Your Finances. Your Way. Finally Understood.
Finally know whether you are on track. Budget your way, see where your money goes, and understand what to do next. No spreadsheets, no guesswork.
Premium is £7.99/month or £79/year.
Free tier available forever. No credit card required.
Everything You Need, One Screen
Open the app and instantly know where you stand: net worth, debt progress, budget, and goals, all updated automatically.
Dashboard
Net worth
£84,200
Debt plan
31 months left
Budget split
Goals and Forecast
Emergency fund
£7,500 / £10,000
30-day forecast
+£540 projected
Everything You Need to Manage Your Money
Flexible tools that adapt to how you think about money. Use one approach or combine several. Financial IQ works the way you do, not the other way around.
Budget Your Way
Whether you prefer 50/30/20, zero-based, envelope, or something entirely custom, Financial IQ adapts to your approach instead of forcing its own.
See Your True Net Worth
Bank accounts, investments, property, pensions, and debts in one place. Watch your wealth grow over time and know exactly where you stand.
Get Out of Debt Faster
Pick a strategy that suits you: snowball, avalanche, or custom. See your payoff date, how much interest you will save, and celebrate milestones along the way.
Know When You Will Get There
Set a goal, a target date, and an amount. We project when you will hit it based on your actual saving rate, updated automatically as your money moves.
Never Be Caught Out by Tax
We estimate what you owe across self-assessment, NI, and dividends, and tell you exactly how much to set aside each month. No January surprises.
Manage Money Together
See shared expenses and joint goals with your partner, while keeping your own spending private. One household, two perspectives.
Track Every Property
See how each property is really performing: rental income, expenses, mortgage equity, and the actual tax impact of recent landlord tax changes.
See What Is Coming
Will you make it to payday? See your projected balance for the next 30 days with every bill and income factored in. Plan ahead with confidence.
Learn With Creator-Led Finance Pathways
Follow practical pathways inside the app and apply each step using your real data. Founding creator programmes are being onboarded in phased cohorts.
- Guided pathways that connect education directly to your budgeting and planning tools
- Founding creator programmes launching in phased cohorts
- Clear progress tracking so you can see what you have completed and what comes next
- Practical lessons designed for UK money decisions, not generic theory
Debt Strategy Lab
by FIQ Founding Cohort (preview) · 6 modules
Budget Reset Sprint
by FIQ Founding Cohort (preview) · 8 modules
Property Cashflow Essentials
by FIQ Founding Cohort (preview) · 5 modules
Preview of pathway formats launching with founding creator cohorts
Free and Premium
Start free with tools that actually work. Upgrade when you want more depth.
Run a business?
FIQ Corporate handles bookkeeping, VAT, and tax workflows. Corporate subscriptions include Personal, and linked accounts can flow salary, dividend, and company-value context into your personal planning view. One financial life, connected.
Take Control of Your Finances
Start with the free tier. Build habits. Upgrade when you are ready.
No credit card required. Free tier available forever.
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Module launches, pricing updates, and practical guides from the team.