Comprehensive plans · super-super (composes 3 super calcs)
Household money OS (super-super)
A super-super calculator for the whole household money loop. It runs cash-flow sequencing, reserve funding, and wealth trajectory together, then surfaces the next five moves in order.
No profile data yet. Fill your profile to skip data entry on every super calc.
Inputs
Result
Household OS ran 3 chains. Top priority: Protect wealth surplus.
Top household move: $134,124 projected surplus over retirement need.
- 1
Cash-flow command center
Cash-flow score 69/100. $1,988/mo unassigned after required outflow.
Budget surplus, emergency runway, debt pressure, savings rate, and next dollar.
- 2
Reserve planner
Reserve score 27/100. Plan needs $4,323.63/mo.
Emergency reserve, tax set-aside, known bills, and monthly reserve capacity.
- 3
Wealth trajectory
On track — projected $1,759,124 at 65, $134,124 above need.
Net worth, savings rate, compound growth, retirement need, and Coast FIRE.
- 4
1. Protect wealth surplus
$134,124 projected surplus over retirement need.
Ranked by estimated leverage: $134,124.
- 5
2. Run the cash-flow command center
Send $1,988 toward high-interest debt before optional investing.
Ranked by estimated leverage: $23,850.
- 6
3. Reduce debt interest drag
$155/mo interest is the first avoidable leak to inspect.
Ranked by estimated leverage: $9,308.
- 7
4. Send next data back to MitchReise.com
Save income, take-home, expenses, cash, debt, savings, and housing anchors into Financial Profile Builder.
Ranked as a data-continuity step.
- 8
5. Fund the reserve plan
Current quarter tax reserve: add $412.50/mo or push the deadline.
Ranked as a data-continuity step.
Assumptions & notes
- Household Money OS composes three super calculators, each of which composes primitive calculators.
- Use it after Financial Profile Builder has income, take-home, expenses, cash, debt, and savings anchors.
- This is a planning prioritizer, not legal, tax, investment, or lending advice.
Multi-scenario comparison
What if — ±20% on one input
| Scenario | Annual household income | Headline | Δ vs baseline | Magnitude |
|---|---|---|---|---|
| −20% (cautious) | $96,000 | Household OS ran 3 chains. Top priority: Protect wealth surplus. | 0 | |
| Baseline | $120,000 | Household OS ran 3 chains. Top priority: Protect wealth surplus. | 0 | |
| +20% (aggressive) | $144,000 | Household OS ran 3 chains. Top priority: Protect wealth surplus. | 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 Cash-flow command center. Higher elasticity = bigger lever.
- 1
Monthly take-home
Elasticity ↑ 3.92× — 10% change in this input increases Cash-flow command center by 39.2%.
- 2
Monthly essential expenses
Elasticity ↓ 2.21× — 10% change in this input decreases Cash-flow command center by 22.1%.
- 3
Monthly savings
Elasticity ↓ 0.60× — 10% change in this input decreases Cash-flow command center by 6.0%.
- 4
Non-mortgage debt
Elasticity ↓ 0.11× — 10% change in this input decreases Cash-flow command center by 1.1%.
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": "household-money-os",
"depth": 2,
"primitives": [
"budget-calculator",
"emergency-fund-calculator",
"debt-payoff-calculator",
"savings-rate-calculator",
"cash-reserve-planner",
"net-worth-calculator",
"compound-interest-calculator",
"retirement-need-calculator"
],
"composes": [
"cash-flow-command-center",
"cash-reserve-planner",
"wealth-trajectory"
],
"chain": [
{
"key": "cash_flow_chain",
"label": "Cash-flow command center",
"numeric": 1987.5
},
{
"key": "reserve_chain",
"label": "Reserve planner",
"numeric": -2336.1291014479484
},
{
"key": "wealth_chain",
"label": "Wealth trajectory",
"numeric": 1759123.6155442721
},
{
"key": "priority_1",
"label": "1. Protect wealth surplus",
"numeric": 134123.61554427212
},
{
"key": "priority_2",
"label": "2. Run the cash-flow command center",
"numeric": 23850
},
{
"key": "priority_3",
"label": "3. Reduce debt interest drag",
"numeric": 9307.5
},
{
"key": "priority_4",
"label": "4. Send next data back to MitchReise.com",
"numeric": 1
},
{
"key": "priority_5",
"label": "5. Fund the reserve plan",
"numeric": 0
}
]
}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
- net worth calculatorshipping soon
- compound interest calculatorshipping soon
- retirement need calculatorshipping soon
Chains naturally with
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Get the new super calcs as they ship
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