About MoneyToolsHQ

MoneyToolsHQ helps you make smarter money decisions with fast, transparent calculators and guides. Our tools cover paycheck and tax withholding (US & UK), mortgages and home-buying, sales tax/VAT & import duty, cost-of-living and salary comparisons, and UK-first energy bill estimates (US coming soon).

Our mission

Put clear math behind everyday money choices—so you can decide with confidence in minutes, not hours.

What we build

Paycheck & Tax Withholding (US + UK): Net pay, PAYE, NI, FICA, and local taxes.
Mortgage & Home-Buying: Payment, affordability, APR, points, PMI/LTV, amortization.
Sales-Tax/VAT & Duty Finder: Retail tax by state/city; VAT and simple duty lookups.
Cost of Living & Salary Comparator: City-to-city expenses and pay parity.
Energy Bill & Tariff Estimator (UK-first): Unit rates, standing charges, usage tiers.

Each calculator shows assumptions and a link to our methodology.

How we work (methodology)

We use official thresholds and formulas (e.g., IRS, HMRC, ONS/BEIS, US state tax sites) and document them in our Methodology and Changelog pages. Every major tax-year update is reviewed before publication. When data changes mid-year, we note the effective date on the tool page.

Editorial standards

We prioritize primary sources, plain-English explanations, and clearly labeled updates/corrections. Tools are for information only and aren’t financial, tax, or legal advice.

How we make money

We fund our work through advertising (AdSense/AdX) and occasional sponsorships. Ads and sponsored content never influence our calculations or conclusions. Sponsored material is clearly labeled.

Accessibility & privacy

We aim for WCAG-compliant UX, fast load times, and respectful data practices. You can manage cookies any time via Cookie Settings. See our Privacy Policy for details.