Stock Helper comes in two monthly plans: Basic at NT$999 a month (NT$11,988 a year) and Advanced at NT$2,999 a month (NT$35,988 a year). If you have a day job and no time to watch the market, whether that's worth it, and which plan to pick, shouldn't come down to gut feel.
But don't measure it by "how much will it make me," either. No one can guarantee returns, and Stock Helper doesn't promise any. There are two more practical ways to do the math: whether it helps you avoid one loss, and how much time it saves you. Below, we lay out both calculations with concrete numbers for each plan, then look at whether the math works for your portfolio size.
30-second overview
| Question | Answer |
|---|---|
| Monthly fee | Basic NT$999 (5 AI analyses a day) or Advanced NT$2,999 (Advanced analysis allowance, the most advanced frontier model), billed monthly, no contract, AI costs included |
| What not to measure it by | Investment returns; no one can guarantee them |
| Calculation 1: one loss avoided | Illustration: NT$600,000 across 6 stocks, one handled early and spared a further 8% drop, about NT$8,000, equal to 8 months of Basic or nearly 3 months of Advanced |
| Calculation 2: time | 30–50 minutes of watching the market a day, replaced by about 5 minutes reading the morning briefing |
| Very small portfolios | Advanced is hard to justify; start with the free trial version, then Basic if you want personal tracking |
| Which plan | Depends on how often you ask: Basic if you only follow up on a stock or two when something moves; upgrade to Advanced if you analyze several stocks a day |
| How to verify | Use three months to answer one question: was there a time when, because of it, you lost less, didn't chase, or noticed something early? |
Calculation 1: what one avoided loss is worth
Why measure "losing less" instead of "making more"? Because whether you make or lose money over a year depends heavily on the broader market, so it's hard to credit any tool. But "did you find out early that day, and did you follow your own plan" is something you can point to, one event at a time.
To be clear up front: what follows is an illustrative calculation. The numbers are set to explain the idea. They aren't a guarantee, and real results can go the other way.
Example 1: knowing before the next open that it broke the prior low
Say you've invested NT$600,000 across 6 stocks, about NT$100,000 each. When you bought one of them, Stock A, you told it on Telegram: "If it breaks the previous low, I'll trim." One day it closes below the previous trading day's low, down 4% on the day. The next morning's briefing lists it: the close, the drop, your cost and P&L %, and RSI. Because it fell more than 3%, the briefing also attaches a candlestick chart and looks up the news on it, and today's action notes call for a trim, with key price levels: stop-loss, support, and resistance.
That's exactly the trim condition you set. After the open, you follow your plan; if you want to double-check first, you can ask it once on Telegram. Now suppose it falls another 8% over the next week:
| Scenario | Result for this stretch |
|---|---|
| Read the briefing and acted on your plan after the open | Avoided the next 8% |
| Didn't notice until a week later | NT$100,000 × 8%, about NT$8,000 more lost |
NT$8,000 is about 8 months of Basic (NT$7,992) and close to 3 months of Advanced (NT$8,997). One time covers most of a year on Basic, or nearly a quarter on Advanced.
This math can also go the other way: right after you sell, it rebounds the next day, and you end up making less. A stop-loss works like insurance; sometimes you pay the premium for nothing. Its value isn't being right every time. It's getting you to decide while the loss is still small, instead of finding out at -30%.
Example 2: not chasing at an RSI of 85
Another stock, Stock B, has been rising for a week, and you want to put NT$100,000 into it. First you ask on Telegram, "Can I buy Stock B now?" It replies that RSI(14) is 85, in the extremely overheated, never-chase zone, and gives you a buy zone to watch and a support zone. You add Stock B to your watchlist with the reason "wait for it to come back to support."
Suppose it then pulls back 10%. Because you didn't chase at the top, you avoided a NT$10,000 paper loss, about 10 months of Basic or a bit more than 3 months of Advanced. Just as easily, it could keep rising and you'd miss part of the gain. The goal of not chasing isn't to buy at the very bottom every time; it's to avoid betting big at the most expensive price.
The point of both examples: you don't need it to "make you money." If it helps you lose less or chase less a few times a year, what you save has a real chance of exceeding the fee.
Calculation 2: the time you spend watching the market
With 8 holdings, checking technical indicators, finding news and announcements, and reading market sentiment adds up to about 30–50 minutes a day, or 10–17 hours a month (20 trading days). The full breakdown is in Watching Stocks Yourself vs Stock Helper.
