Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moBonuses are 'found money' — which is why most of them disappear into things you can't remember a month later. PeakWorth models a tax-aware split across debt, tax-advantaged accounts, and investing, and shows a ~$20K bonus pulling FI Age 1–2 years earlier for a typical high earner.
Modeled FI-Age pull, ~$20K invested
~1–2 yrs earlier
Federal bonus withholding rate
22% (under $1M)
Common bonus → invest
≥ 50%
Common bonus → fun
5–10%
50% to long-term: max retirement accounts, taxable brokerage, mortgage paydown. 30% to medium-term: emergency fund top-up, sinking funds, planned big purchases. 20% to short-term: debt acceleration if applicable, or 'fun' (5–10% of total) so you don't feel deprived.
Bonuses are withheld at a flat 22% federal rate (37% above $1M), but your actual marginal rate may be higher. Set aside the difference now or you'll owe in April. State taxes also apply.
PeakWorth starts from your after-tax bonus — correcting the flat 22% withholding to your real marginal rate — then runs each split (high-rate debt, maxed tax-advantaged accounts, mortgage paydown, taxable investing, and a small 'fun' bucket) through the year-by-year deterministic simulation to age 95.
It reports how each allocation moves your FI Age and PeakWorth (highest projected lifetime net worth), which is why a ~$20K bonus steered into invested, tax-advantaged buckets typically pulls FI roughly 1–2 years earlier for a high earner — and why the 'fun' you can actually remember is worth budgeting deliberately.
Generic articles can only go so far. PeakWorth runs every scenario against your real income, expenses, and goals — so you see the dollar-and-year impact of every decision before you make it.
At least 50% of after-tax bonus. The closer to 80%, the faster your FI Age moves earlier.
It's withheld at flat 22% federal — not over-taxed, just over-withheld. You'll reconcile at tax time.
Only after high-rate debt is gone, retirement accounts are maxed, and emergency fund is full.
More than people expect. PeakWorth shows a ~$20K bonus routed into invested, tax-advantaged buckets typically pulling FI Age 1–2 years earlier for a high earner — and it ranks each possible split so you can see which one moves the date most.
Just withheld more. The flat 22% federal supplemental rate is withholding, not your final tax — you reconcile at filing. PeakWorth plans off your true marginal rate so you don't over- or under-set-aside, then allocates what's actually left.
Calculators, true-cost pages, and audience playbooks across the PeakWorth network.
Built for
PeakWorth for equity-comp employees
RSUs, options, and AMT — model the after-tax exit.
Free calculator
Bonus tax calculator
What's withheld vs. what you really owe.
Calculator
Paycheck & take-home calculator
Net pay, tax bracket, retirement contribution impact.
Cost of
Eating lunch out every day
$15 × 250 workdays — what compounds over a career.
Built for
PeakWorth for HENRYs
High earners, not rich yet — convert income into actual wealth.
Compare
PeakWorth vs J.P. Morgan Automated Investing
Chase-app robo at 0.35% vs the household plan above.
PeakWorth is the financial decision engine for households — your Personal Financial Strategy OS, a real-time engine that calculates every decision's impact on your future. The Decision Hub, an AI advisor, and a live projection that show you exactly how each move shapes your wealth and your FI Age.
