All tools
All calculators are math-only. No tracking, no accounts. Tools taggedTW-specificimplement Taiwan-only formulas.
Custom Asset Allocation
Define your own categories and percentages. 5 built-in presets (balanced, aggressive, conservative, three-fund, inflation hedge).
Mortgage CalculatorTW-specific
Payment schedule, total interest, supports new / used houses, grace periods, bank appraisal adjustments.
Labor Insurance + Labor PensionTW-specific
Monthly retirement income from 勞保 + 勞退. Formula A vs B, self-contribution benefits.
Income Tax CalculatorTW-specific
2024 Taiwan brackets, married filing with 3 calculation methods comparison.
Rent vs Buy
Net wealth comparison over N years including mortgage, appreciation, and opportunity cost of capital.
Credit Card Debt
Minimum-payment simulation, interest totals, impact of extra monthly payments.
Children's Education Fund
Future value of tuition with inflation, gap vs current savings, required monthly contribution.
Taiwan Stock Dividend TaxTW-specific
Combined filing (8.5% credit) vs separate 28% rate comparison based on marginal bracket.
Overseas Broker vs Sub-BrokerageTW-specific
Cost comparison for US stock investing via US broker vs Taiwan sub-brokerage (複委託).
Overseas Income Tax (AMT)TW-specific
Alternative Minimum Tax regime applied to foreign income: 100萬 threshold, 750萬 exemption, 20% rate.
Insurance Coverage Calculator
Double-10, income-replacement, net-liability methods for life insurance coverage target.
4% Withdrawal Rule
Retirement assets needed based on annual expense and withdrawal rate.
Dollar-Cost Averaging vs Lump Sum
Same capital, different deployment: N-year accumulation comparison.
Retirement Gap Calculator
Integrates labor pension + personal investment vs retirement target. Shows extra monthly savings needed.
Inflation Calculator
Future value of money and purchasing-power loss over N years.
Emergency Fund Calculator
3-12 months of expenses based on income stability, dependents, and health-insurance coverage.
Civil Servant PensionTW-specific
Post-2018 pension reform (退撫新制) formula: 2% × service years × average salary.
Investment-Linked Insurance vs ETF
Same annual contribution, same gross return: long-term accumulation gap.
Savings Insurance IRR Calculator
Real annualized IRR from your policy's cashflow or advertised rate. Handles TWD/USD, lump-sum or annuity payouts, survival benefits, and a surrender-IRR curve.
Savings Insurance vs ETF
New-purchase or surrender decision: compare keep-paying vs surrender+ETF at a common horizon, with breakeven ETF return and sensitivity.
Coast FIRE
Asset threshold where no new contributions are needed to reach retirement target.
Monte Carlo Retirement Simulation
1,000 random market scenarios to estimate retirement success probability.