Site Guide

Personal Finance Analysis

Balance income and expenses, review assets and liabilities, get a financial health score

Expense Tracker

Track daily spending with category breakdown and pie chart analysis

Savings Goal Planner

Set life goals and calculate how much to save each month

2026 Bank Fixed Deposit Rates Compared

Compare HKD time deposit rates across 9 banks and pick the best deal.

Savings Goal Planning: 5 Steps to Achieve Your Life Goals

Use the SMART goal framework for buying a home, getting married, further education, and more.

How Financial Tools Help You Make (and Save) Money

5 real scenarios showing how calculators can save and earn you money.

Mortgage Calculator

Monthly payment, stress test, income requirements — instant results

Remortgage Calculator

Compare old vs new mortgage plans, including rebates and penalty periods

Rental Yield Calculator

Calculate property rental yield, cash flow, and ROI

Buy vs Rent Comparison

Compare the long-term wealth impact of buying vs renting

Home Upgrade Practical Guide: Buy First or Sell First?

Cash flow, LTV ratio, tax costs fully analysed with a four-question decision framework

H-Plan vs P-Plan 2026: Which Saves More?

Ultimate comparison of two mortgage rate plans with decision framework and common pitfalls

First-Time Home Buyer's Complete Guide

Stamp duty, stress test, and bank rebates fully calculated

Mortgage Stress Test: Why Does the HKMA Add 3%?

How the stress test works and what rate banks use

H-Plan vs P-Plan

How to choose between two mortgage rate types

The Complete 2026 Hong Kong Home Buying Guide

From viewing to mortgage, step by step

Buy vs Rent in Hong Kong: The Ultimate 2026 Comparison

Real numbers that settle the debate

Compound Interest Calculator

Visualise investment returns and understand the true power of compounding

DCA Calculator

Simulate monthly stock/ETF investment returns

Stock Total Return Calculator

Factor in dividends, reinvestment, and fees

Stock Valuation Calculator

PE/PB/DDM/Graham four-method valuation

Fixed Deposit Comparison

Compare Hong Kong bank time deposit rates in real time

Precious Metals ROI Calculator

Calculate profit/loss on gold and silver investments

FIRE Financial Independence Calculator

Use the 4% rule to calculate your early retirement target

Children's Education Fund Calculator

From kindergarten to university — work out how much to save

H2 2026 Hong Kong IPO Preview

New Energy / AI / Consumer — three key sectors fully analysed

Options Basics: Call/Put Explained

Real Tencent and HSBC examples to break down how calls and puts work

Rate-Cut Cycle Investment Strategy

Fed transmission mechanism × historical backtest × three allocation plans

Hong Kong Parking Space Investment: Full ROI Analysis

Five-district price × rental yield comparison; real numbers on buy vs rent

iBond vs Silver Bond vs Green Bond: Ultimate Comparison

Interest rates, eligibility, and liquidity for all three government retail bonds

H1 2026 Hong Kong IPO First-Day Return Analysis

62 IPOs · raised HK$166.8B · all 12 June listings fully analysed

DCA vs Lump Sum: How Big Is the Real Return Gap?

HK and US market data with three scenarios

Compound Interest: The Eighth Wonder

Why starting early makes all the difference

Dollar Cost Averaging (DCA): Why It's the Best Strategy for Retail Investors

No need to time the market — monthly investing wins

Monthly ETF Investing in Hong Kong: Start from HK$3,000

Tracker Fund vs Hang Seng TECH — which to pick?

Fixed Deposits vs Bonds: Which Delivers Higher Returns?

How to choose between income instruments

Is Gold a Good Investment? Gold vs HSI vs Fixed Deposits

The best way to buy gold and silver

FIRE Movement Guide: How Much Do Hongkongers Need to Retire Early?

4% rule + passive income fully explained

Children's Education Fund Guide

From kindergarten to university — how much to save?

2026 World Cup Hong Kong Stock Investment Guide

Beer, sportswear, travel, casino — six sector valuation analysis with three portfolio plans

SpaceX Listing's Profound Impact on Hong Kong Stocks

Short-, medium-, and long-term HK stock outlook after SPCX lands on Nasdaq

Beyond Fixed Deposits: 5 Ways to Generate Extra Income

Monthly ETFs, dividend stocks, bonds

Raising Financially Savvy Kids

Teaching children about money from an early age

ETF Portfolio Allocation: The Golden Ratio for HK Investors

60/30/10 HK+US+bond allocation guide

Crypto Investing 101: Spot ETFs vs Buying Crypto Directly

Three paths compared by cost, risk, and suitability

Salaries Tax Calculator

Allowances, tax bands — automatically calculated

Profits Tax Calculator

Estimate profits tax for sole proprietorship, partnership, and limited company

Personal Assessment Calculator

Combine salary, business profits, and rental income for tax calculation

Rates Calculator

Calculate quarterly rates and government rent from rateable value

Emigration Finance Guide: MPF Withdrawal, Asset Transfer & Cross-Border Tax

MPF permanent departure withdrawal process, property/stock/cash transfer strategies, cross-border tax traps for UK, Australia, Canada, and Taiwan.

Self-Employed Finance Guide: Tax Filing, MPF, Insurance

Two-tiered profits tax, MPF obligations, and insurance needs — all in one place

Tax Filing Guide 2026: 7 Most Overlooked Deductions

VHIS, MPF TVC, rent deduction... complete checklist

Salaries Tax Allowances & Deductions Guide 2026

Children, parents, self-education — all deductions covered

Hong Kong Property Tax Guide 2026

How to file tax on rental properties

Hong Kong Rates Guide 2026

How rates and government rent are calculated, when to pay

TU Credit Score Estimator

6 questions to estimate your credit rating A–J

Credit Card Minimum Payment Calculator

See the true cost of only paying the minimum

TU Credit Report Guide: How to Read and Improve Your Score

How to check and improve your credit rating

Credit Card Money Traps: 6 Pitfalls That Keep You Broke

The true cost of minimum payments and cash advances

Forex Converter

Live exchange rates supporting 17 major currencies

HKD vs Foreign Currency Fixed Deposits

USD, AUD, JPY — which offers the best value?

Insurance Needs Estimator

Estimate life, critical illness, and medical insurance coverage based on age and income

How Much Insurance Do You Need? Complete Coverage Guide

How to calculate life, CI, and medical insurance coverage

Beyond Insurance: 5 Financial Strategies to Protect Yourself

Emergency fund, MPF, regular health checks

MPF Contribution Calculator

Employer and employee contributions, voluntary contribution comparison

Retirement Savings Target Calculator

Set your retirement goal and calculate how much to save each month

Annuity Complete Guide: Public Annuity / QDAP / Private Annuity

Three annuity systems fully compared with return calculations and retirement income framework

How Much to Retire in Hong Kong? 2026 Complete Guide

MPF + voluntary contributions + investment portfolio

How Much for Retirement? The Terrifying Gap Between Starting at 30 vs 40

The compounding power of starting 10 years earlier — a HK$5M difference

Retirement Planning Is Really About Planning Your Life

The heart of retirement isn't a maths problem — start planning the life you want today