拾階經管 Stairwise
Agents
Eight holdings can diversify like 6.5. Paste yours in and see concentration, effective holdings, drift from your target mix, what to buy or sell to rebalance, and how much fees cost you long term. Calculation only, never a recommendation.
Don't ask what a stock is worth — ask what today's price already assumes. Four valuation methods, three scenarios, a discount-rate by growth sensitivity table, and the growth rate the market is implying. Calculation only, never a recommendation.
Work is coming in but money isn't. Puts every unpaid amount on a timeline, shows which month runs short and who to chase today, and compares deposits, shorter terms, chasing early and trimming costs.
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.
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。