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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 Canada rules and honest, transparent assumptions.

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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 →
56+
calculators
6
categories
3
countries live
0
lead forms

Every money decision, modeled.

// from your first paycheck to your last withdrawal

10Income & Payroll

Take-home pay by province, salary, CPP, EI, overtime and bonuses.

10Taxes

Income tax by province, capital gains, GST/HST/PST and tax credits.

13Registered Accounts

TFSA, RRSP, FHSA, RESP, RRIF, CPP, OAS and retirement income.

6Government Benefits

Canada Child Benefit, EI, maternity/parental, severance and OAS clawback.

13Debt & Savings

Debt payoff, credit cards, savings goals, compound interest and budgeting.

4Auto & Vehicle

Car loans, lease vs buy, affordability and cost of ownership.

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 →

Answers for where you live.

// local tax rules, not a national average

Take-Home Pay by Province
Salary after tax for every province and territory.

Should you actually do it?

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

IT DEPENDS
RRSP or TFSA — which should you fill first?
It comes down to your tax bracket now versus in retirement — plus what you're actually saving for.
USE IT
Saving for a first home? Start with the FHSA
The First Home Savings Account combines the best of an RRSP and a TFSA — a deduction going in and tax-free growth coming out.

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.

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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 Canada 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.