Next-Gen Calculators
Six new calculators for the 2025 economy — solar, EV charging, modern payments, telehealth, creator memberships, and automation. Each one ships with state-of-the-art defaults, sensible presets, and methodology you can defend.
Payback, 10-year ROI, CO₂ avoided. 50-state defaults.
Payback (years)
Level 2 and DC Fast — utilization, subsidy stacking, payback.
Payback (months)
Stripe vs PayPal vs Square vs Adyen — true effective rate.
Effective fee %
Cash-equivalent per-session rate from payer mix + break-even.
Price / session
MRR, profit margin, LTV — annual mix + churn modeled.
Monthly MRR
Automation payback + 3-year TCO vs fully-loaded labor.
Payback (months)
Net per paycheck after federal, state, FICA, 401(k). 2025 brackets.
Net / paycheck
True after-tax stock comp — sell-to-cover shortfall modeled.
Net after-tax
When refi pays off — months to break-even, lifetime delta.
Break-even (mo)
Smallest-balance vs highest-rate payoff side-by-side.
Months to debt-free
Unit economics — the 3:1 + 12-month investor bar.
LTV:CAC ratio
Cents per point on any award booking — net of forgone earn.
Net cpp
All-in $/mile after depreciation, fuel, insurance, maintenance, interest.
$/mile all-in
Total cash out + residual equity + opportunity cost — who wins.
Net cost delta
True out-of-pocket by plan. Open-enrollment decision tool.
Net annual cost
Lean, regular, fat, Coast FIRE targets with 3-4% SWR + projection.
FIRE target $
Annual $ burn of a recurring meeting — fully-loaded × attendees × frequency.
Annual $ burn
After taxes + childcare + commute, is the second job actually worth it?
True net contribution
Why these six
We added these because they map to where money is actually moving in 2025: residential and small-commercial energy capex (solar + EV), the modernized payments stack (Stripe-class processors with real chargeback economics), the durable telehealth shift, the maturing creator-membership category, and the first wave of practical human-vs-automation decisions. Each calculator is a real working tool with original methodology — not a thin form on top of a search-keyword page.