Wealth & retirement · super (composes 5 primitives)
Wealth trajectory
Pull your savings + retirement balances + income from your profile. We chain net worth, true savings rate, compounded portfolio growth, retirement-need projection, and the age you can stop contributing (Coast FIRE).
No profile data yet. Fill your profile to skip data entry on every super calc.
Inputs
Result
On track — projected $1,888,883 at 65, $263,883 above need.
Action: You're trending past your need. Consider front-loading taxable accounts to bridge before age 59½.
- 1
Net worth
$268,000
$105,000 liquid + $175,000 home equity − $12,000 debt
- 2
Savings rate
19.6%
$21,600 / yr ÷ $110,000 income
- 3
Projected at age 65 (5% real return)
$1,888,883
30 years of compounding
- 4
Retirement need (4% rule)
$1,625,000
$65,000 annual spend ÷ 4%
- 5
Coast FIRE age
91.1
Stop contributing at 91.1 and still hit need by 65.
Assumptions & notes
- Real return assumption: 5% (inflation-adjusted, balanced 60/40 historical).
- 4% safe-withdrawal rule based on Trinity Study; sequence-of-returns risk is real for retirees in the first decade.
10-year projection
Net worth trajectory
Multi-scenario comparison
What if — ±20% on one input
| Scenario | Current age | Headline | Δ vs baseline | Magnitude |
|---|---|---|---|---|
| −20% (cautious) | 28 | On track — projected $2,833,716 at 65, $1,208,716 above need. | 0 | |
| Baseline | 35 | On track — projected $1,888,883 at 65, $263,883 above need. | 0 | |
| +20% (aggressive) | 42 | Gap — projected $1,217,408 vs $1,625,000 need. Short $407,592. | 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 Net worth. Higher elasticity = bigger lever.
- 1
Home value
Elasticity ↑ 1.59× — 10% change in this input increases Net worth by 15.9%.
- 2
Mortgage balance
Elasticity ↓ 0.93× — 10% change in this input decreases Net worth by 9.3%.
- 3
Retirement balance
Elasticity ↑ 0.30× — 10% change in this input increases Net worth by 3.0%.
- 4
Cash + savings
Elasticity ↑ 0.09× — 10% change in this input increases Net worth by 0.9%.
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": "wealth-trajectory",
"depth": 1,
"primitives": [
"net-worth-calculator",
"savings-rate-calculator",
"compound-interest-calculator",
"retirement-need-calculator",
"coast-fire-calculator"
],
"composes": [],
"chain": [
{
"key": "net_worth",
"label": "Net worth",
"primitive": "net-worth-calculator",
"numeric": 268000
},
{
"key": "savings_rate",
"label": "Savings rate",
"primitive": "savings-rate-calculator",
"numeric": 19.636363636363637
},
{
"key": "projected",
"label": "Projected at age 65 (5% real return)",
"primitive": "compound-interest-calculator",
"numeric": 1888883.0554559086
},
{
"key": "retirement_need",
"label": "Retirement need (4% rule)",
"primitive": "retirement-need-calculator",
"numeric": 1625000
},
{
"key": "coast_fire",
"label": "Coast FIRE age",
"primitive": "coast-fire-calculator",
"numeric": 91.14456912039945
}
]
}The chain explained
Each step above corresponds to a primitive calculator. Click any to see the stand-alone version with its own explainer + sources.
- net worth calculatorshipping soon
- savings rate calculatorshipping soon
- compound interest calculatorshipping soon
- retirement need calculatorshipping soon
- coast fire calculatorshipping soon
Chains naturally with
Tax
Freelancer tax master
Self-employment tax → quarterly estimate → safe harbor → home office → retirement-contribution impact.
Real estate
Home affordability master
DTI → max housing payment → mortgage amortization → rent vs buy → 30-year true cost.
Comprehensive plans
Complete financial health (super-super)
Runs Freelancer Tax Master + Wealth Trajectory + Home Affordability Master in sequence and surfaces the top 3 actions.
Get the new super calcs as they ship
One email per drop. We're chaining the next 6 right now.