Drag the slider or pick a preset to see how the picture changes at different Uber pace. The 24-month House Fund projection updates live.
Uber pace
70 hrs/wk
Gross Uber income at this pace: $7,578/mo | $25/hr gross assumed (vehicle costs handled separately)
Scale back? (optional 2-phase model)
never
40 hrs/wk
Set "scale back after month" to 0 for single-phase (no scale-back). Otherwise, Dad runs at initial pace for that many months, then drops to the new pace for the rest of the 24-month window. The auto-replacement reserve recomputes based on blended mileage.
Vehicle situation
$1,614/mo
$0/mo
Vehicle cash cost = fixed monthly + (miles driven × per-mile rates).
Miles = Uber hours × 4.33 weeks × 30 mph average. Loan / rental / insurance are fixed monthly regardless of hours. Energy (gas or electric), tires, and maintenance accrue per mile driven. Click "How is this calculated?" below to see the exact breakdown for the current vehicle and hours. Replacement fund = depreciation set-aside (separate savings bucket for the next vehicle). Auto-scales with Uber hours and scale-back settings when a Tesla preset is active.
How is this calculated?
—
Assumptions: Gas $4.35/gal at 29.5 mpg (Grandma's). Tesla NEW 0.30 kWh/mi, Tesla USED 0.33 kWh/mi, blended home electricity $0.13/kWh. Tesla tires $1,800/set ÷ 40K mi (gentle driving). Grandma's tires $700/set ÷ 40K mi. 30 mph average duty cycle.
Current vehicle choice: Grandma's car
Cash out this month: $1,614 |
To Vehicle Replacement Fund: $0 |
House Fund this month: $8,095
Monthly Income (gross)
$24,878
All four streams
Monthly Expenses
$13,724
Required + lifestyle
To Savings
$11,154
All buckets combined
Income & expenses breakdown
Income
Pension$2,900
Downstairs rent$3,400
Uber / Direct Car$7,578
Upstairs rent$11,000
Total$24,878
Expenses
Mortgage$5,250
House bills$1,810
Florida rent$2,600
Health insurance$600
Groceries + utilities + misc$1,250
Golf$250
Eating out$200
Discretionary / fun$150
Vehicle (own car)$1,614
Total$13,724
Where the leftover goes each month
🔧 Maintenance & Improvements
$809/mo
~$20,430 at month 24
💵 Personal Long-term
$1,500/mo
~$37,414 at month 24
✈️ Trip Fund
$750/mo
~$18,707 at month 24
🏠 House Fund
$8,095/mo
Phase 1: —/mo
Phase 2: —/mo
~$200,396 at month 24
🚗 Vehicle Replacement Fund
$0/mo
Phase 1: —/mo
Phase 2: —/mo
~$0 at month 24
What this Uber pace means at month 24
Combined liquid (in savings) at 2 years: $276,948
Less loan remaining: $0 | Plus car asset value: $0
TRUE net wealth at 2 years: $276,948
vs. baseline (grandma's car, 70 hrs/wk no scale-back): $0— same as baseline