Comprehensive plans · super-super (composes 3 super calcs)

Complete financial health (super-super)

The end-to-end financial chain. We run three super calcs back-to-back on your profile, identify the top 3 highest-leverage moves you could make this quarter, and project the dollar impact of each.

Result

Top 3 actions surfaced from running all three super calcs on your profile.

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Top move: Add 5.0% to your contribution → $475 immediate tax savings + $4,750 growing tax-deferred.

1
Tax — quarterly + retirement
Total estimated tax burden $22,371 (23.5% effective). Quarterly: $5,593.
Running Freelancer tax master
2
Wealth — trajectory
On track — projected $1,888,883 at 65, $263,883 above need.
Running Wealth trajectory
3
Home — affordability
Stretch — PITI $2,929 exceeds responsible budget by $362.
Running Home affordability master
4
Action 1: Bump retirement contribution
Add 5.0% to your contribution → $475 immediate tax savings + $4,750 growing tax-deferred.
Confirmed strength
5
Action 2: Don't stretch on housing
Target home stretches PITI by $362/mo over the responsible 28% line. Find a smaller home or larger down — house-poor compounds faster than equity.
Closes a gap
6
Action 3: Coast-FIRE candidate
Trending $263,883 above retirement need. Look at bridge accounts (taxable brokerage) for 59½ pre-access.
Confirmed strength

Assumptions & notes

This super-super calc ran three super calcs end-to-end. Each row links to the underlying calc — click to see the full step-by-step.
Quarterly review: re-run after each tax payment, raise, or major balance change.

Chain payload (for the 3D constellation)

{
  "slug": "complete-financial-health",
  "depth": 2,
  "primitives": [
    "self-employment-tax-calculator",
    "quarterly-tax-calculator",
    "net-worth-calculator",
    "compound-interest-calculator",
    "dti-calculator",
    "mortgage-calculator"
  ],
  "composes": [
    "freelancer-tax-master",
    "wealth-trajectory",
    "home-affordability-master"
  ],
  "chain": [
    {
      "key": "tax_chain",
      "label": "Tax — quarterly + retirement",
      "numeric": 22370.534525
    },
    {
      "key": "wealth_chain",
      "label": "Wealth — trajectory",
      "numeric": 1888883.0554559086
    },
    {
      "key": "home_chain",
      "label": "Home — affordability",
      "numeric": 2929.117862130809
    },
    {
      "key": "action_1",
      "label": "Action 1: Bump retirement contribution"
    },
    {
      "key": "action_2",
      "label": "Action 2: Don't stretch on housing"
    },
    {
      "key": "action_3",
      "label": "Action 3: Coast-FIRE candidate"
    }
  ]
}

The chain explained

Each step above corresponds to a primitive calculator. Click any to see the stand-alone version with its own explainer + sources.

self employment tax calculatorshipping soon
quarterly tax calculatorshipping soon
net worth calculatorshipping soon
compound interest calculatorshipping soon
dti calculatorshipping soon
mortgage calculatorshipping soon

Chains naturally with

Comprehensive plans

Contractor business 360 (super-super)

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