Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moMost people aim for age 65 because it's familiar — not because the math says so. PeakWorth™ shows your true FI Age based on your actual numbers.
Modeled output
Your personal FI Age
Classic safe withdrawal rate
4% (Trinity Study)
Years of expenses for FI
~20× total expenses
Social Security full age
67 (born after 1960)
Take your annual expenses in retirement (not pre-retirement income — they're different) and multiply by 25–30. That's the portfolio you need. A household spending $80K in retirement needs roughly $2M–$2.4M.
Subtract expected Social Security and pension income from annual expenses before multiplying. A household receiving $40K of Social Security only needs to fund the remaining $40K from investments — cutting the required portfolio in half.
Retiring into a bear market is the single biggest threat to a long retirement. The first 5–10 years matter disproportionately. Mitigate with: 2 years of expenses in cash/short-term bonds, flexible withdrawal rules, and willingness to delay one big expense in down years.
If you retire before 65, you need a plan to bridge to Medicare. ACA marketplace plans can cost $0–$2,500/mo depending on income. Strategically managing taxable income in early retirement to qualify for ACA subsidies can save $20K+/yr.
PeakWorth runs your real numbers — income, expenses, assets, debts, and goals — through a year-by-year deterministic simulation to age 95, layering in federal + state taxes, Social Security, inflation, and realistic returns. Your FI Age is the year your portfolio crosses ~25× the expenses it must cover after Social Security — roughly 20× your total annual expenses.
Because it's deterministic and personalized, the answer is a specific age for your situation — not '65' and not a generic 4% rule of thumb. Change a withdrawal assumption, a Social Security claim age, or your spending, and the FI Age updates live.
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.
Historical data supports 4%; recent research suggests 3.3–3.7% for very long retirements (40+ years) or pessimistic markets.
Yes, if you've saved 25–30× annual expenses, have a healthcare bridge, and a flexible withdrawal plan. PeakWorth shows whether you're on track.
For median earners, ~$2,200/mo at full retirement age — roughly $26K/yr. It can dramatically reduce your required portfolio.
Delaying to 70 raises the benefit ~8%/yr, but you draw down savings longer in the meantime. There's no universal answer — PeakWorth models each claim age inside your full plan and shows which produces the higher lifetime net worth and the earlier sustainable FI Age.
Retirement age is when you stop working; FI Age is when work becomes optional because your portfolio can cover your expenses indefinitely. PeakWorth computes FI Age so you can choose to keep working by preference, not necessity.
Calculators, true-cost pages, and audience playbooks across the PeakWorth network.
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Coast, barista, full FIRE — modeled in real time.
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PeakWorth for late starters
Behind on retirement? The catch-up math is forgiving.
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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.
