PeakWorth™ vs Mint — Replacing What Mint Never Did Well

What Mint actually was (and what it wasn't)

Mint was a transaction aggregator and budget tracker, owned by Intuit. At its peak it had ~25 million users. It was great at one thing: pulling in your bank, credit card, and investment balances so you could see where your money was going each month.

What Mint was never built for: projecting where your wealth would be in 20 or 30 years, calculating the year you could stop working, modeling a kid in college, or showing how a $10K bonus would change your retirement age. That entire layer was missing.

Why PeakWorth is the right successor (for planners, not budgeters)

If you mostly want a Mint-style transaction tracker, look at Monarch Money or Rocket Money — they replicate that experience well. If you want what Mint was MISSING — the actual long-term plan — PeakWorth is purpose-built for it.

• Net Worth, PeakWorth, and FI Age in one screen — the three numbers that matter most for long-term decisions
• Full lifetime simulation through age 95 with federal + state taxes, Social Security, inflation, and realistic returns
• The Decision Hub (buy vs rent, paying off debt, bonus allocation, when to retire, etc.) that shows the dollar-and-year impact on YOUR plan
• Dual-income household modeling — Mint never handled couples well
• AI advisor that explains your plan in plain English
• Free Quick Start with no signup, no credit card, no email

Should you pair PeakWorth with a transaction app?

Yes — they solve different problems. Use a budgeting tool (Monarch, Rocket Money, Copilot, YNAB) for the daily 'where did my money go' question. Use PeakWorth for the strategic 'where is my life headed financially' question. Most former Mint users actually need both layers, but only one of them existed inside Mint.

How PeakWorth turns Mint's balances into a dated FI Age

Mint's whole job was aggregation — pulling your account balances onto one screen so you could see today's number. It never took the next step of converting that snapshot into the year work becomes optional. PeakWorth does exactly that: it takes the same handful of balances Mint used to aggregate (cash, brokerage, retirement, debts) plus your income and savings rate, and runs them forward through a year-by-year deterministic simulation to age 95 — folding in federal and state taxes, employer match, Social Security, and inflation.

The output is your FI Age: the calendar year your portfolio crosses ~25× the expenses it must cover after Social Security — roughly 20× your total annual expenses. So instead of Mint's 'here's your net worth today,' you get 'here's the year you can stop,' and you can watch how each balance you improve pulls that year earlier.