What IQMoneyPlanner is
IQMoneyPlanner is a free website of financial calculators for people in the United States. It covers 21 everyday money questions across mortgages and home buying, pay and salary, loans and debt, saving and investing, retirement, and simple pricing math. The goal is modest and specific: give people a fast, accurate estimate and enough explanation to understand it.
The site is not a bank, a lender, a broker or an advisor. It does not sell financial products, ask for account information or connect to your accounts.
Why it exists
Many online calculators return a single number and stop. That is fine until the number surprises you, or until you need to know what it includes. IQMoneyPlanner is built around a different idea: a result should come with its working. Every calculator page shows the formula, explains each input, walks through an example and says what the estimate leaves out. If you disagree with a number, you should be able to see why it came out that way.
How the calculators are built
Each calculator is a small program that runs in your web browser. Your inputs are processed on your own device and are not transmitted to a server by the calculators. The same calculation code is used to generate the example figures written into each page, so the worked examples you read match what the tool produces when you enter those numbers.
Before publication, results were checked against separate implementations of the same formulas written independently, across a set of test cases covering each calculator’s main modes and edge cases. Testing reduces the chance of errors but cannot eliminate it. If you find one, please report it.
The pages show numbers to the cent where that is meaningful, and they say so when an estimate is rounded or simplified. Where a calculation needs a judgment call, such as how mortgage insurance ends, the page explains the choice.
Where the reference data comes from
A few calculators rely on outside data, and each page names its source. Federal income tax brackets, standard deductions, payroll tax rules and retirement contribution limits follow published IRS figures for tax years 2024 to 2026. Historical prices in the inflation calculator use annual-average Consumer Price Index data for all urban consumers from the U.S. Bureau of Labor Statistics, from 1913 through 2025. State sales tax rates and the state income tax classifications used in the take-home pay calculator follow the Tax Foundation’s 2026 summaries. State income tax amounts for states with graduated brackets are simplified to one rounded rate, which the take-home pay page explains.
This reference data was last reviewed in September 2026. Tax law, rates and limits change, and a calculator can be out of date the day after a change. The disclaimer below each calculator and the financial disclaimer explain how to treat the results.
What the calculators cannot do
A calculator can only work with the numbers it is given and the rules it has been programmed with. It does not know your credit score, your employer’s payroll settings, your state’s exemptions, your lender’s fees or the way markets will behave. Real outcomes differ from estimates, sometimes a lot. Use the results to compare options, prepare questions and get oriented, then confirm important figures with the lender, employer, tax authority or licensed professional who can see your full situation.
Privacy and advertising
The site does not require an account, and calculator inputs stay in your browser. The contact form is the one place where you send information to the site on purpose. The Privacy Policy explains what is collected and how it is used.
IQMoneyPlanner is free to use. As of September 20, 2026 the site does not display advertising. The operator may show ads in the future to cover running costs, and the Advertising Disclosure explains how any advertising would be handled: ads would be clearly separated from calculator results, and they would not change what a calculator computes.
Corrections and feedback
If you spot a wrong figure, an outdated rule, a confusing explanation or a calculator you wish existed, use the contact page. Reports that include the inputs you used and the result you expected are the easiest to check. Confirmed errors are corrected on the affected page.
Explore the calculators
- Mortgage & Home: Estimate monthly housing costs, compare loan terms and see how much home your income supports.
- Income & Salary: Convert pay between hourly and salary, price overtime and estimate what lands in your bank account.
- Loans & Debt: Model payments, compare offers and build a plan to pay balances down faster.
- Savings & Investments: Project growth with regular deposits, compound interest and assumed investment returns.
- Retirement & Long-Term Planning: Project retirement savings and see how inflation changes what money can buy.
- Everyday Money & Pricing: Quick answers for percentages, tips, discounts, sales tax, margin and markup.