拾階經管 Stairwise
Agents
Master's, part-time program, certificate or bootcamp? Counts tuition, income you give up, completion odds and the pay raise, compares each option to not studying, and shows NPV, payback and the break-even raise.
At what age can you live without a paycheck? Uses the 4% rule plus 2,000 simulations to find your earliest retirement age and success rate, the risk of a crash right after you retire, and how many years each change saves.
Is "0% financing" really 0%? Counts cash discounts, fees and balloon payments to find the true annual rate of every way to pay, then ranks them from cheapest to most expensive.
If the main earner lost their job, how many months could your household last? Seven scenarios simulated month by month — job loss, pay cut, rate hike, surprise bill, inflation, market crash — with breaking points and a prioritized action plan.
Same down payment, same monthly budget: buy a home, or rent and invest the difference? Month-by-month simulation with break-even rent, break-even price growth, sensitivity tables and stress tests.
Two offers, one choice. Turns base pay, bonus, equity, commute and taxes into money, ranks offers by 4-year present value and real hourly pay, and gives you a negotiation number you can say out loud.
Got a lump sum? Pay down the mortgage, invest it, or keep it as cash? Four checks in order — emergency fund, prepayment penalty, risk-free comparison, risk-adjusted comparison — end in one amount and one clear reason.
Free. Enter your income goal, costs and hours to get the hourly rate you can't go below, plus floor, target and ideal quotes — and see how to earn more without raising prices.
Before you discount, run this once. From your past prices and sales, it measures how price-sensitive your customers are, finds the margin-maximizing price, and shows how much more you must sell to break even on any discount.
帳上賺錢、戶頭缺錢？14 項財務比率紅黃綠燈加 24 題管理自評，找出最該先修的三件事，並展開成 30／60／90 天行動計畫。
匯率、利率、原料價格一變，你的公司稅前淨利會變多少？一次跑 9 種情境，找出自然避險缺口與最傷的組合，附避險方向建議。
老闆問「總共借多少、下個月要還多少」，一分鐘回答。丟進各家網銀截圖或匯出檔，整理成總覽、明細、額度與 30 天到期預警 Excel。