Is this calculator really free?

Yes — completely free, no signup, no credit card, no email required. Enter your numbers and get instant results.

PeakWorth is your highest projected lifetime net worth, typically reached between ages 65 and 75. Unlike a snapshot of today's net worth, PeakWorth tells you how much wealth you will actually accumulate based on your real income, savings, and spending.

FI Age (Financial Independence age) is the year your investment portfolio is large enough that 4% of it covers your annual expenses — meaning work becomes optional. PeakWorth calculates this from your real income, savings rate, and expected spending.

How accurate is the projection?

PeakWorth uses a full lifetime simulation through age 95, including federal and state taxes, Social Security, inflation, and realistic investment returns. It is more accurate than single-rate calculators because it models year-by-year cash flows.

Do I need to create an account?

No. The Quick Start calculator works fully without an account. Starting a free trial lets you save your profile, run scenarios, and use the AI advisor.

2-minute preview·See where you stand today. PeakWorth's full product free trial helps you improve it with personalized projections, AI guidance, budgeting, and ongoing tracking.

Step 1 of 2 · The biggest lever

Income minus expenses runs everything.

Net-worth chart goes live
FI age recalculates
Take-home pay math

Life Timeline

2026

2046

2066

2081

Retire 65

Life 90

FI = Financial Independence · Life = Life expectancy

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

Income minus expenses runs everything.

Life Timeline

Timeline

Milestones