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RealMoneyIQ
◆ personal finance · investing · retirement

Know your number,
long before you need it.

Model your path to financial independence, retirement and every big money decision — with United States rules and honest, transparent assumptions.

Browse all →
100% free·0 lead forms·runs in your browser
FIRE · time to independenceLIVE
Years to financial independence
20
reach your number at age 52
Annual savings$35,000
Expected real return5.0%
FIRE NUMBER
$1.5M
TODAY
$145K
Open full calculator →
77+
calculators
8
categories
3
countries live
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lead forms

Every money decision, modeled.

// from your first paycheck to your last withdrawal

10Paychecks & Income

Take-home pay, salary conversions, overtime, bonuses and raises.

14Taxes

Federal income tax, refunds, capital gains, self-employment and sales tax.

17Retirement

401(k), IRA, Roth, FIRE, Social Security and safe-withdrawal planning.

11Investing & Growth

Compound interest, future value, CAGR, dividends, inflation and net worth.

9Debt & Credit

Debt payoff, credit cards, consolidation, personal loans and DTI.

6Savings & Banking

Savings goals, high-yield savings, CDs, emergency fund and budgeting.

6Auto & Vehicle

Auto loans, affordability, lease vs buy, depreciation and EV savings.

4Student & Education

Student-loan payoff, refinancing and college-savings planning.

Featured · Cost of Living
Will your money go further in another city?

Compare two cities with your whole household — income, partner, kids, pets, housing, cars and insurance — and see the income you'd need to keep the same lifestyle after a move.

Compare cities →

Four new federal deductions — and how your state treats them.

// tips, overtime, seniors, car loan interest — federal deductions, 2025–2028

OBBBA Tax Savings Calculator
Run all four at once →

All four Working Families Tax Cuts in one flow — tips, overtime, seniors, car loan interest.

No Tax on Tips
How much of your tip income the new $25,000 deduction actually shelters in 2026.
No Tax on Overtime
Only the premium half of time-and-a-half is deductible — see what that's really worth.
Senior Deduction
The new $6,000 per-person deduction for taxpayers 65 and older, and its 6% phase-out.
Car Loan Interest
Up to $10,000 of interest on a US-assembled new car — if your loan and vehicle qualify.
State conformity
ColoradoconformsCaliforniadoes not conformTexasno income taxAll 50 states + DC →

Pick the version of early retirement you actually want.

// same engine, four definitions — plus the reference tables behind them

Coast FIRE
The point where you can stop saving entirely and still retire on time.
Barista FIRE
Part-time income plus a smaller portfolio — how much sooner you get out.
Lean FIRE
Financial independence on a deliberately small budget — and what it costs in margin.
Fat FIRE
Retire early without cutting your lifestyle — and see what the tax does to it.
Reference🗂️ OBBBA State Conformity Tracker📋 2026 Contribution LimitsThe original FIRE calculator →

Answers for where you live.

// local tax rules, not a national average

Paycheck Calculator by State
Take-home pay for all 50 states, with 2026 state tax built in.
Cost of Living by City
Is your salary good where you live? Compare 35 US metros.
OBBBA State Conformity Tracker
Which states tax tips and overtime after the federal deductions. All 50 + DC.
2026 Contribution Limits
401(k), IRA, Roth and HSA limits with the 60–63 super catch-up.
Popular states
California paycheckTexas paycheckFlorida paycheckNew York paycheckPennsylvania paycheckIllinois paycheckOhio paycheckGeorgia paycheckNorth Carolina paycheckMichigan paycheckAlabama paycheckAlaska paycheckArizona paycheckArkansas paycheckColorado paycheckConnecticut paycheckDelaware paycheckHawaii paycheckIdaho paycheckIndiana paycheckIowa paycheckKansas paycheckKentucky paycheckLouisiana paycheckMaine paycheckMaryland paycheckMassachusetts paycheckMinnesota paycheckMississippi paycheckMissouri paycheckMontana paycheckNebraska paycheckNevada paycheckNew Hampshire paycheckNew Jersey paycheckNew Mexico paycheckNorth Dakota paycheckOklahoma paycheckOregon paycheckRhode Island paycheckSouth Carolina paycheckSouth Dakota paycheckTennessee paycheckUtah paycheckVermont paycheckVirginia paycheckWashington paycheckWest Virginia paycheckWisconsin paycheckWyoming paycheckDistrict of Columbia paycheck

Should you actually do it?

// honest tradeoffs, tied to real numbers — not hot takes

IT DEPENDS
Pay off debt or invest?
Compare your interest rate against expected market returns — with the honest breakeven and when each wins.
USUALLY ROTH
Roth or Traditional — which retirement account?
A simple framework based on your tax bracket now versus in retirement, with the math laid out.
DO THE MATH
When can I actually retire?
Your savings rate matters far more than your income — here is why, with the numbers behind it.

Put our calculators on your site.

// free to embed, no API key, no sign-up, no tracking of your visitors — with a link back that keeps your readers yours

10 toolsFinancial Advisors

Retirement readiness, compounding and net-worth tools for the planning conversations clients remember.

10 toolsAccountants & Tax Pros

Federal, self-employment, quarterly and capital-gains estimators your clients search for all year.

10 toolsHR & Payroll Teams

Take-home, overtime, bonus and gross-up math that answers the questions employees actually ask HR.

11 toolsRetirement & FIRE Coaches

Every flavor of FIRE plus 401(k), Roth and safe-withdrawal tools for readers chasing independence.

10 toolsLoan Officers & Lenders

DTI, payoff, APR and loan-payment tools that keep borrowers qualifying on your page, not a competitor's.

12 toolsPersonal-Finance Creators

High-traffic, evergreen calculators across earning, saving, investing and debt — built to earn links.

See all embeddable calculators →

Built for savers, not salespeople.

// the money tool we wished existed

01
Current-year rules
2026 brackets, limits and rates for the US, Canada and India — kept current, with sources you can check.
02
Data stays local
Every calculation runs in your browser. Your numbers never leave your device.
03
Zero lead forms
No email, no phone, no bait-and-switch “get a personalized quote.”
04
Assumptions you control
Every rate and rule is transparent and editable. No black-box outputs.

Questions

Is RealMoneyIQ really free?+

Yes — every calculator is free with no sign-up and no email. We never gate results behind a lead form or “talk to an advisor” wall.

How accurate are the projections?+

Models use standard finance formulas and published rates, with assumptions you control. Real returns, taxes and sequence risk vary, so treat results as educated estimates — not guarantees.

Do you store my financial data?+

No. Every calculation runs entirely in your browser. Nothing you enter is sent to or stored on our servers.

Which countries are supported?+

The United States, Canada and India are live today, each with local account types, tax rules and currency. You’re currently viewing the United States site — switch regions any time from the header.

Is this financial advice?+

No. RealMoneyIQ is an educational tool. Always confirm decisions with a licensed financial professional who knows your full situation.