See where your
money really goes.
You make money. Bills take some. IPA shows you how much is left, and helps you decide what to do with it. Simple words. No guessing.
The example uses made-up families. You don't need an account to look.
Three easy steps
Tell us what you make and pay
Type in the money you make each month. Then add your bills, like rent and food.
See your $100
We turn every $100 you make into 100 squares. The colors show where each dollar goes.
Choose what to do with the rest
Pick goals, like a car or a trip. We show how long each one will take.
What works today
- A money calculator that saves your numbers
- Your $100, showing what bills take and what's left
- Goals, and how long each will take
- A plan to share a little with your neighborhood (no money moves)
- Wallets that only you control, with names you pick
- Sending money between them, and to people you know
Practice money only for now, on a test network. Not a bank account. No real money yet.
- The IPA Premium Card
- Adding money and taking it out to your bank
In development and subject to partner approval and launch readiness. Not available, and no date is set.
About IPA
Intelligent Payment Application Incorporated is building toward everyday money decisions that are easier to understand. The first step is education — showing people the math on their own numbers, without ranking anything or recommending products. The next steps are connected payment tools, built with qualified service partners.
Nothing in the calculator moves money, and nothing on this site offers a return.
Stay informed
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The calculator provides educational estimates based on the information you enter. It does not provide investment, tax, insurance or legal advice, and it does not recommend specific products or securities.