Know exactly where you stand, in the business and at home.

Financial IQ keeps your company’s books every day, keeps a watch on your cash, and shows you what each decision does to your own tax, at the moment you decide rather than in a report three months later.

Personal is free forever. Autopilot keeps your business books from £99 a month plus VAT.

Everything feeds in
Bank feeds
Stripe
Shopify
GoCardless
Soldo
Your company
Your household
Before you take it
£18,000dividend

£4,700 of it lands in the upper rate, and it adds £3,056 to your tax. You see that before you declare it.

Connected, not siloed

You don’t have a business life and a personal life. You have one financial life.

Take a dividend in Business and Personal already knows what it did to your tax band. Nothing to export. Nothing to re-key. Nothing that quietly disagrees with itself.

Business
Northgate Digital Ltd
Dividend declared
£18,000
Posted to the DLA · 12 Sep 2026
Distributable reserves after£64,210
Corporation tax provision£28,643
Instantly reflected
Personal
Tax year 2026/27
Your income tax, revised
£7,936+£3,056
£4,700 of this dividend lands in the upper rate.
Where the dividend lands
£500 dividend allowance£0
£12,800 at 10.75%£1,376
£4,700 at 35.75%£1,680
Business · Autopilot

The bookkeeping is done before you open it.

Autopilot categorises and posts every day as the feeds come in. The handful of payments it is not certain about are the only ones it asks you about, so most mornings there is nothing to do at all.

  • Every match shows what it matched on, and can be undone.
  • Anything it cannot place waits for you, outside your profit and loss.
See how it works
Bank reconciliation
142 auto-applied · 3 to review · 1 held (no confident match)
Kingsway Media Ltd
INV-2041 · Amount matches exactly · Document number appears in the bank reference
£4,800.00
Harbour & Co Ltd
INV-2039 · Amount matches exactly · Customer name in the bank narrative
£2,150.00
HANOVER & CO 0918
£1,150.00
Two open invoices could be this. I am not going to pick for you.
INV-2038INV-2044Neither
Stripe payout
Split across 6 invoices, fees separated
£7,412.60
Truth before theatre
Four things it wasn't sure about. It says so, rather than filing them quietly.
Business · Cashflow

Your cash line sits at the centre of everything.

Businesses rarely fail for lack of profit. They fail when the cash runs out, so every invoice, bill, tax bill and salary feeds a forecast that names your lowest point and answers before you take money out.

  • Six weeks to twelve months ahead, with the range it could land in.
  • Ask whether you can take money out and get a straight answer.
More about this
Cashflow
What is expected to happen to your bank balance, and what to do about it.
LineCommitmentsPlansAccuracy
Lowest point
£118,300 on 7 November
● Above your £40,000 buffer
£0k£50k£100k£150k£200kYour £40,000 bufferToday7 Nov22 Dec

Lowest point £118,300 on 7 November, after VAT leaves. In 9 of 10 futures you stay above £40,000 on that date.

What moves it
Retainer invoices
1 Nov · 4 customers
+£16,800
Harbour & Co
14 Oct · INV-0249
+£6,240
VAT to HMRC
7 Nov · Jul to Sep
−£18,426
Everyday spending
Estimated from the last six months
−£9,800/mo
Can I take money out?
Can I take £20,000?

Yes. You stay above your £40,000 buffer, with the lowest point at £98,300 on 7 November.

Personal · Forecasting

Built for income that doesn't arrive on the 28th.

Most money apps assume a salary. If yours is project fees, dividends, rent and a part-time wage, they quietly break. This one was designed for that from the start.

  • A tax pot you can see, worked from its real balance.
  • Salary, dividends and rent are modelled together, not bolted on.
See how it works
Balance forecast · 6 weeks
£1,240safe to spend
What is left of your take-home after £1,129 of committed bills.
today
Shaded is the range your money could land in, from how your own bills and income have actually behaved.
Honest uncertainty
A range, said plainly: in 9 of 10 futures you stay above a figure it names, on a date it names.
Coming soon

Ask Q about your money and get answers from your own figures, with the working shown.

Q is arriving on Personal soon. It reads your accounts, bills, goals and tax position, and anything that would change your records waits for you to say yes.

Email me when Q arrives
Education through use

The lesson arrives at the decision.

It isn’t a course you’ll never finish, or a tooltip you’ll dismiss. The explanation shows up in the two seconds before you commit to something, which is the only moment it was ever going to change anything.

VAT return · Quarter to 31 Aug 2026
ReviewConfirmSubmit
Submit to HMRC
Box 1VAT due on sales£17,386.42

The VAT you charged your customers this quarter.

Box 2VAT due on EU acquisitions£0.00
Box 3Total VAT due£17,386.42
Box 4VAT reclaimed on purchases£4,118.90
Box 5Net VAT to pay£13,267.52
Box 6Total sales, excluding VAT£86,932
Box 7Total purchases, excluding VAT£20,595
Box 8Supplies of goods to the EU£0
Box 9Acquisitions of goods from the EU£0
1
Connect the accounts

Open banking for personal and business, in the same sitting. Read-only. Nothing moves without you.

2
Let it sort the backlog

Categories, matches and tax positions proposed from your last 24 months. You confirm the handful it is unsure about.

3
Start understanding it

From then on the numbers explain themselves, and the routine filing stops being an event.

Two apps and an API. One ledger.

Start with the business or with your own money, and the other already knows.

Personal
Free forever, for you and your household.

What is safe to spend, your live tax position across salary, dividends and rent, and when you will be clear of debt.

  • A 13-week cash forecast with the tight weeks named
  • Debt, goals, budgets and net worth
  • Add a bank feed or your own AI when you want them
See Personal
Business
Bookkeeping done every day, VAT and year-end filed.

Autopilot keeps the books every day and files your VAT and year-end, with your cash forecast at the centre. Or keep the books yourself on Business Pro.

  • An owner view with none of the plumbing
  • Documents, payroll and credit control built in
  • VAT returns filed to HMRC
See Business
API
The same ledger, open to your own software.

One key, scoped to a single company or personal account. Everything the apps do, available to what you build, and to the agents you trust with it.

  • Draft, issue, approve and send are separate calls, and sending needs an approval on record
  • Idempotency keys on every write, and a full sandbox
Agent ready
$ curl api.financialiq.co.uk/v1/agent/mcp
  -H "x-api-key: $KEY"

An MCP endpoint so Claude and other agents can read the books and prepare work, without the power to send it.

The reasonable objections.

If yours isn't here, ask us. We would rather answer it than have you find out later.

No. We think the routine cycle should be yours: bookkeeping, reconciliation, VAT, basic year-end. Structuring, complex planning and audit are still worth paying a good accountant for. The point is that it becomes a choice.

Start understanding your money instead of just reading it.

Personal is free. Business plans start at £19 a month.