Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moPeakWorth runs the 30-year number for you: a $40K purchase at 35 is a ~$300K hole in your retirement at 65. Knowing that doesn't mean don't buy — it means buy with full eyes open and the FI-Age cost in front of you.
Modeled cost of $40K spent at 35
~$305K by 65
Avg U.S. wedding cost
$33,000
Boat ownership cost/yr
10% of purchase price
Major remodel ROI on resale
60–75% typical
Three questions: 1) Will this asset depreciate or appreciate? 2) Can I pay cash without depleting reserves? 3) What's the 30-year compounded opportunity cost? If the answer to #3 is uncomfortable, that's information — not a reason to never buy.
For any major purchase, set a maximum: this purchase should not push your savings rate below 20% for more than 12 months. Otherwise, defer or downscale.
PeakWorth models any big-ticket item as a one-time withdrawal (plus any ongoing ownership cost, like a boat's ~10%/yr) and runs the opportunity cost — the ~7% it would have earned invested — forward through the year-by-year deterministic simulation to age 95.
The result is the purchase's true 30-year price and its FI-Age impact: a $40K outlay at 35 quietly costs ~$305K of lifetime net worth by 65. Seeing that doesn't forbid the purchase — it lets you decide whether the experience is worth the dated tradeoff.
Enter your own numbers below to see a result instantly — no signup required. Then model the full picture against your real income, expenses, and goals in PeakWorth™.
Monthly payment
$333.67
Total interest
$5,020
Total paid
$20,020
Loan term
5 years
| Year | Payments | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $4,004 | $2,329 | $1,675 | $12,671 |
| 2 | $4,004 | $2,625 | $1,379 | $10,046 |
| 3 | $4,004 | $2,958 | $1,046 | $7,088 |
| 4 | $4,004 | $3,333 | $671 | $3,755 |
| 5 | $4,004 | $3,755 | $249 | $0 |
Estimates only. Excludes fees, escrow changes, and tax effects. For educational purposes — not financial advice.
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.
Only if the rate is below ~5% AND your investments earn more. Otherwise pay cash or wait.
If it pushes your savings rate below 20% for more than a year, you can't — yet.
Far more than the sticker. At ~7%, every $10K spent today is roughly $76K of foregone net worth in 30 years. PeakWorth runs that opportunity cost for your exact amount and timeline and reports it as both dollars and an FI-Age shift.
Pay cash unless the financing rate is below ~5% and your investments reliably earn more — then financing can win. Above that, the interest compounds against you. PeakWorth models cash, financing, and waiting as separate scenarios, each against your baseline, and shows the FI-Age impact of each.
Calculators, true-cost pages, and audience playbooks across the PeakWorth network.
Cost of
Buying a $1M house
Mortgage + taxes + maintenance + opportunity cost.
Calculator
Mortgage payment & amortization
Your real PITI + refinance break-even + 30-year wealth cost.
Calculator
Recreational loan calculator
Boats, RVs, and motorcycles — the real FI Age cost of the toy.
Cost of
The cost of your DoorDash habit
Delivery fees, tips, and 30-year FI Age impact.
Compare
PeakWorth vs Boldin
Boldin goes deep on retirement; PeakWorth covers the whole pre-retirement strategy too.
Decision guide
Should you open a HELOC?
Draw period, variable-rate payment, and the real risk.
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.
