Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moThe number that reveals your financial trajectory
What is your PeakWorth?
Your PeakWorth is the highest projected net worth you may reach over your lifetime — and the age when you reach it. PeakWorth builds a year-by-year view of where your current financial path may lead.
Example
Net worth today
$420k
Your PeakWorth
$4.6M
at age 67
Based on its current path, this household may reach a projected peak net worth of $4.6 million at age 67. Change the plan, and the projection changes with it.
Three numbers. One financial future.
Know where you are, where you're headed, and when work becomes optional.
PeakWorth connects all three in one year-by-year model.
Net worth today
What you own minus what you owe right now.
Your PeakWorth
The highest projected value your net worth may reach over your lifetime.
Your Work Optional Date
The point in time when your investments and other income may be able to support your living expenses — when work may become optional.
Financial decisions aren't only about money — every choice also changes when work could become optional.
Your future is not fixed
Every decision can change the trajectory.
PeakWorth models major decisions as separate scenarios, each against your current plan, so you can compare the lifetime impact before you commit.
Take the senior role
Work Optional Date
1.4 years sooner
Lifetime net worth
+$430k
Buy the larger home
Work Optional Date
1.8 years later
Lifetime net worth
−$74k
Save 5% more
Work Optional Date
4.2 years sooner
Lifetime net worth
+$284k
The goal isn't simply to build more wealth. It's to understand what each choice gives you, what it gives up, and whether the trade-off moves you toward the life you actually want.
Why PeakWorth is different
One connected financial model.
Most financial tools answer one question. PeakWorth connects your income, spending, saving, investing, debts, and major decisions into one living financial model. Change one assumption and the connected projection updates with it.
Project
Work Optional projections
Lifetime net-worth modeling
Decide
Decision scenarios
Investment and debt analysis
Execute
Monthly plan and actual progress
AI-powered strategy
From projection to progress
See the future. Improve the plan. Stay on track.
See where you are headed
View your projected PeakWorth, lifetime trajectory, and Work Optional Date.
Model what could change
Test decisions involving work, housing, debt, family, saving, investing, and retirement.
Build the monthly plan
Turn your long-term strategy into practical spending, saving, and investing targets.
Follow real progress
Compare the plan with actual activity and see how your trajectory changes over time.
Your projection shows what may be possible. Your monthly plan helps keep your spending, saving, and investing aligned with the future you chose.
The four layers of personal finance
From tracking to executing
“What happened?”
See where your money went and how your balances changed.
“What might happen?”
Project your cash flow, lifetime net worth, and Work Optional Date.
“What should I change?”
Model major life and financial choices as separate scenarios, each against your baseline.
“Am I staying on track?”
Use your monthly plan and actual progress to support the saving and investing behind your strategy.
PeakWorth connects all four — so you can see the destination, choose the path, and keep moving toward it.
See it in action
Calculators, decision guides, audiences, and comparisons that show what the strategy engine actually does.
Product
How PeakWorth works
From Quick Start to AI Advisor — the full system tour.
Calculator
Net worth calculator
What you own minus what you owe — and your percentile.
Tradeoff
Housing vs freedom
The hidden tradeoff baked into every mortgage.
Tradeoff
Career moves are multi-axis tradeoffs
Comp, stress, equity, optionality — all hit your FI Age.
Built for
PeakWorth for HENRYs
High earners, not rich yet — convert income into actual wealth.
Built for
PeakWorth for fantasy sports players
If you optimize a draft board, you'll love optimizing your wealth.