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

Contractor business 360 (super-super)

End-to-end view for the working contractor. We run the profit engine on your shop rate and job mix, the tax master on your 1099 net, and the wealth trajectory on your savings — then quantify the two specific moves (rate raise + tax-deferred bump) that double your retirement net.

Result

Net profit $14,200/mo · SE+Fed tax $22,371/yr · Trajectory clears $1,625,000 need.

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Two-move plan: Charge 10% more per job AND bump pre-tax savings to 18% — adds $3,772,170 to your retirement balance by 65 (in today's dollars).

1
Profit engine
On track — 22.5% net margin clears your 22% target.
Margin 22.5% on $63,000/mo
2
Tax master
Total estimated tax burden $22,371 (23.5% effective). Quarterly: $5,593.
SE $13,423 + Fed $8,947
3
Wealth trajectory
On track — projected $1,888,883 at 65, $263,883 above need.
Currently projected $1,888,883 at 65
4
Move A: raise avg job 10%
+$75,600 revenue / yr
$4,500 → $4,950 avg job. ~$17,040 drops to net.
5
Move B: bump retirement contribution from 10% → 18%
+$60,480 / yr pre-tax
Compounded at 5% real over 27 years.
6
New retirement projection (Move A + B)
$5,661,053
Up from $1,888,883 — $3,772,170 added by these two moves.

Assumptions & notes

Move A assumes 50% of the incremental revenue stays as savings (the rest goes to lifestyle, taxes, or business reinvestment).
Move B assumes the bump fits under solo 401(k) caps — verify against your actual 1099 net.
5% real return is conservative for a 60/40 portfolio. Aggressive (90/10) historically returns 6.5% real but with deeper drawdowns.

Chain payload (for the 3D constellation)

{
  "slug": "contractor-business-360",
  "depth": 2,
  "primitives": [
    "shop-rate-calculator",
    "labor-burden-calculator",
    "self-employment-tax-calculator",
    "compound-interest-calculator"
  ],
  "composes": [
    "contractor-profit-engine",
    "freelancer-tax-master",
    "wealth-trajectory"
  ],
  "chain": [
    {
      "key": "profit_chain",
      "label": "Profit engine",
      "numeric": 14200
    },
    {
      "key": "tax_chain",
      "label": "Tax master",
      "numeric": 22370.534525
    },
    {
      "key": "wealth_chain",
      "label": "Wealth trajectory",
      "numeric": 1888883.0554559086
    },
    {
      "key": "move_a",
      "label": "Move A: raise avg job 10%",
      "numeric": 75600
    },
    {
      "key": "move_b",
      "label": "Move B: bump retirement contribution from 10% → 18%",
      "numeric": 60480
    },
    {
      "key": "new_trajectory",
      "label": "New retirement projection (Move A + B)",
      "numeric": 5661052.7802872835
    }
  ]
}

The chain explained

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

shop rate calculatorshipping soon
labor burden calculatorshipping soon
self employment tax calculatorshipping soon
compound interest calculatorshipping soon

Chains naturally with

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

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