Chain · Money & runway

Cut the leaks and see your runway move

Three calculators, one session. Find the hidden leaks, size a realistic side-hustle, and watch your bankruptcy date move in real time. The same deterministic math — connected.

Each stage's output is a Live Variable that feeds the next. No AI layer, no stochastic guesses — just closed-form formulas wired together.

How the pipeline works

Edit any stage. The output chip below it writes to the shared session context. The next stage reads those chips on mount and re-hydrates. Reset clears the context (your per-tool inputs are preserved).

 01 
Stage 1 of 3 
Find $50+ in hidden subscription leaks

Standalone · Subscription Purge →
List every recurring charge. The sum becomes your Recoverable Cash — piped downstream as the first live variable.

Subscription Purge · Leak Detection
Active Drains
Sinking Ship · Hull Leaks
2 visible leaks · each represents ~$30/mo of drain
Monthly Bleed
$58.00
Verdict: Moderate_Drain
A few leaks · quick cleanup recovers real cash
Annual cost
$696
5-year cost
$3480
10-year cost
$6960
→ Pipe this monthly recovery into the Runway Zero calculator — every $50/mo cut extends your bankruptcy date by weeks.
Monthly bleed = Σ(line_monthly). Lifetime = monthly × 12 × years. Subscriptions compound silently — the 10-year column is why.

MONTHLY SAVINGS RECOVERABLE—

 02 
Stage 2 of 3 
Size a real side-hustle after gas and depreciation

Standalone · Gig-Net Floor →
Gross pay minus IRS-standard operating cost, scaled by shifts per week. Monthly Net feeds stage three.

GIG_NET_FLOOR
Real hourly after gas + mileage depreciation (IRS standard)
Gross Pay (Shift)$
Miles Driven
Hours Worked
Gas $/Gallon$
Local Min Wage$
Shifts / Week
MIN$12.73REAL/HRTRUE EARNINGS
BELOW LOCAL MIN
 Net is below the minimum wage floor ($15.00/hr). You are trading car equity for app cash.
Gross / hr
$23.33/hr
Operating Cost
$63.65
Real Profit / shift
$76.35
Monthly Net
$1,322.38
Gas Used (est.)
$13.30
▸ METHODOLOGY
Operating cost = miles × $0.67 (2024 IRS standard mileage rate, capturing gas + maintenance + depreciation). Real hourly = (gross − operating cost) ÷ hours. The IRS rate is conservative for high-mileage vehicles but represents long-run true cost — not just gas. Gas price is shown for sanity-check only; it is already inside the IRS figure.

SIDE HUSTLE MONTHLY NET—

 03 
Stage 3 of 3 
See the Zero Date move

Standalone · Runway Zero →
Cash ÷ (burn − effective revenue). Live Variables stack into Effective Monthly Revenue. Watch the ZERO marker slide right as you tune upstream.

RUNWAY_ZERO
Cash exhaustion forecast — months until bankrupt
Cash Balance$
Monthly Burn$
Monthly Revenue$
ZERO DATE
March 2027
5 months · 24 days remaining
CASH BALANCE OVER TIME
horizon: 6.7mo
ZERO$250,000$06.7monow
Net Burn
$43,000
Revenue (effective)
$22,000
Burn Multiple
2.95×
▸ METHODOLOGY
Runway = Cash ÷ (Burn − Revenue). The Zero Date is projected from today using 30-day months. Crisis mode zeroes revenue to model the worst-case shock. Inputs persist locally.

Why this pipeline exists

A single number is rarely the answer. Knowing you waste $60/mo on subscriptions is one fact. Knowing that cutting that stack extends your bankruptcy date by three weeks is a decision. The pipeline is the connective tissue between the two.

Same session context, same deterministic math. Change any input at any stage — every downstream readout updates live. Nothing is stored off-device.