I am confused as to what exactly you plan to do,you mention a jack shaft presumably to get to the right side for the drive to the 3 speed hub,is that a direct drive from the jack shaft instead of via the crank ?,this means you won't be able to pedal the bike.If you intend to use the crank as intermediary you will need a freewheel crank.In that is the case there are 4 reduction stages internal engine / engine to jackshaft/ jackshaft to crankwheel/ crankwheel to hub input/.the calculator could still handle this if you combined the first 2 reductions (4 and 1.8) into one of 7.2 (you could put in say 72 and 10 ) then you have the last 2 reductions left in the calculator for the last 2 stages.
If you go directly from jackshaft to the hub,your ratio would be :based on your figures:
4x(18/10)x (20/28)=5.14,(assuming a 20t rear hub sprocket)This is far too small, you should have a reduction of around 13-17,which is about 3 times as large.So the input sprocket to the jackshaft has to be made larger and/or the output one smaller.For instance 20 t input and 10t output sprocket on the jackshaft gets you a 16:1 reduction.and about 19mph road speed at 5000 rpm.For a 20" wheel the following formula applies:
Speed= 0.06x rpm/R, R is overall reduction.For instance you would like 25mph at 6000 rpm,solve for R, R=6000x0.06/ 25=14.4 So you need around a 14:1 reduction.Understood?