Wealth & retirement · super (composes 5 primitives)
Cash-flow command center
A monthly cash-flow command center for the profile era. Enter income, take-home, required expenses, savings, cash, and debt once, then see which calculator should receive the next dollar.
No profile data yet. Fill your profile to skip data entry on every super calc.
Inputs
Result
Cash-flow score 69/100. $1,750/mo unassigned after required outflow.
Next move: Send $1,750 toward high-interest debt before optional investing.
- 1
Budget surplus
$1,750/mo
$7,800 take-home - $4,400 essentials - $450 debt - $1,200 planned savings.
- 2
Emergency runway
3.2 months
$14,000 cash / $4,400 essential expenses. Target: $26,400.
Stand-alone calc - 3
High-interest debt pressure
$155/mo interest
$8,500 at 21.9% APR. Extra attack this month: $1,750.
- 4
Savings rate
12.0% now / 12.0% with surplus
$800/mo gap to 20% gross savings target.
- 5
Next-dollar order
Send $1,750 toward high-interest debt before optional investing.
Starter reserve: $0. Debt: $1,750. Full reserve: $0. Wealth: $0.
- 6
Starter reserve timeline
already funded
$0 starter gap before optional risk.
- 7
Full reserve timeline
not reachable
$12,400 full emergency gap.
Assumptions & notes
- This chain is designed to hand off directly into the MitchReise.com Financial Profile Builder fields.
- Debt is treated as urgent at 8% APR or higher; adjust the APR to model lower-rate student, auto, or personal loans.
- Savings rate uses gross income so it can chain into FI and retirement calculators consistently.
Multi-scenario comparison
What if — ±20% on one input
| Scenario | Annual household income | Headline | Δ vs baseline | Magnitude |
|---|---|---|---|---|
| −20% (cautious) | $96,000 | Cash-flow score 73/100. $1,750/mo unassigned after required outflow. | 0 | |
| Baseline | $120,000 | Cash-flow score 69/100. $1,750/mo unassigned after required outflow. | 0 | |
| +20% (aggressive) | $144,000 | Cash-flow score 67/100. $1,750/mo unassigned after required outflow. | 0 |
Try the input with the highest sensitivity (above). The Δ column shows the dollar swing from a 20% move — that's how much room you have for a counter, raise, or hedge.
Goal seek
Solve for an input value
Pick the input you want to vary and the output you care about. We'll find the input value that gets you to the target. Bisection-based; converges in < 50 iterations.
Monte Carlo simulation
Distribution under input uncertainty (500 trials)
We perturb every numeric input with normal-distributed noise (10–25% sigma depending on input type) and run 500 compute trials. The output is a probability distribution, not a single number — closer to how finance actually works.
Most-leveraged inputs (sensitivity analysis)
Where to focus — what moves the answer most
Each input perturbed ±10%; measured impact on Budget surplus. Higher elasticity = bigger lever.
- 1
Monthly take-home
Elasticity ↑ 4.46× — 10% change in this input increases Budget surplus by 44.6%.
- 2
Monthly essential expenses
Elasticity ↓ 2.51× — 10% change in this input decreases Budget surplus by 25.1%.
- 3
Monthly planned savings
Elasticity ↓ 0.69× — 10% change in this input decreases Budget surplus by 6.9%.
- 4
Monthly non-mortgage debt payments
Elasticity ↓ 0.26× — 10% change in this input decreases Budget surplus by 2.6%.
ShowMath is the only calc site that surfaces this. Adjust the highest-leverage input first — that's where small moves create big results.
Chain payload (for the 3D constellation)
{
"slug": "cash-flow-command-center",
"depth": 1,
"primitives": [
"budget-calculator",
"emergency-fund-calculator",
"debt-payoff-calculator",
"savings-rate-calculator",
"cash-reserve-planner"
],
"composes": [],
"chain": [
{
"key": "budget_surplus",
"label": "Budget surplus",
"primitive": "budget-calculator",
"numeric": 1750
},
{
"key": "emergency_runway",
"label": "Emergency runway",
"primitive": "emergency-fund-calculator",
"numeric": 3.1818181818181817
},
{
"key": "debt_pressure",
"label": "High-interest debt pressure",
"primitive": "debt-payoff-calculator",
"numeric": 155.125
},
{
"key": "savings_rate",
"label": "Savings rate",
"primitive": "savings-rate-calculator",
"numeric": 12
},
{
"key": "next_dollar",
"label": "Next-dollar order",
"primitive": "cash-reserve-planner",
"numeric": 1750
},
{
"key": "starter_reserve_timeline",
"label": "Starter reserve timeline",
"numeric": 0
},
{
"key": "full_reserve_timeline",
"label": "Full reserve timeline",
"numeric": null
}
]
}The chain explained
Each step above corresponds to a primitive calculator. Click any to see the stand-alone version with its own explainer + sources.
- budget calculatorshipping soon
- emergency fund calculator
- debt payoff calculatorshipping soon
- savings rate calculatorshipping soon
- cash reserve plannershipping soon
Chains naturally with
Wealth & retirement
Cash reserve planner
Emergency fund + quarterly tax set-aside + annual sinking funds + next known bill, chained into one monthly reserve action plan.
Wealth & retirement
Wealth trajectory
Net worth → savings rate → portfolio growth → retirement projection → Coast FIRE age.
Comprehensive plans
Household money OS (super-super)
Composes Cash-flow Command Center + Cash Reserve Planner + Wealth Trajectory into one household priority queue.
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