Wealth Strategy Calculator

A sophisticated personal finance web app for optimizing high-impact financial decisions.

Features

1. Mortgage vs. Invest Calculator

• After-Tax Rate Analysis: Calculates the real cost of debt by accounting for itemized deduction benefits.
• PMI Strategy: Identifies LTV-based costs and calculates optimal paths to eliminate insurance drag.
• Zone Classification: Dynamic advice based on age, tax bracket, and real interest rates.
• Retirement Impact: Visualizes the portfolio equivalent of a debt-free retirement.

2. Buy, Borrow, Die (BBD) Strategy

• Margin Safety Dashboard: Real-time stress testing against historical crashes (COVID, GFC, Dot-com).
• Tax Arbitrage: Compares the cost of immediate capital gains realization vs. asset-backed borrowing.
• Step-Up in Basis: Estimates permanently eliminated tax liability at estate settlement.
• SOFR Sensitivity: Models borrowing costs across different interest rate environments.

Tech Stack

• React 19 + Vite
• Tailwind CSS 4 (Bloomberg Terminal Aesthetic)
• Recharts (Advanced financial visualizations)
• React Router (Multi-page navigation)
• Lucide React (Icons)

Setup & Launch

Quick Start (Windows)

Double-click start.bat in the root directory. This will:

1. Install dependencies if missing (npm install)
2. Start the development server
3. Open http://localhost:5173 automatically

Manual Start

npm install
npm run dev

Methodology

Calculations follow standard financial engineering principles for amortization and securities-backed lending. Tax calculations use 2026 projected standard deductions and IRC 163(d) interest tracing rules.