PeakWorth is the financial decision engine for households — your Personal Financial Strategy OS, a real-time engine that projects your full lifetime net worth, your Financial Independence age, and the dollar-and-year impact of every major decision (home, job, kids, retirement). It's built for dual-income households who want one defensible answer instead of a stack of spreadsheets.

Yes. The Quick Start calculator is completely free — no signup, no credit card, no email. You can see your current Net Worth, your projected lifetime PeakWorth, and your FI Age in about 3 minutes. Premium plans (Basic, Pro, AI Advisor Pro) unlock the full profile, 20+ decision calculators, scenario stacking, and the AI advisor.

How is PeakWorth different from Mint, YNAB, Monarch, or Empower?

Tracking apps like Mint, YNAB, Monarch, and Empower show you where your money went last month. PeakWorth shows you where your money is going for the next 60 years — and what every major decision changes. It's a strategy engine, not a budgeting ledger.

Do I have to link my bank accounts?

No. PeakWorth works entirely with manual inputs on every plan, including the free Quick Start. Bank linking via Plaid is available on Pro and above for automated balance and transaction tracking, but it is always optional.

Does PeakWorth work for dual-income households?

Yes — every model in PeakWorth handles two earners natively. Each partner's income, equity comp, retirement accounts, Social Security, and tax situation is modeled separately, then combined into one household projection. No more bolting two single-person plans together.

When does work become optional?

Build your wealth. Optimize your life.

Every financial decision changes your Work Optional Date.
Track it. Model it. Improve it.

Senior role at 38→Work-optional 1 year sooner

2026

2046

2066

2078

Retire 60

Life 90

Retire 65

Life 90

Start Free Trial

Inside your free trial

AI Advisor — Answers using your real numbers
Decision Hub — Model life's biggest decisions
Budget Tracking — Watch spending move your date
Lifetime Projections — See decades into your future

No credit card required • Full access during your free trial

See My Work Optional Date

(SneakPeak) No account required. Takes about 2 minutes.

Your bank data, handled with care

Read-only connections Bank-grade encryption Powered byPlaid

Educational projections only — not financial, tax, or legal advice. Consult a licensed professional before major decisions. Read full disclosures

Inside PeakWorth

Every financial decision. One connected strategy.

One live model of your household — real accounts, every major decision, and the date work becomes optional. Here's what's inside.

PeakWorth Decision Hub — search any financial decision and model it against your plan

Start exploring free

How

Every decision moves your FI line.

FI — financial independence — is the day work becomes optional.

Skip the 2nd home upgrade

Stay 5 more years

2.1 years sooner

Take the senior role at 38

+$22k/yr earlier

1.4 years sooner

Two kids, daycare

Adds $34k/yr for 5 yrs

1.6 years later

PeakWorth's Decision Hub lets you stack these to see the combined impact.

Two finish lines

FI is when life becomes yours.

Not retired. Not done working. Just… optional. That's financial independence — FI — and PeakWorth helps you get there years earlier.

TodayFIRetirement

Working yearsOptional years

The years between FI and retirement are yours — that's the time PeakWorth helps you win back.

Before PeakWorth

You needed four tools to understand your money.

None of them talked to each other.

Budgeting app

DIY spreadsheet

Financial advisor

Generic AI

PeakWorth is all four in one.

One model built from your real numbers. You decide which trade-offs are worth it — PeakWorth shows you exactly what each choice costs.

See the year work becomes optional

Watch each choice reshape your future

Get answers the moment you need them

AI advice built on your actual data

The shift

From "I wonder" to "I know" in seconds.

No more waiting for an advisor appointment. No more guessing whether a decision helps or hurts. You sit down, you test it, you see the answer. On your schedule. Based on your priorities. Instantly.

Before

Pay an advisor $5,000/yr to hear generic advice

Spend 20 hours building a spreadsheet that's still wrong

Use 3 separate apps that never give you the full picture

Make $500,000 decisions on gut instinct because nobody answers "is it worth it?"

With PeakWorth

See your full financial trajectory in about 3 minutes

Test any decision and see the exact lifetime impact

You choose what to prioritize, not a generic advisor

Get AI strategy based on your real data, on demand

See my projection — about 3 minutes, no account

14-day free trial. No credit card.

Peak · AI Advisor

AI that knows your numbers. Available when you need it.

Traditional advisors give you their opinion. PeakWorth's AI gives you answers built from your actual data. It knows your accounts, your projections, your goals. It doesn't tell you what to prioritize. It shows you the impact of every option so you can decide.

Ask anything. Get a personalized, scenario-backed answer in seconds. Not next quarter. Right now.

"What gets me to FI fastest?"

"Which option builds more wealth?"

"Should I pay off debt or invest?"

Ranked strategies, scenario comparisons, and a PeakWorth Score for every path.

AI AdvisorPEAK

What's the fastest way to reach FI given my current savings rate?

Based on your profile, here are 3 ranked strategies:

1. Increase savings by $1,500/mo → FI at 57 (-3 yrs)
2. Maximize 401k match → FI at 58.5 (-1.5 yrs)
3. Refi mortgage to 15yr → FI at 59 (-1 yr)

Under the hood

Everything you need. Nothing you don't.

Real Data, Not Estimates

Connect 10,000+ bank & investment accounts
Real balances power every projection
PeakWorth AI auto-categorizes transactions
60+ spending category taxonomy

Built for Real Life

Dual-income households modelled correctly
Taxes calculated after every change
Divorce, alimony & custody handled
Shared partner access & collaboration

Scenario Engine

Decision Hub — every major life decision modeled
Save & compare scenarios side by side
Apply changes instantly to your model
Every change shows net worth + FI impact

Find your year. Then move it.

Your FI age — and the life decisions that bring it closer.

Calculate my FI Age