Nine production models
Start from the question,
not an empty grid.
Each calculator is a readable Continuum document: assumptions on the left, consequences on the right, and no hidden account or upload step.
Model library
Nine useful places
to begin.
Open a focused calculation here, then carry it into Continuum when you want the full preview and a document that stays editable.
Emergency fund calculator
A useful emergency fund is not just a savings total. It is the number of essential months your remaining cash can cover after an immediate shock and any reliable replacement income.
Open calculator →02HousingMortgage repayment calculator
A mortgage payment is only one part of the housing decision. The useful view combines principal, interest, recurring property costs, and the share of household income committed each month.
Open calculator →03Work and timeReal hourly rate calculator
Your real hourly rate is monthly pay divided by all recurring time committed to the job—not only the hours printed on the contract.
Open calculator →04Independent workContractor hourly rate calculator
A sustainable contractor rate must pay for business costs, tax, and non-billable work from the smaller pool of hours a client can actually be charged for.
Open calculator →05RunwayCash runway calculator
Cash runway is the time until available cash reaches zero under an explicit burn and income assumption. If costs are changing, a fixed cash ÷ burn estimate can be misleading.
Open calculator →06Financial independenceFIRE calculator
A FIRE projection asks when an inflation-adjusted portfolio may reach annual spending divided by the chosen withdrawal rate while contributions continue.
Open calculator →07Financial independenceCoast FIRE calculator
Coast FIRE is reached when the portfolio already invested can plausibly grow to the retirement target by the retirement age without additional contributions.
Open calculator →08Long-term growthInvestment growth calculator
Investment growth should be read in two numbers: the future account balance and what that balance may buy after the inflation assumption.
Open calculator →09SaaS unit economicsLTV to CAC calculator
A useful LTV:CAC model derives lifetime value from gross profit and churn, then reads the ratio beside CAC payback instead of treating one benchmark as a verdict.
Open calculator →The method behind the models
Clear thinking is more than a result.
Use these guides when the problem is still vague and the first job is deciding what belongs in the calculation.
A scenario planning tool built from assumptions
Use a living calculation to make scenario assumptions explicit, change one variable at a time, and preserve the reasoning behind the result.
GuideStructured thinking with numbers
Turn a vague decision into explicit assumptions, relationships, checks, and thresholds using a small living calculation.