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
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.
Fill your profile 110 nodes · 123 edges
Operating model
One profile, many chained answers
01
Profile memory
Stable fields like income, debt, mortgage, rate, weight, and goals fill matching inputs across every chain.
02
Primitive run
Each step calls a single explainable calculator, keeping the formula visible instead of hiding the math.
03
Chain payload
The ordered result stores headline, steps, assumptions, scenarios, and sensitivity levers as one shareable object.
04
Graph view
The constellation reads the same composition map so you can see which primitives feed each super calc.
Preset starts
Launch a full scenario, not a blank form
These links prefill a super calc with a real-world persona so the chain becomes useful immediately and still shows every step.
Freelancer tax master
W-2 growth role
Single filer with 401(k)/HSA-style deductions and moderate state tax. Opens the full quarterly-tax chain with $30,000 of 1099 income.
Open presetFreelancer tax master
Freelance consultant
1099 income with self-employment tax and a planning-rate state estimate. Opens the full quarterly-tax chain with $140,000 of 1099 income.
Open presetFreelancer tax master
Dual-income family
Married filing jointly with larger pre-tax savings and higher gross income. Opens the full quarterly-tax chain with $45,000 of 1099 income.
Open presetFreelancer tax master
Head of household
HOH filer where the standard deduction changes the effective-rate story. Opens the full quarterly-tax chain with $18,000 of 1099 income.
Open presetHome affordability master
First-time buyer
Solid income, moderate debt, and a 15% down payment on a starter home.
Open presetHome affordability master
Stretch test
Higher target price, more debt, and a hotter property-tax assumption.
Open presetHome affordability master
Cash-heavy mover
Large down payment and low debt to see how much payment room actually opens up.
Open presetReal estate investment chain
Cash-flow duplex
Owner-operator style duplex with strong gross rent and realistic operating drag.
Open presetReal estate investment chain
Thin-margin rental
A deal that looks close until debt service and operating expenses are chained.
Open presetReal estate investment chain
Appreciation bet
Lower yield, higher appreciation assumption, and more cash down.
Open presetMortgage refi engine
Rate drop, long stay
A 7.25% borrower finds a 6.125% refi and expects to keep the home for 10 years.
Open presetMortgage refi engine
Short-stay warning
Lower rate headline, but only two years before selling.
Open presetMortgage refi engine
Points + itemizing
Bigger loan, higher costs, and itemizing to pressure-test the after-tax delta.
Open presetCash reserve planner
W-2 family buffer
Stable pay, dependents, annual bills, and one medium known expense.
Open presetCash reserve planner
Variable 1099 catch-up
Freelance cash flow with taxes, annual renewals, and a near-term bill.
Open presetCash reserve planner
Owner-operator runway
Business-owner reserves with high tax exposure and lumpy annual costs.
Open presetLayer 1
Super calcs (compose 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
Wealth & retirement
Cash reserve planner
Emergency fund + quarterly tax set-aside + annual sinking funds + next known bill, chained into one monthly reserve action plan.
Composes 4 primitives
Wealth & retirement
Cash-flow command center
Budget, emergency runway, debt payoff, savings rate, and next-dollar priority in one cash-flow chain.
Composes 5 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.
Super-super · runs 3 super calcs
Household money OS (super-super)
Composes Cash-flow Command Center + Cash Reserve Planner + Wealth Trajectory into one household priority queue.
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.