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 2 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.
Find it. Move it. Make it real.

Senior role at 38→Work-optional 1 year sooner

2026

2046

2066

2078

Retire 60

Life 90

Retire 65

Life 90

Start Free Trial

14 days free · No credit card · Plaid optional

What happens next

1. Create your account
2. AI helps build your Financial Profile
3. See your Work Optional strategy

Inside your free trial

Work Optional Projections — Move your Work Optional Date
Budget & Spending — Stay on track each month
Debt Payoff Strategies — Find your fastest path to zero
Financial Decision Engine — Model life's biggest decisions
Investment Analysis — Optimize your investing
AI Financial Advisor — Ask Peak anything

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

From plan to progress

See the date. Build the plan. Make it real.

PeakWorth doesn't just show when work could become optional. It turns that long-term strategy into a practical monthly plan for spending, saving, and investing—so your everyday choices stay connected to the future you're building.

Month by month, compare the future you planned with the life you're actually living.

See the future

Work Optional Date
Lifetime Net Worth

Your long-term trajectory, projected from your real numbers.

Build the plan

Spending target
Saving target
Investing target

Monthly targets that keep today aligned with that future.

Follow your progress

Planned
Actual
Updated trajectory

See how each month moves your Work Optional strategy.

Because the goal isn't simply to build more wealth—it's to reach the point where work becomes optional.

Build my strategy 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.

PeakWorth connects the plan to the follow-through—so the decisions you model become the spending, saving, and investing choices you make each month.

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. And once you choose the future you want, your monthly plan helps you keep moving toward it.

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 2 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 2 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

Not ready to create an account?

See your projected Work Optional Date first.

Get a two-minute estimate and try one change before starting your full strategy.

Try the SneakPeak

No account required

Find your year. Then move it.

Your Work Optional Date, the decisions that bring it closer, and the monthly plan that helps make it real.

Calculate my FI Age