Turn everyday money questions
into clear numbers.
Use practical calculators for 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 38 calculators; the homepage highlights core tools while credit, loans, labor insurance, and commercial insurance have dedicated hubs.
Compound 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
A basic estimate for Taiwan weekday overtime 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.
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.
Simple tools with clear assumptions
Current Taiwan Labor Insurance information and calculators
Official data checked August 13, 2026.
Insured Salary Bracket
Map monthly compensation to the 2026 Labor Insurance level.
2026Employee Premium Estimate
Basic Labor + Employment Insurance estimate.
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.
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?
