# RealMoneyIQ > Free personal-finance, investing, retirement and tax calculators for real money decisions — with local rules for the US, Canada and India. No lead forms, runs in your browser. RealMoneyIQ is a free personal-finance calculator platform. Every calculator runs entirely in your browser — no accounts, no lead forms, and none of your numbers ever leave your device. Rates and tax rules are researched against primary sources (IRS, CRA, RBI, SEBI/AMFI, the Income Tax Department) and dated; results are estimates, not financial advice. It is the personal-finance sibling of RealCostIQ (https://realcostiq.com), which covers home and property costs. Full machine-readable index: https://realmoneyiq.com/llms-full.txt Sitemap: https://realmoneyiq.com/sitemap.xml ## Key Pages - [Home](https://realmoneyiq.com/): all US calculators and categories - [Methodology](https://realmoneyiq.com/methodology/): how rates are sourced and results computed - [About](https://realmoneyiq.com/about/): who we are and our editorial process - [Editorial Standards](https://realmoneyiq.com/editorial-standards/): sourcing rules, review cadence, bylines and corrections policy - [Guides](https://realmoneyiq.com/guides/): plain-English explainers - [Embed](https://realmoneyiq.com/embed/): put any calculator on your own site, free, no API key - [Contact](https://realmoneyiq.com/contact/): corrections and questions ## Reference Tables - [OBBBA State Conformity Tracker](https://realmoneyiq.com/obbba-state-conformity/): Which states tax tips and overtime after the federal deductions. All 50 + DC. - [2026 Contribution Limits](https://realmoneyiq.com/retirement/2026-contribution-limits/): 401(k), IRA, Roth and HSA limits with the 60–63 super catch-up. ## 🇺🇸 United States (USD, 2026 tax year) 77 calculators across 8 categories. - [Paychecks & Income](https://realmoneyiq.com/income/): Take-home pay, salary conversions, overtime, bonuses and raises. - [Taxes](https://realmoneyiq.com/taxes/): Federal income tax, refunds, capital gains, self-employment and sales tax. - [Retirement](https://realmoneyiq.com/retirement/): 401(k), IRA, Roth, FIRE, Social Security and safe-withdrawal planning. - [Investing & Growth](https://realmoneyiq.com/investing/): Compound interest, future value, CAGR, dividends, inflation and net worth. - [Debt & Credit](https://realmoneyiq.com/debt/): Debt payoff, credit cards, consolidation, personal loans and DTI. - [Savings & Banking](https://realmoneyiq.com/savings/): Savings goals, high-yield savings, CDs, emergency fund and budgeting. - [Auto & Vehicle](https://realmoneyiq.com/auto/): Auto loans, affordability, lease vs buy, depreciation and EV savings. - [Student & Education](https://realmoneyiq.com/student/): Student-loan payoff, refinancing and college-savings planning. - [Paycheck Calculator by State](https://realmoneyiq.com/paycheck-calculator/): Take-home pay for all 50 states, with 2026 state tax built in. - [Cost of Living by City](https://realmoneyiq.com/cost-of-living/): Is your salary good where you live? Compare 35 US metros. - [OBBBA State Conformity Tracker](https://realmoneyiq.com/obbba-state-conformity/): Which states tax tips and overtime after the federal deductions. All 50 + DC. - [2026 Contribution Limits](https://realmoneyiq.com/retirement/2026-contribution-limits/): 401(k), IRA, Roth and HSA limits with the 60–63 super catch-up. - [Compare Paycheck by State](https://realmoneyiq.com/paycheck-calculator/compare/): Take-home pay for the same salary in two states, side by side. - [Compare Cost of Living](https://realmoneyiq.com/cost-of-living/compare/): What a salary in one US metro is worth in another. ## 🇮🇳 India (INR, FY 2026-27) 58 calculators across 6 categories. - [Investing & Mutual Funds](https://realmoneyiq.com/in/investing/): SIP, step-up SIP, lumpsum, SWP, XIRR, ELSS and compounding. - [Income Tax](https://realmoneyiq.com/in/tax/): Old vs new regime, take-home / CTC, HRA, capital gains, 80C, TDS. - [Small-Savings Schemes](https://realmoneyiq.com/in/schemes/): PPF, EPF, NPS, FD, RD, SSY, NSC, SCSS and KVP. - [Loans & EMI](https://realmoneyiq.com/in/loans/): Personal, car, two-wheeler, education, gold and business loan EMIs. - [GST & Business](https://realmoneyiq.com/in/gst/): GST add/remove, reverse GST, freelancer tax (44ADA) and margins. - [Goal Planning](https://realmoneyiq.com/in/planning/): Retirement corpus, child education, wedding, inflation and net worth. - [Personal Loan EMI by Bank](https://realmoneyiq.com/in/personal-loan/): SBI, HDFC, ICICI, Axis and more — indicative rates you can adjust. - [FD Calculator by Bank](https://realmoneyiq.com/in/fixed-deposit/): Fixed-deposit maturity across major Indian banks. ## 🇨🇦 Canada (CAD, 2026 tax year) 56 calculators across 6 categories. - [Income & Payroll](https://realmoneyiq.com/ca/income/): Take-home pay by province, salary, CPP, EI, overtime and bonuses. - [Taxes](https://realmoneyiq.com/ca/tax/): Income tax by province, capital gains, GST/HST/PST and tax credits. - [Registered Accounts](https://realmoneyiq.com/ca/registered/): TFSA, RRSP, FHSA, RESP, RRIF, CPP, OAS and retirement income. - [Government Benefits](https://realmoneyiq.com/ca/benefits/): Canada Child Benefit, EI, maternity/parental, severance and OAS clawback. - [Debt & Savings](https://realmoneyiq.com/ca/debt/): Debt payoff, credit cards, savings goals, compound interest and budgeting. - [Auto & Vehicle](https://realmoneyiq.com/ca/auto/): Car loans, lease vs buy, affordability and cost of ownership. - [Take-Home Pay by Province](https://realmoneyiq.com/ca/take-home-pay/): Salary after tax for every province and territory.