The Sovereign Decision Engine
Big decisions, solved with precision — not guesswork.
49 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.
The 49-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 & Liquidity
Option value across dilution rounds.
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 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 Compound Interest
Watch contributions snowball into future value.
Live Roth vs Traditional
Today's tax rate vs retirement's — who wins.
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.
Phase 3 Sustainable Transitions
Phase 4 General Utility
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.