About RealMoneyIQ
The money tool we wished existed — free calculators for real financial decisions, with no lead forms and nothing to sell.
RealMoneyIQ is a free library of personal-finance, investing, retirement and tax calculators. It is the money sibling of RealCostIQ, which covers the cost of owning and maintaining a home. RealCostIQ answers “what does this property cost”; RealMoneyIQ answers “what should I do with my money.”
What makes us different
- Nothing to sell. No sponsored funds and no “recommended advisor” kickbacks — the recommendation is always just the math.
- No lead forms. You never hand over an email or phone number to see a result.
- Your data stays local. Every calculation runs in your browser. Nothing you type is sent to or stored on our servers.
- Assumptions you control. Every rate and rule is transparent and editable — no black-box outputs.
Three markets, local rules
Personal finance is intensely local. RealMoneyIQ is built for the United States, Canada and India from the ground up — with the right tax brackets, contribution limits, account types and currency for each. We update rates as governments publish them and label every calculator with the tax year or financial year it reflects.
Not financial advice
RealMoneyIQ is an educational tool. Our calculators use standard finance formulas and publicly published rates, but they cannot know your full situation. Always confirm important decisions with a licensed professional. See our methodology for how we build and source each model.