/ = dived
* = multiply
jack shaft input / clutch sprocket * axle sprocket / jack shaft output = overall ratio
max engine rpm / overall ratio = rpm of axle
circumfrance of rear wheel (for example, in inches) * rpm of axle = inches of vehicle travel per minute.
inches of vehicle travel per minute / 12 = feet of travel per minute
feet of travel per minute / 5280 = miles of travel per minute
miles of travel per minute * 60 = miles per hour
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example:
20 teeth on jack shaft input / 10 teeth on clutch = 2
45 teeth on axle / 10 teeth on jack shaft output = 4.5
2*4.5 = 9:1 overall ratio
3600 rpm / 9 = 400 rpm axle speed
11.5" tire DIA * pi = 36" tire circumfrance
36" circumfrance * 400 axle rpm = 14400 inches per minute of vehicle travel
14400 ipm / 12 inches (there are 12" in a foot) = 1200 feet per minute
1200 fpm / 5280 (5280 feet = 1 mile) = 0.22727272727272727272727272727273 miles per minute
0.22727272727272727272727272727273 mpm * 60 (60 min = 1hr) = about 13.63 MPH
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if you want you can just find the overall ratio and plug that into the calculator.
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to answer your question, having he 13t first would make about a 3.6:1 overall ratio, not good.