Start with the balance in checking today. SalaryIQ fits bills into the right pay period, warns you before cash gets tight, and shows where every extra debt payment should go.
SalaryIQ is strongest when bills, paydays, debt, bonuses, and side income all run on different schedules.
Compares fixed payoff orders with avalanche, snowball, dynamic, and promo-aware strategies, then applies the winner to your real cash flow.
Bi-weekly paychecks meet monthly bills meet quarterly insurance. The math just works.
Plan one-time and irregular income in the budget, then estimate K-1 and capital-gain effects in the federal tax tool.
Override any paycheck for that one weird month. Side gigs, client wires, plasma donations — it all maps cleanly.
Punch in your bank balance, paychecks, and bills. See your debt-free date. Adjust the sliders. That's the workflow.
The paid app includes every planning surface. Public calculators stay free and require no account.
Start from what's in your account right now. Mark bills paid — even old ones — and the forecast re-plans from today. Spot the tight weeks before they hit you, up to 1,500 days out.
Compares fixed and adaptive strategies, including promo-rate changes. Tells you which payment to make from each paycheck.
Try the free debt avalanche calculator →Federal, FICA, 401(k), HSA, and post-tax deductions. Bi-weekly, semi-monthly, weekly, or monthly — whatever your employer does.
Estimate a paycheck free →Two jobs or one, married filing jointly — estimate Lines 4a, 4b, and 4c, then compare the projected result before updating your W-4.
W-2, 1099, K-1, RSU, capital gains, itemized vs standard. Built for planning and review; it does not e-file your return.
Estimate quarterly taxes free →Manual entry, by design. The math doesn't care if you typed it or scraped it from Plaid — and we don't want your credentials.
Paychecks, side income, one-time bonuses. Set the frequency and we'll project them across your selected planning horizon.
Bills, subscriptions, debts. APR, promo-rate expirations, due day, last-paid date. We track the schedule.
Debt-free date, paycheck-by-paycheck breakdown, EF tracker. Mark a bill paid and the forecast re-plans from your balance right now — auto-avalanche routes every spare dollar to the highest-APR debt.
No tiers. No upsells. No "Pro" plan that adds back the feature you actually need.
No. Manual entry, by design. We never see your credentials, and there's nothing to revoke if you cancel.
Cross-validated against real CPA-prepared returns for multiple filing years. Supports W-2, 1099, K-1, Schedule A/B/C/D/E plus QBI, AMT, NIIT, and Form 2210 underpayment penalty. It does not e-file and is not a substitute for a CPA on a complex return.
Yes. The trial is free for 14 days with no card. Cancel a paid plan from the Stripe customer portal; your account remains available until you choose to delete it.
Yes. Model vesting or distributions as one-time or recurring income in the budget, and enter K-1 or capital-gain details in the federal tax planner.
Set a base amount and override any individual paycheck. Useful for 1099 contractors, freelancers, side gigs — anything irregular.
SalaryIQ starts with today's balance, maps bills to specific paychecks, and routes projected spare cash through a debt strategy. Paycheck, W-4, and federal tax planners are included too.
Start with today's balance, your pay schedule, and your bills. SalaryIQ builds the plan from there.