Upload what you already have
Upload what you already have.
A paystub, plus a screenshot or PDF of your existing budget — AI reads the numbers for you. Don't have a budget? PeakWorth creates a personalized starter budget instead. Prefer typing? Enter your information by hand.
Two uploads. That's the setup.
Snap a photo, or drop a PDF
A paystub plus a screenshot or PDF of your existing budget or spending tracker — AI reads the numbers and fills your Financial Profile in seconds.
No budget yet? PeakWorth creates one around your future
Choose Balanced or Accelerated, and PeakWorth drafts a personalized starter budget: categories that fit within monthly spending targets designed to support the saving and investing behind your projected Work Optional Date. Edit any line.
Review your personalized foundation
Review your personalized foundation.
PeakWorth turns what you shared into your Financial Profile: income, taxes, spending, savings, assets, and debts. You confirm every number before it is saved.
Your Financial Profile — you confirm every number
- $8,420 take-home / mo
Income
- Federal + CA, filing jointly
Taxes
- $5,310 / mo across 12 categories
Spending
- $1,850 / mo
Savings & investing
- $212k invested · $38k cash
Assets
- $18k auto loan · 4.6%
Debts
Nothing is saved until you confirm it. Edit any figure, any time.
See — and improve — your future
See — and improve — your future.
Your FI age and lifetime net worth appear, built from your real numbers. Then stress-test the decisions on your mind — work, housing, family, saving, investing — and watch how each one changes both. Every option is modeled as a separate scenario, each against your baseline.
Decisions Hub — sample Life Impact
- Buy a house at 35GainsHousing cost locks in · Equity starts buildingGives upTime to FI: +1.8 yr · Net worth at 90: −$74kWhat changesLess monthly buffer for a slow year
- Take the senior role at 38GainsTime to FI: −6.8 yr · Net worth at 90: +$430kGives upHeavier weeks in your 40sWhat changesWork-optional in your 50s becomes more likely
- Save 5% more, every monthGainsTime to FI: −4.2 yr · Net worth at 90: +$284kGives upA bit less to spend each month nowWhat changesMore room to absorb a down month
Apply any scenario to your plan when you are ready.
Turn the plan into progress
Turn the plan into progress.
A projection only matters if you can stay on track. PeakWorth translates the future you modeled into monthly spending, saving, and investing targets. Compare the plan with actual progress and see how your Work Optional Date responds over time.
Your monthly plan — built from your long-term strategy
Spend on needs & wants
$5,150 / moSave & invest
$3,250 / moExtra to debt
$400 / mo
Targets sized so the plan supports the trajectory you modeled — compare them with actual progress each month.
Illustrative monthly check-in
Long-term target
Work optional at 54Monthly plan
Save and invest $3,250Actual progress
$3,080 this month
Optional automation
Connect accounts when — and if — you're ready.
Plaid links your bank, cards, and investments in a couple of clicks, so the plan-versus-progress comparison updates itself. Everything on this page works without it.
Secure connection via Plaid
10,000+ banks- Read-only access — PeakWorth can never move money
- Live balances and spending, categorized automatically
- Review or change any category, any time
The payoff
Ask your AI Advisor about the future you're building.
Plain-English answers grounded in your real numbers, not generic advice from the internet.