The Sovereign Decision Engine
Big decisions, solved with precision — not guesswork.
84 calculators across finance, real estate, health, crypto and more — each one exposes its full math, reacts to every slider instantly, and loads in a blink. No bloat, no black boxes — just the number you came for.
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The most-used calculators
Popular
Mortgage Calculator
True all-in PITI monthly payment.
Popular Phenotypic Age (PhenoAge)
Biological age from nine blood biomarkers.
Popular Compound Interest
Watch contributions snowball into future value.
Popular Paycheck Take-Home
Salary to net pay, after every deduction.
Popular Home Affordability
Max price by the 28/36 rule, taxes in.
Popular 401(k) Match
Capture every dollar of employer free money.
Popular Credit Card Payoff
Escape the minimum-payment trap.
Popular Marginal vs Effective Tax
Your real tax rate vs your bracket.
The 84-calculator toolkit
Built group by group, each tool a standalone piece of software
Phase 1 Core Sovereign Layer
Live
SaaS Unit Economics
LTV, CAC payback & the MRR growth ceiling.
Live Startup Runway
How many months until zero — with dynamic burn.
Live Freelance Rate Optimizer
The bill rate that survives FICA & healthcare.
Live Equity Dilution
Stock-option value across dilution rounds.
Live ESPP
Discount and lookback, as a real return.
Live CapEx vs OpEx ROI
Buy vs lease, by cash velocity.
Live LLC vs S-Corp
The S-Corp tax inflection point.
Live E-Com Unit Economics
DTC contribution margin & break-even ROAS.
Live Self-Employment Tax
The 15.3% FICA bite on freelance profit.
Live Net Investment Income Tax (NIIT)
The 3.8% surtax that makes 15% gains cost 18.8%.
Live Estimated Tax Safe Harbor
The quarterly payment that dodges the penalty.
Live Business Loan Amortization
True APR once the origination fee is in.
Live Break-Even Point
The sales volume that covers your costs.
Live Profit Margin & Markup
Margin vs markup, with no sleight of hand.
Live Freelance Project Quote
Price a fixed bid against scope creep.
Live QSBS Exit Proceeds
After-tax startup exit with Section 1202.
Live RSU Withholding Shortfall
The 22% RSU under-withholding trap.
Live Angel Deal Velocity
SAFE-to-exit dilution & return multiple.
Phase 2 Wealth & Leverage
Live
Mortgage Paydown
Amortization with payment acceleration.
Live Rental Cashflow
NOI, cap rate & cash-on-cash return.
Live BRRRR Simulator
Buy-Rehab-Rent-Refinance-Repeat seasoning.
Live FIRE Velocity
Safe withdrawal & years-to-freedom curves.
Live DRIP Compounder
Dividend reinvestment compounding.
Live Rent vs Buy Math
Buy vs rent, with down-payment opportunity cost.
Live Dividend Income
Net monthly dividend cash flow & yield-on-cost.
Live Coast FIRE
When your portfolio can coast to retirement.
Live Mortgage Calculator
True all-in PITI monthly payment.
Live Home Affordability
Max price by the 28/36 rule, taxes in.
Live Mortgage Refinance Breakeven
The month a refi repays its closing costs.
Live Compound Interest
Watch contributions snowball into future value.
Live Roth vs Traditional
Today's tax rate vs retirement's — who wins.
Live Roth Conversion
The tax cost of converting, bracket by bracket.
Live 401(k) Match
Capture every dollar of employer free money.
Live HSA Triple Tax
The only triple-tax-free account, quantified.
Live Social Security Breakeven
Claim early or wait — the break-even age.
Live Social Security Tax
How much of your benefit is taxable — and the torpedo.
Live Required Minimum Distribution
Project the RMD tax bomb after 73.
Live Inflation-Adjusted Return
Real vs nominal return in today's dollars.
Live Net Worth Projection
Your trajectory and the year you hit your target.
Phase 3 Sustainable Transitions
Phase 4 General Utility
Live
Hourly to Salary
Real take-home across tax brackets.
Live Student Loan Refi
Interest saved by refinancing.
Live Debt Payoff Strategy
Snowball vs avalanche, head to head.
Live Credit Card Payoff
Escape the minimum-payment trap.
Live Debt-to-Income Ratio
The ratio lenders judge you on.
Live Marginal vs Effective Tax
Your real tax rate vs your bracket.
Live Capital Gains Tax
Short vs long-term tax on a stock sale.
Live CD vs High-Yield Savings
Lock the rate or keep the liquidity.
Live Emergency Fund
Size it, score your coverage, date it funded.
Live Paycheck Take-Home
Salary to net pay, after every deduction.
Live Debt Snowball
Your exact debt-free date, snowball method.
Phase 8 Digital Assets
Phase 5 Behavioral Magnets
Live
Screentime Bleed
Screen hours as opportunity cost.
Live Subscription Audit
The true annual drain of your stack.
Live Purchasing Power Decay
How inflation erodes idle cash.
Live Budget Compatibility
Two spenders, one savings outcome.
Live Newsletter Valuation
Value a newsletter & price ad slots.
Live Creator Ad Revenue
What your views really pay, after the cut.
Phase 6 Biometric & Longevity
Live
BMR & Calorie
BMR & calories via clinical equations.
Live Phenotypic Age (PhenoAge)
Biological age from nine blood biomarkers.
Live VO2 Max & Fitness Age
Cardio fitness from field tests.
Live Heart Rate Zones
Five training zones from your heart-rate reserve.
Live Health Insurance Optimizer
HDHP vs PPO by your real utilization.
Live Macro Calculator
Protein, carbs & fat for your goal.
Live Body Fat (Navy Method)
Body fat % from a tape measure.