With Stock Helper, it's roughly 5 minutes reading the morning briefing before the open, plus a follow-up question when you want to check a stock during the session or dig deeper:
| Item | Watching it yourself | With Stock Helper |
|---|---|---|
| Time per day | 30–50 minutes, scattered across the day | About 5 minutes reading the briefing, plus a question when you need one |
| Per month (20 trading days) | 10–17 hours | About 1.7 hours |
| Saved per month | — | About 8–15 hours |
Divide the fee by the time saved: on Basic, NT$999 ÷ 8–15 hours means you're buying back time at about NT$67–125 an hour; on Advanced, NT$2,999 ÷ 8–15 hours works out to about NT$200–375 an hour. If your time is worth more than that, this calculation alone makes it pay off. Both plans include the same briefing, so the time saved is about the same; the extra you pay for Advanced buys more questions each day, more comparisons, and more precise analysis.
If you genuinely enjoy researching stocks, that time is a hobby, not a cost, and you don't need to count it. But what you save isn't just hours. It's also the focus that gets fragmented all day: a quick scroll before a meeting, another at lunch, and each time you have to get back into work mode. That part is hard to put a price on, yet it's often what people feel most.
Your portfolio size decides whether the math works
The fee is fixed, but depending on your portfolio size, the same fee means very different things. The table below compares the same illustrative scenario: 6 holdings, one making up about 1/6 of the total, and that one stock spared an 8% drop, converted into Basic (NT$11,988 a year) and Advanced (NT$35,988 a year).
| Total invested | One stock spared an 8% drop saves about | A year of fees as % of portfolio (Basic / Advanced) | One avoided drop covers (Basic / Advanced) |
|---|---|---|---|
| NT$200,000 | NT$2,700 | 6% / 18% | 2.7 / 0.9 months |
| NT$500,000 | NT$6,700 | 2.4% / 7.2% | 6.7 / 2.2 months |
| NT$1,000,000 | NT$13,300 | 1.2% / 3.6% | 13.3 / 4.4 months |
| NT$3,000,000 | NT$40,000 | 0.4% / 1.2% | 40 / 13.3 months |
How to read this table:
- Around NT$200,000 invested: a year of Basic equals about 6% of your principal, and one early exit covers about 2.7 months, so you'd need several a year to break even. Advanced takes 18% a year, which is hard to justify at this size. The better move is to start with the free trial version, which sends a general market morning briefing every trading day and lets you ask questions on Telegram. Build your stop-loss and no-chasing habits first; when you want P&L calculated from your own cost and a daily briefing with stop-loss, support and resistance levels, start with Basic.
- NT$500,000 to NT$1,000,000: one early exit covers roughly half a year to more than a year of Basic, or 2 to 4 months of Advanced. If you've often had the experience of "only noticing after it fell" or "buying at the top," this range is a good fit for a three-month test on Basic; if you keep finding 5 analyses a day isn't enough, upgrade to Advanced.
- NT$3,000,000 and up: a year of Advanced is only about 1.2% of your portfolio, and one avoided drop could cover more than a year of Advanced. With a large portfolio, every call moves more money, so choosing Advanced, with room to ask more about each stock and the most advanced frontier model for the most precise analysis, is reasonable. At this point, the real question isn't whether it pays off, but whether you have the time to watch every stock yourself.
What the monthly fee includes
| What you get | What it means for your wallet |
|---|---|
| A morning briefing every trading day (08:30 by default, with 10 time slots to choose from between 07:00 and 20:00) | Before the open, you know how US stocks did overnight, the TAIEX futures night session, the broader market, and each holding's P&L % and RSI |
| Today's action notes and key price levels | For holdings that moved: hold, trim, wait and see, or don't chase, with stop-loss, support and resistance, so you know which price to defend before the open |
| Follow-up questions on Telegram | Full stock analysis, sector comparisons, market and macro questions, all by sending a message; Basic includes 5 AI analyses a day, Advanced comes with the Advanced analysis allowance |
| Candlestick charts | Charts for holdings that moved more than ±2% in the morning briefing; full stock analysis includes a 3-month candlestick chart (with RSI, MACD and Bollinger Bands) |
| P&L calculation | Calculated by code from the cost you entered, never by mental math |
| Trade record sync | Tell it on Telegram about a filled trade, and your holdings list updates automatically in about 10 minutes |
| Follow-up verification | After the close on the next trading day, it checks support, resistance and its direction call against the TWSE closing price |
| AI costs fully included | Multiple AI engines work together behind the scenes, all covered by the monthly fee, so there's never a second bill |
| Family access | Link multiple Telegram accounts to share the same holdings tracking |
It doesn't need your brokerage account, doesn't place trades and never touches your money. The holdings list and watchlist each hold up to 10 stocks.
