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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 India 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
₹15 L
TODAY
₹1.45 L
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58+
calculators
6
categories
3
countries live
0
lead forms

Every money decision, modeled.

// from your first paycheck to your last withdrawal

10Investing & Mutual Funds

SIP, step-up SIP, lumpsum, SWP, XIRR, ELSS and compounding.

14Income Tax

Old vs new regime, take-home / CTC, HRA, capital gains, 80C, TDS.

13Small-Savings Schemes

PPF, EPF, NPS, FD, RD, SSY, NSC, SCSS and KVP.

10Loans & EMI

Personal, car, two-wheeler, education, gold and business loan EMIs.

4GST & Business

GST add/remove, reverse GST, freelancer tax (44ADA) and margins.

7Goal Planning

Retirement corpus, child education, wedding, inflation and net worth.

Answers for where you live.

// local tax rules, not a national average

Personal Loan EMI by Bank
SBI, HDFC, ICICI, Axis and more — indicative rates you can adjust.
FD Calculator by Bank
Fixed-deposit maturity across major Indian banks.

Should you actually do it?

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

USUALLY NEW
Old vs new tax regime — which should you pick?
The new regime is now the default and wins for most people — but the old regime still pays off if you claim big deductions.
GOALS FIRST
PPF vs ELSS vs FD — where should your money go?
All three save tax under 80C, but they suit completely different goals, timelines and risk appetites.

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 India 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.