Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moProjectionLab is the power-user spreadsheet replacement for the FIRE community. PeakWorth covers the same lifetime projection job with a faster onboarding, dual-income-first design, and a built-in AI advisor.
ProjectionLab price
$108/yr or $228 lifetime
ProjectionLab strength
Power-user depth
PeakWorth strength
Speed + dual-income + AI
Quick Start time
ProjectionLab ~30 min, PeakWorth ~2 min
ProjectionLab earned its strong reputation in the FIRE community. It's the closest thing to 'replace your retirement planning spreadsheet with a real app.' Deep configurability, probabilistic simulation, custom asset classes, and a UI that respects the user's intelligence.
PeakWorth is opinionated where ProjectionLab is configurable. That's a deliberate trade-off: most users don't want to spend 30 minutes tuning simulation seed values — they want to know their FI Age in 2 minutes. PeakWorth picks sensible defaults, gets you to a real answer fast, then lets you refine.
Choose ProjectionLab if you're a spreadsheet power-user who wants every dial. Choose PeakWorth if you want fast, opinionated answers, dual-income support, and an AI advisor explaining tradeoffs. Some serious planners use both — ProjectionLab for deep what-ifs, PeakWorth for the daily 'how does this decision affect my plan' question.
ProjectionLab reaches a similar destination — a modeled FI age — but expects you to configure the route first. PeakWorth front-loads sensible defaults so the year-by-year deterministic simulation to age 95 (taxes, employer match, Social Security, inflation, dual incomes) runs on the handful of numbers you can give it in two minutes, then lets you refine.
Either way the output is the same kind of answer: your FI Age, the calendar year your portfolio reaches ~25× the expenses it must cover after Social Security — roughly 20× your total annual expenses. The difference is you see that dated year before you've finished your coffee, and every refinement updates it live.
Two modern FI planners. ProjectionLab is the configurable power-user tool; PeakWorth is fast, dual-income-first, and includes an AI advisor. Some serious planners use both. Confirm current terms on ProjectionLab's site.
| Feature | PeakWorth | ProjectionLab |
|---|---|---|
| Annual fee | Flat $119.88/yr (~$9.99/mo); free Quick Start, no signup | $108/yr or $228 lifetime |
| Account minimum | $0 — free Quick Start, no signup | $0 — doesn't custody assets |
| Automated portfolio management | No — it's the planning layer, not a custodian | No — planning only, doesn't hold assets |
| Onboarding time | ~2 minutes on sensible defaults | ~30+ minutes of configuration |
| Retirement output type | Dated FI Age — plus a year-by-year projection to age 95 | Modeled FI age (highly configurable) |
| Simulation method | Deterministic year-by-year + stress-test scenarios | Probabilistic (Monte Carlo, historical data) |
| Decision modeling (buy-vs-rent, bonus, debt payoff) | Yes — the Decision Hub scores each decision's dollar-and-year impact | Limited — via hand-built custom scenarios |
| Dual-income household modeling | Yes — first-class (separate incomes, accounts, and goals) | Supported, but configured manually |
| AI advisor | Yes — explains the projection and tradeoffs in plain English | No |
| Data export | Yes — CSV import/export of your data | Yes — data export supported |
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.
The path to it. PeakWorth reaches your dated FI Age — the year your portfolio hits ~25× the expenses it must cover after Social Security — roughly 20× your total annual expenses — in about two minutes on sensible defaults, with dual incomes modeled out of the box, where ProjectionLab expects deeper up-front configuration. Same destination, far faster first answer.
For FIRE power-users who want maximum control, yes. For most dual-income households who want a clear answer in minutes, the depth is overkill.
PeakWorth uses a deterministic year-by-year projection layered with stress-test scenarios (crash, layoff, sustained inflation). It's faster to interpret and matches how most financial advisors actually plan.
PeakWorth — dual-income household modeling is the core design assumption, including separate income, separate retirement accounts, and joint goals.
Yes — both tools support data export. PeakWorth exports projections as CSV.
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See your full financial trajectory in 2 minutes
No signup. Real numbers. See your FI Age and net worth at every age.
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Five years out — run the numbers before you give notice.
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PeakWorth for pension-eligible workers
Build the plan around your pension as guaranteed income.
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Import
Import your old app's CSV
One-click presets for YNAB, Monarch, Mint, Copilot, Empower, Rocket Money & Quicken.
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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.