Everything above comes with both plans. They differ in only two ways: how many questions you can ask each day, and which tier of model answers. Basic includes 5 AI analyses a day on the latest model; Advanced comes with the Advanced analysis allowance and uses the most advanced frontier model for the most precise analysis. One analysis means you send a message on Telegram and it answers once; the briefing doesn't count, and the count resets at midnight Taiwan time. If you mostly rely on the briefing and only follow up on a stock or two when something moves, Basic is enough. If you like to go through several stocks every day and compare whole sectors, or your portfolio is large enough that every call moves real money, Advanced is the better fit.
Verify over three months instead of deciding all at once
Both plans are billed monthly, and you can cancel renewal at any time with no cancellation fee, so you don't have to decide up front whether it's "worth a whole year." A more practical approach is to use Basic for three months (NT$2,997 in total) and set up three things in the first week so it has a chance to help you:
- Fill in your holdings list with share counts and your actual average cost, so the P&L % is accurate.
- Tell it your stop-loss prices on Telegram, for example "If Stock A drops below 90, I'm cutting it."
- Write down a reason for each watchlist stock, such as "wait for a pullback to 290," and the morning briefing will review it with you every day.
During those three months, every time a briefing or one of its answers led you to take, or not take, an action, jot down one line:
| What to record | Illustration |
|---|---|
| Date and stock | 10/14, Stock A |
| What it flagged | Morning briefing: broke below the previous trading day's low, action note "trim," unrealized loss -6% |
| What you did | Trimmed half, as planned |
| What happened next | Fell another 8% over the following week; estimated loss avoided about NT$4,000 |
Also record the times you acted on its call and ended up making less. That's the only way the math is fair. After three months, add up both sides, put the total next to what you paid, and answer one question:
Was there a time when, because of it, you lost less, didn't chase, or noticed something early?
If yes, and the total comes close to or exceeds what you paid, keep it; if you often found 5 analyses a day weren't enough during those three months, upgrade to Advanced in the dashboard. If you can't think of a single time, your existing approach is already enough, so cancel. That's a useful conclusion too.
FAQ
Q: Does the fee go up with more holdings?
No. Basic is a fixed NT$999 a month and Advanced a fixed NT$2,999 a month. On both plans, the holdings list holds up to 10 stocks and the watchlist up to 10, and adding or removing stocks within that range doesn't change anything.
Q: Are 5 analyses a day on Basic enough?
It depends on your habits. The morning briefing is sent on its own initiative and doesn't count; only when you send a message on Telegram and it answers does that count as one analysis, and the count resets at midnight Taiwan time. If you mostly rely on the briefing and only follow up on a stock or two when something moves, 5 is usually enough. If you often analyze several stocks a day, compare whole sectors, or want the most advanced frontier model for the most precise analysis, you can upgrade to Advanced in the dashboard.
Q: Are there any costs besides the monthly fee?
No. AI costs are included in the monthly fee, you don't need to sign up or pay for any AI service, and there's never a second bill.
Q: What if it gets a call wrong and I lose money?
Its output is analysis for reference, not investment advice, and the final decision and position size are yours. To help you judge whether to trust what it says, every full analysis spells out the conditions under which its call would no longer hold, every fact is sourced, anything it can't find is marked "Not found," and it checks its own answers after the close on the next trading day.
Q: Can I try it free before deciding?
Yes. The trial version is shared by multiple trial members and sends a general market morning briefing at 08:30 every trading day, without personal holdings tracking. Questions you ask on Telegram get the same analysis quality as the full version. The "one loss avoided" math in this article mainly comes from the personalized morning briefing, P&L tracking and key price levels, which require a paid subscription.
Further reading
- Watching Stocks Yourself vs Stock Helper: 5 costly habits
- Stop-Loss Discipline: Use the Morning Briefing's Key Levels Before Losses Grow
- Don't chase: turn gut feel into price levels with RSI zones and support/resistance
- Read the morning briefing in 5 minutes before the open: US stocks, the SOX, the night session and your holdings
- Stock Helper pre-purchase FAQ
Stock Helper is not a licensed investment advisory service. Its AI analysis is for reference only and does not constitute investment advice of any kind. Investing involves risk; the decisions are yours to make.
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