Turn everyday money questions
into clear numbers.
Use practical calculators for Taiwan taxes, salary, mortgages, loans, saving, cash flow, household budgets, and retirement planning.
One place for everyday money math
No app required. Most calculations run directly in your browser, so you do not need to upload personal financial figures.
Meet 柴有數 · Shiba Finance Guide
The homepage now uses a more premium mascot block so visitors first remember the brand character, then naturally move into tools, guides, and protection topics.
Cute, professional, and reassuring
柴有數 is not a sales character. The mascot helps visitors understand costs, assumptions, and trade-offs before making decisions.
Clear the numbers. Know where you stand.
- Friendly
- Professional
- Tool-first
- Everyday money guide
Mission
Turn complex money topics into clear numbers and practical next steps.
Best placement
Homepage, FAQ, contact page, educational hubs, and key topic entry pages.
Brand feel
Warm, clear, and capable—without feeling like a distant financial institution.
What do you want to calculate?
The site currently includes 55 calculators; the homepage highlights core tools while credit, loans, labor rights, and commercial insurance have dedicated hubs.
Income Tax Calculator
Estimate exemptions, deductions, taxable net income, and progressive tax.
Trading costStock Tax & Commission
Include commissions and sell-side transaction tax in net P/L.
SavingDeposit Rate Comparison
Compare two rates on the same principal and term.
Savings & InvestingCompound Interest Calculator
Estimate how a lump sum may grow over time with compound returns.
Savings & InvestingRecurring Investment Calculator
Estimate long-term growth from regular monthly contributions.
Savings & InvestingDividend Cash Flow Calculator
Estimate monthly and annual cash flow from capital and an assumed distribution rate.
Life PlanningFinancial Independence Calculator
Estimate a target portfolio based on monthly expenses and an assumed withdrawal rate.
LoansMortgage Calculator
Estimate monthly payment, total interest, and total repayment using equal monthly installments.
LoansPersonal Loan Calculator
Estimate monthly payments and total borrowing cost for a personal loan.
LoansLoan Prepayment Calculator
Estimate how partial principal repayment may reduce monthly payments and interest.
SalarySalary to Hourly Rate Calculator
Convert monthly salary into daily and hourly income using your actual work schedule.
SalaryOvertime Pay Calculator
Estimate Taiwan weekday overtime separately for monthly-salary and hourly-paid workers using common statutory multipliers.
Household FinanceHousehold Budget Calculator
Organize monthly income, fixed expenses, living costs, and potential savings.
Household FinanceEmergency Fund Calculator
Estimate a cash reserve target based on essential expenses and months of coverage.
RetirementRetirement Savings Calculator
Estimate future retirement assets from current savings, monthly contributions, time, and assumed returns.
RetirementETF / Fund Retirement Income
Combine spending, pension income, portfolio assets, distributions, inflation and withdrawals.
SavingSavings Goal Calculator
Estimate the monthly saving needed to reach a target amount.
PlanningInflation & Purchasing Power Calculator
Estimate how much future money may be needed to preserve today's purchasing power.
InvestingReal Return Calculator
Estimate return after accounting for inflation.
DebtDebt-to-Income Calculator
Compare monthly debt payments with income to estimate debt pressure.
DebtLoan Cost Comparison Calculator
Compare two loan scenarios using rates, terms, and one-time fees.
RetirementRetirement Withdrawal Calculator
Estimate first-year retirement withdrawals and inflation-adjusted spending scenarios.
Protect capital before chasing returns
Fake investments, impersonation scams, fake customer service and fake overseas insurance often use urgency to stop you from checking independently. If someone asks you to transfer money, surrender a policy, borrow or hand over account access, stop first and verify through an official channel.
Simple tools with clear assumptions
A 16-guide learning path from zero
Learn account opening, orders, settlement, costs, and scam prevention before choosing investments.
Understand mutual funds beyond yield and one-year rankings
10 new mutual-fund guides.
First lesson abroad: trading hours and settlement
6 simple international stock guides.
Taiwan / U.S. / Japan comparison
Compare hours, settlement, trading units, and price controls.
Understand bank buy and sell rates before exchanging currency
10 new FX guides plus official-rate lookup.
Before your first investment, understand the account and settlement
6 beginner guides plus a separately disclosed referral link.
6-guide securities-account hub
From broker selection and ID verification to settlement and the first trade.
Execution creates a payment obligation
The most basic risk control is having settlement cash ready before ordering.
Online opening and identity verification
Recognize official workflows and protect OTPs and credentials.
