WealthCalc Pro - 理財精算機

Say goodbye to tedious Excel and inaccurate free calculators! WealthCalc Pro provides you with 10 practical actuarial tools that meet the highest industry standards, allowing you to calculate accurate solutions in front of clients in just 3 seconds and supporting one-click export of high-quality PDF proposal reports!

--- 10 Core Actuarial Tools ---
1. **Dividend Fund Calculator:** Flagship weapon! Built-in exclusive actuarial calculations for deducting unit administrative fees, discounted cash flow, MOIC return multiple, and true internal rate of return (IRR).

2. **Savings Insurance IRR Actuarial Calculation:** Supports customized annual premium rebates, irregular cash flows, and mid-term withdrawals, accurately calculating the policy's true rate of return.

3. **Mortgage Tool:** Compares P/H mortgages, stress tests income requirements, and provides in-depth financial comparisons between renting and buying.

4. **Tax Withholding Calculator:** Calculates total tax savings and actual savings percentages in a second for Voluntary Health Insurance (VHIS), Deferred Annuity Plan (QDAP), and TVC contributions.

5. **MPF Retirement Benefits:** Provides long-term MPF rollover forecasts, exclusively incorporating Fund Expenditure Ratio (FER) cost erosion analysis.

6. **Education Savings Calculator:** Combines education inflation rate and PMT formula to accurately calculate the monthly savings gap required for children's overseas studies.

7. **Simple Interest and Monthly Interest Equalization Calculator:** Converts monthly interest rates on credit cards and private loans to the Actual Percentage Rate (APR) with a single click.

8. **Protection Gap Analysis:** Uses the income replacement method to accurately calculate family liability gaps and recommend life insurance coverage.

9. **Stamp Duty Calculator:** Covers Hong Kong permanent residents' first-time home purchase, non-first-time home purchase, non-Hong Kong residents, and company-owned ad valorem stamp duty (AVD).

10. **Your Life Cycle:** Assesses personal and family human capital value, quantifying lifetime wealth creation potential.


--- Professional Edition (PRO) Exclusive Privileges ---
* **One-Click Export of Professional PDF Reports:** Supports switching between themes from multiple mainstream insurance companies, featuring a minimalist white background printing format for maximum professionalism in client presentations!

* **100% Clean and Ad-Free:** Full-featured, high-speed calculations without any ad interruptions.

* **Unlimited Full-Featured Actuarial Calculations:** Unlimited access to all computers and advanced parameter customization.

--- Modern and Ultimate Experience ---
* **One-click switching between Daytime Platinum and Nighttime Black Gold modes to adapt to various lighting conditions during client meetings.**
* **Supports instant switching between Traditional Chinese, Simplified Chinese, and English, helping you easily expand your high-net-worth client market both overseas and in mainland China.

--- Subscription Terms ---
* **Subscription Plans:** WealthCalc Pro Monthly Plan, WealthCalc Pro Annual Plan.

* Subscriptions will automatically renew unless you turn off auto-renewal before the end of the current billing cycle.

* You can manage or cancel your subscription at any time in your Google Play account settings.

Privacy Policy:

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Disclaimer: All calculations, IRR analyses, and PDF reports provided in this application are for informational and financial conceptual purposes only and do not constitute any form of investment, tax, or legal advice. Actual policy dividends, mortgage rates, and tax deductions are subject to final approval by financial institutions and government tax authorities.