The differentiator
Super calculators
Every other calc site has 50 individual tools. ShowMath has the chained-context layer: fill your profile once and these super calcs compose 4–6 primitives into one end-to-end answer with every step visible.
Layer 1
Super calcs (compose primitives)
Contractor & freelancer
Contractor profit engine
Shop rate → labor burden → bid target → margin after overhead → monthly runway. The whole pricing chain in one pass.
Composes 5 primitives
Health & fitness
Complete fitness plan
BMR → TDEE → calorie deficit/surplus → macro split → weekly training volume → 12-week progression. Profile-driven.
Composes 5 primitives
Tax
Freelancer tax master
Self-employment tax → quarterly estimate → safe harbor → home office → retirement-contribution impact.
Composes 4 primitives
Wealth & retirement
Wealth trajectory
Net worth → savings rate → portfolio growth → retirement projection → Coast FIRE age.
Composes 5 primitives
Real estate
Home affordability master
DTI → max housing payment → mortgage amortization → rent vs buy → 30-year true cost.
Composes 5 primitives
Real estate
Real estate investment chain
Cap rate → cash-on-cash return → mortgage payment → after-tax cash flow → 5-year projection.
Composes 4 primitives
Wealth & retirement
Divorce financial impact
Alimony × child support × asset split × QDRO retirement division × post-divorce tax filing change.
Composes 4 primitives
Wealth & retirement
College funding engine
Future tuition projection × 529 vs taxable vs UTMA × monthly contribution to fund 100% × loan-coverage gap.
Composes 4 primitives
Tax
Salary negotiation math
Total comp A vs B → signing bonus amortized → RSU PV → cost-of-living adjustment → after-tax take-home delta.
Composes 4 primitives
Wealth & retirement
Vehicle TCO master
Purchase + finance + fuel + insurance + maintenance + depreciation + opportunity cost → true cost per mile.
Composes 4 primitives
Wealth & retirement
Social Security claim optimizer
Age 62 vs 65 vs FRA vs 70 → spousal benefit → breakeven age → lifetime PV at your longevity assumption.
Composes 3 primitives
Tax
Equity comp master
ISO vs NQSO vs RSU tax → AMT trigger → QSBS exclusion → 83(b) impact → after-tax sale proceeds.
Composes 4 primitives
Wealth & retirement
Business valuation engine
Revenue multiple × EBITDA multiple × DCF × asset-based × SDE → triangulated valuation range.
Composes 4 primitives
Tax
Marriage tax penalty / bonus
Two singles vs MFJ → bracket creep → standard deduction → SALT cap → IRA phase-out → annual delta.
Composes 2 primitives
Real estate
Mortgage refi engine
Current loan vs refi at new rate vs 15-yr × closing costs × points × tax shield → breakeven month + lifetime savings.
Composes 3 primitives
Wealth & retirement
Estate planning master
Gross estate → federal exemption → state estate tax → step-up basis savings → life insurance gap → probate vs trust cost.
Composes 4 primitives
Tax
Roth conversion ladder
Traditional → Roth conversion math × bracket-fill optimization × 5-yr seasoning × lifetime tax delta vs RMDs.
Composes 3 primitives
Tax
Tax-loss harvest analyzer
Realized loss × wash-sale check × $3k ordinary offset × cap-gains offset × carryforward × cost-basis after swap.
Composes 3 primitives
Tax
RMD master
Required Minimum Distribution year-by-year × Traditional balance growth × tax bracket impact × bracket-creep year.
Composes 3 primitives
Tax
Backdoor + mega-backdoor Roth
Direct Roth eligibility × backdoor pro-rata check × mega-backdoor 401(k) capacity × total annual Roth potential × 30-yr tax-free growth.
Composes 4 primitives
Wealth & retirement
Debt avalanche vs snowball
Highest-rate-first vs smallest-balance-first × interest paid × months to debt-free × motivation tradeoff.
Composes 3 primitives
Wealth & retirement
Inheritance impact
Inherited assets × step-up basis × inherited-IRA 10-yr rule × estate-tax claim × tax bracket bump.
Composes 3 primitives
Tax
Hobby vs business tax treatment
IRS 9-factor scoring × hobby tax (full income, no deductions) vs Schedule C tax (SE + deductions + QBI) × profit-motive test.
Composes 4 primitives
Layer 2
Comprehensive plans (super-super)
These run multiple super calcs in sequence and surface the highest-leverage moves.
Super-super · runs 3 super calcs
Complete financial health (super-super)
Runs Freelancer Tax Master + Wealth Trajectory + Home Affordability Master in sequence and surfaces the top 3 actions.
Super-super · runs 3 super calcs
Contractor business 360 (super-super)
Profit Engine + Tax Master + Wealth Trajectory chained for 1099 contractors. Net at retirement, lever to 2x.
Why super calcs (and why now)
Every personal-finance and contractor-pricing question is actually a chain. You don't just want to know your BMR — you want the calorie target that comes from BMR × activity × goal, plus the macro split, plus how many sets per week to hit the goal. You don't just want a quarterly tax estimate — you want the SE tax + federal brackets + retirement deduction + safe-harbor split that adds up to it. You don't just want a cap rate — you want the cap rate, the cash-on-cash, the after-tax cash flow, and the 5-year equity projection.
Every other calculator site stops at the first step and forces you to retype the same numbers across five tabs to get the chain. ShowMath super calcs run the whole chain in one pass. Every step is visible — you can verify it, hand it to your accountant, or click through to the standalone calc to see the formula and source.
How profile prefill works
Fill the profile page once. Anything you enter — weight, shop rate, mortgage balance, target margin — is stored under an anonymous device id and used by every super calc as the default for matching fields. You can override inline on any calc without touching the profile.
The chain is serializable
Each super calc returns an ordered chain of step results plus their numeric values. That payload is what powers the 3D constellation visualization — every primitive is a node, every super calc is a hub, every super-super is a meta-hub, and edges run compose → chain. Drop the result chain in to animate value flowing through the graph.
Layer 2 (super-super) is what nobody else has
Composition stops at one level on every other calc site. ShowMath super-supers run multiple super calcs in sequence and surface the top 3 highest-leverage moves. Complete financial health runs tax + wealth + home affordability and tells you exactly where the next $1,000 should go. Contractor business 360 runs profit + tax + wealth and quantifies the two moves (rate raise + tax-deferred bump) that double your retirement net.