Understand the business before the price
12 new beginner guides on companies, financials, valuation, market mechanics, and risk—with no stock picks.
Stock Investing Hub
Build a framework from ownership and profitability to the three core financial statements.
How to read P/E, P/B, and yield
Metrics are research tools, not standalone buy/sell signals.
Lots, odd lots, and trading hours
Use TWSE primary sources to understand basic Taiwan trading rules.
Understand what is inside the ETF
10 new ETF guides from index and dividend strategies to active, bond, and leveraged/inverse ETFs.
Yield is not total return
Monthly or quarterly payouts should be viewed with NAV and total return.
Daily reset in leveraged/inverse ETFs
Long-term returns are not a simple fixed multiple of the index.
View maintenance risk and cash flow together
8 guides plus a risk calculator—treating collateralized borrowing as leverage, not free liquidity.
Stock-Pledge Risk Calculator
Enter your own contractual threshold and simulate the buffer after market declines.
140% is not universal
Check the formula, accrued interest, and required cure level in the contract.
The leverage spiral from reinvesting
Collateral and reinvested assets can fall together while interest remains due.
Income, wealth transfer, property and trading costs
Common-scenario calculators with official source links; final filing and assessment still depend on the competent authority.
Do not plan retirement with one number alone
Start with spending and pensions, then test cash flow, coverage, the asset gap, withdrawal rates and an early market crash.
Retirement target
Reverse-engineer a personalized asset target.
Cash flowRetirement cash flow
Put recurring retirement income and expenses together.
GapRetirement gap
Compare your target with your current saving trajectory.
Stress testEarly crash test
See what a major decline may do while withdrawing.
Taiwan labor rights: NHI, insurance, pension, wages & overtime
Labor Insurance and NHI information is checked against official sources; wage and overtime tools provide general scenario estimates under current rules.
Salary to Hourly Rate
Convert monthly pay, workdays and hours into daily and hourly income.
HoursOvertime Pay Calculator
Separate monthly-salary and hourly-paid estimates for ordinary weekday overtime.
2026Insured Salary Bracket
Map monthly compensation to the 2026 Labor Insurance level.
2026Employee Premium Estimate
Basic Labor + Employment Insurance estimate.
2026 NHINHI Premium Calculator
Estimate the monthly employee contribution from the insured amount and dependent count.
Age 65Old-Age Pension Estimate
Two-formula comparison with early/deferred adjustment.
2026 updateMaternity Benefit Estimate
60-day benefit plus eligible top-up scenario.
Understand insurance before comparing products
Education and scenario tools, not policy sales.
Life Insurance Need Calculator
Estimate a protection gap from debts, family expenses, and existing resources.
PremiumsPremium Affordability
Compare annual premiums with household income and surplus.
Policy Cash FlowPolicy IRR Calculator
Estimate a simplified IRR from premiums and policy value.
Separate the insurance from the investment
A 10-guide section covering costs, account value, distributions, managed accounts, leverage, and 2026 rules.
10-guide investment-linked hub
Start with the protection need, then understand charges and account-value movements.
Distributions may come from principal
Cash received is not the same as an increase in total wealth.
Suitability and risk capacity
Use current sales rules as a framework to test whether you understand the product.
What does a 200–800 JCIC score actually measure?
8 new core guides plus official lookup.
Understand borrowing cost before borrowing
Credit Card Hub
11 guides + 5 calculators covering revolving credit, minimum payments, installments, cash advances, and JCIC.
Loans & Debt Hub
14 guides + 3 new calculators covering APR, mortgages, personal loans, consolidation, and negotiation.
Primary sources first
Key facts are based on Taiwan Banking Bureau and JCIC information checked on Aug 13, 2026.
Six tools worth trying first
A short path into the site without overwhelming first-time visitors.
Retirement Savings
Turn a retirement goal into a monthly saving target.
Open tool →柴有數 answers common website questions
A homepage FAQ improves clarity for first-time visitors and supports trust.
Website What is Life Finance Tools?
Mascot Who is Shiba Finance Guide?
Calculators Can calculator results be treated as official bank, insurer, or government figures?
Privacy Does the website upload my financial inputs?
Cost Are the tools free?
Advertising Can ads affect calculator results?
Updates How are changing rules such as labor insurance or credit-card regulations handled?
Separate Labor Insurance, old pension, and new pension
8 new system guides plus a BLI e-service tutorial.
Check your own BLI records
Official portal, mobile login, insurance history, salary, and pension account tutorial.
Pure old-system voluntary contributions
The July 17, 2026 update and early-settlement conditions.