Mortgage & Housing
8 toolsTax & Payroll
5 toolsInvestment & Savings
6 toolsOther Loans
6 toolsSavings & Planning
5 toolsAboutAbout TS Tools
TS Tools (tstools.org) is a pure frontend tool site focused on free online calculators, currently featuring 30 practical calculators covering mortgage & housing (mortgage with taxes/insurance, biweekly, prepayment, equal principal, provident fund loan, combination loan, mortgage rate reference, housing fund withdrawal), tax & payroll (income tax, China IIT for expats, year-end bonus tax, social insurance, annual reconciliation), investment & savings (compound interest, ROI, savings interest, inflation-adjusted return, deposit interest, education savings), loans (auto loan, business loan, consumer loan, renovation loan, credit card payoff, credit card true APR), and savings & planning (savings goal, budget planner, emergency fund, car budget, renovation budget). All tools run locally in your browser, pure frontend, no ads, no data uploads, instant calculation; pages use responsive design, mobile-friendly, and no login required, just open the page and use it.
Use CasesWho Uses These Tools
Covering home buying, investing, and tax filing scenarios
Before buying a home you need to compare monthly payments and see total interest, and decide between equal installment and equal principal. Use the mortgage calculator to instantly get monthly payment and total interest, then layer in the mortgage prepayment calculator to plan early payoff and interest savings.
Run dollar-cost averaging, project compound interest future value, compare simple versus compound interest, and plan retirement or education funds. The compound interest calculator supports both lump sum and monthly contribution modes with a growth curve for long-term planning.
Every annual filing season you need to compute taxable income and tax due from marginal brackets. The income tax calculator figures your taxable income, tax due, quick deduction, and after-tax take-home pay based on the latest bracket rates.
City GuidesSocial Insurance by Chinese City
Foreigners working in China: 2026 contribution rates, base ranges, and take-home pay for major cities
Visitor messages
Recent notes and suggestions from TS Tools visitors
FAQFrequently Asked Questions
Common questions about mortgage, income tax, compound interest, and data safety
How does a mortgage calculator with taxes and insurance work?
How is income tax calculated?
How do I calculate compound interest with monthly contributions?
Is making mortgage prepayments worth it?
What is the difference between equal installment and equal principal mortgages?
Are these calculators free? Is my data uploaded to a server?
Webmaster's Journal · 站长日志
Retired the static "China Mortgage Rate Reference" page today — rate data needs a real-time official feed to be trustworthy, otherwise it misleads. Will restore once we wire up a PBOC / LPR live API.
Filled out the English homepage to 29 tool cards, added the city social-insurance entry and a visitor-suggestion CTA; CN/EN layouts are now aligned.
Optimized SEO meta tags across 30 English guides — titles trimmed to ~53 chars, descriptions to ~152 chars, all within best-practice ranges.
Launched 5 new tools (social insurance, housing-fund withdrawal, business loan, ROI, savings interest) + 5 matching guides; the site now has 25+ tools.
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