# FinKit

> FinKit is a Traditional Chinese personal-finance calculator and education site for Taiwan users. Canonical domain: https://finkit.top/

## Core purpose
FinKit helps users estimate and understand cash flow, emergency funds, debt, investing, mortgages, retirement, Taiwan tax topics, foreign exchange, and structured-product scenarios. Results are educational estimates and are not tax, legal, insurance, or investment advice.

## Important tools
- Overseas income / Taiwan AMT calculator (115 / 2026 rules): https://finkit.top/tools/taiwan-overseas-income-tax-calculator.html
- All calculators: https://finkit.top/tools/
- Financial health check: https://finkit.top/tools/financial-health-check.html
- DCA calculator: https://finkit.top/tools/dca-calculator.html
- Mortgage calculator: https://finkit.top/tools/mortgage-calculator.html
- Retirement withdrawal calculator: https://finkit.top/tools/retirement-withdrawal-calculator.html
- FCN calculator: https://finkit.top/tools/fcn-calculator.html

## Important guides
- Overseas income and Taiwan AMT guide: https://finkit.top/learn/taiwan-overseas-income-tax-guide.html
- Knowledge center: https://finkit.top/learn/
- Personal-finance roadmap: https://finkit.top/learn/personal-finance-roadmap.html
- DCA investing guide: https://finkit.top/learn/dca-investing-guide.html
- FCN risk guide: https://finkit.top/learn/fcn-risk-guide.html

## Overseas income facts used by FinKit
- For Taiwan resident individuals, household overseas income reaching TWD 1,000,000 is generally included in individual basic income in full; below TWD 1,000,000 it is generally not included.
- The individual basic-income deduction is TWD 7,500,000 for 2026 (ROC year 115); this is not a standalone overseas-income exemption.
- Basic tax is generally calculated as (basic income - TWD 7,500,000) × 20% when basic income exceeds the deduction.
- 2026 Taiwan individual income-tax brackets are 5%, 12%, 20%, 30%, and 40%, with net-income thresholds of TWD 610,000 / 1,380,000 / 2,770,000 / 5,190,000.
- 2026 personal exemption is TWD 101,000; standard deduction is TWD 136,000 for single filers and TWD 272,000 for married joint filers; salary special deduction is up to TWD 227,000 per eligible person.

## Source policy
For Taiwan tax rules, FinKit prioritizes the Ministry of Finance, eTax Portal, and National Taxation Bureau sources. Tax pages should state the applicable tax year and last-updated date. Market and product calculations are estimates and should be checked against official product documents or current market data.

## Publisher and monetization
FinKit publisher ID for Google AdSense: pub-4463068342710380. ads.txt is available at https://finkit.top/ads.txt.

## Contact and policies
- About: https://finkit.top/about.html
- Privacy: https://finkit.top/privacy.html
- Terms: https://finkit.top/terms.html
- Disclaimer: https://finkit.top/disclaimer.html
- Contact: https://finkit.top/contact.html

## Trust, methodology and corrections
- Editorial policy: https://finkit.top/editorial-policy.html
- Calculation methodology and sources: https://finkit.top/methodology.html
- About FinKit: https://finkit.top/about.html
- Corrections/contact: https://finkit.top/contact.html