Understand Your Money. Control Your Future.
Most finance apps show you numbers. Financial IQ helps you understand what they mean, why they matter, and what to do next. Education and tools, together.
Read-only bank connections
Open Banking feeds are read-only. We can see your transactions but never move your money.
Encrypted at every layer
All data encrypted in transit and at rest. Your financial information stays yours.
Built for the UK
UK tax years, HMRC compliance, GBP-first. Designed around how UK finances actually work.
Education first, always
We teach the options and let you decide. No prescriptive advice, no judgement, no jargon.
Finance apps give you data. You need understanding.
Knowing your balance is £4,230 means nothing without knowing whether that is good, how it compares to last month, and whether you are on track for your goals. Financial IQ gives you every number with the context to make it useful.
Your balance
"You have £4,230 available"
What it means
"That is £800 more than last month"
Why it matters
"At this rate, you will reach your house deposit by September"
How it works
"Your savings grow faster over time because you earn interest on your interest"
Every screen in Financial IQ works this way. You never just see a number: you see what it means, why it matters, and what to do about it.
Tools that work the way you think about money
Not a spreadsheet with a login screen. Financial IQ auto-categorises your spending, forecasts your cashflow, and explains everything as you go, so managing money feels effortless instead of like homework.
Will You Make It to Payday?
See your projected balance for the next 30 days, with every bill and income already factored in. No more guessing.
Goals That Track Themselves
House deposit, emergency fund, holiday. Set a target and watch your progress update automatically as your money moves.
Never Be Surprised by a Tax Bill
Real-time self-assessment estimates that update as your income changes. Know exactly how much to set aside each month.
Manage Money as a Couple
See shared expenses and joint goals together, while keeping your own spending private. Finally, one financial picture for your household.
Your Complete Financial Picture
Bank accounts, investments, pensions, ISAs, property, and debts in one view. See your actual net worth, not just your bank balance.
See the Future Before You Decide
What if you paid off the credit card first? What if you increased pension contributions by 2%? Model the impact before you commit.
Learn, manage, and grow. All in one place.
Your personal finances, business finances, and financial education are not separate problems. Financial IQ is the first platform to treat them as one connected financial life.
Learn
Free articles, guides, and calculators that actually make sense. No jargon, no waffle. From budgeting basics to property tax changes, everything is explained in plain English.
Browse articlesPersonal
Know where your money goes, whether you are on track, and what to do next. Budget your way, track your goals, forecast your cashflow, and manage money as a couple or a household.
Explore FIQ PersonalCorporate
Run your company's books yourself, without the stress. Invoicing, VAT, and tax handled so clearly that you only need an accountant when it genuinely matters. Connected to your personal finances.
Explore FIQ CorporateSee, Understand, Act
Every feature follows the same idea: show you what is happening, help you understand why it matters, then make it easy to take action.
1. See
Connect your bank and see everything in one place: balances, bills, income, and spending. No spreadsheets, no manual entry.
2. Understand
Your rent went up £50? We show you it now takes 32% of your take-home pay and your savings goal moves back two months. Every number gets context, in plain English.
3. Act
Adjust your budget, pick a debt payoff strategy, or model what happens if you increase your pension contributions. Then do it, right there.
Financial education that is actually useful
No jargon, no waffle. Practical guides written in plain English, always free.
Salary vs Dividends: Which Is Right for Your Limited Company?
Understanding the most tax-efficient way to pay yourself as a company director in the UK.
8 min read
BudgetingThe 50/30/20 Rule: A Simple Framework for Your Money
How to split your income between needs, wants, and savings using this proven budgeting method.
6 min read
DebtDebt Snowball vs Avalanche: Which Strategy Wins?
Two proven methods to pay off debt faster. We compare the maths and the psychology.
7 min read
PropertySection 24 Explained: Tax Relief Changes for Landlords
What every buy-to-let landlord needs to know about mortgage interest tax relief restrictions.
10 min read
Build with the Founding Creator Cohort
We are onboarding founding creator partners in phased cohorts. Help shape a platform where your audience can learn, act, and track results in one place.
Tax Creator Track
Tax and Compliance
Build practical UK tax pathways inside Financial IQ and help users move from understanding to action.
Applications open for founding partners
Debt Creator Track
Debt and Budgeting
Design strategy-led debt and budgeting journeys that plug straight into real tools.
Applications open for founding partners
Property Creator Track
Property and Investing
Launch property-focused learning tracks with transparent, UK-first financial guidance.
Applications open for founding partners
No prescriptions. No judgement.
There is no single right way to budget, save, or pay off debt. Snowball or avalanche? 50/30/20 or zero-based? Aggressive saving or balanced spending? We show you the trade-offs and let you choose what fits your life. No "right answer". Just yours.
We will never tell you that your coffee habit is why you are not rich. We show you exactly where your money goes, what it costs over time, and let you decide what matters to you.
Start understanding your money today
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New features, practical guides, and rollout milestones from the Financial IQ team.