Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moIt depends on contribution and return. Below: every realistic combination, plus the path PeakWorth™ users take to get there fastest.
$500/mo @ 7%
~38 years
$1,000/mo @ 7%
~28 years
$2,000/mo @ 7%
~20 years
$3,000/mo @ 7%
~16 years
Three reasons: starting too late, choosing low-return vehicles (savings accounts and bonds in their 30s), and stopping during downturns. None of those are about income. A $60K earner saving 20% beats a $200K earner saving 5%, every time.
At 7% real returns: $500/mo reaches $1M in 38 years. $1,000/mo in 28. $2,000/mo in 20. $3,000/mo in 16. Income matters, but the multiplier you control is contribution rate.
A generic timeline assumes a flat contribution, a single account, and no taxes. Your real path has raises, employer match, account-type ordering, and a tax drag that all bend the curve. PeakWorth runs your actual numbers through a year-by-year deterministic simulation to age 95 and returns the dated year you cross $1M — not a textbook average.
More importantly, it puts $1M in context: $1M is only ~25× a $40K lifestyle, so the milestone that matters isn't the round number — it's your FI Age, the year your portfolio actually covers your spending. PeakWorth reports both, so 'how long to $1M' becomes 'and what does hitting it do to the year I can stop working.'
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.
It's roughly 25× a $40K/yr lifestyle — enough for lean FIRE but not luxury. Plan for $2M+ if you want comfort plus inflation buffer.
On a $100K income with 30% savings rate: ~14 years. On a $60K income with 25% savings rate: ~22 years.
Only if $1M is ~25× your annual spending. For a $40K/yr lifestyle, yes; for $80K/yr you'd need closer to $2M. PeakWorth maps your $1M target onto your actual FI Age so you know whether the milestone equals freedom or just a checkpoint.
A lot — the account you save in can move the date by years. PeakWorth models the tax-optimal order (match, HSA, Roth, then taxable) so your $1M arrives sooner than a single pre-tax account would suggest.
Calculators, true-cost pages, and audience playbooks across the PeakWorth network.
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