All tools
All calculators are math-only. No tracking, no accounts. Tools taggedTW-specificimplement Taiwan-only formulas.
Asset Allocation Calculator
Based on age, risk tolerance, total amount — computes category percentages and compound projection.
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.
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.