakWorth first? Try the free Quick Start — no signup, about 2 minutes.