earmarkIQ connects to your bank, analyses every pound you spend, and tells you exactly how to split your paycheck — so your money works before you touch it.
No spreadsheets. No budgeting apps you'll abandon. Connect and let earmarkIQ do the thinking.
Link your bank through Open Banking — Monzo, Starling, Barclays, HSBC and 50+ more. Secure access via Open Banking — we never see your password. Takes under 30 seconds.
Our AI analyses months of spending data and builds your complete financial profile — your money personality, spending rhythm, danger zones, and quick wins. All in under 2 minutes.
Track goals, catch subscription price creep, get weekly insights, and ask your AI advisor anything about your finances. Your money on autopilot.
earmarkIQ categorises every transaction automatically and runs a 7-type anomaly scanner in the background — catching spending spikes, new recurring charges, dormant accounts, duplicate services, lifestyle inflation, unusual merchants, and payday overspend. Get a weekly briefing, daily insights, and a financial health score. Compare the best UK budgeting apps →
Tracks every subscription and recurring bill. Flags price increases the moment they happen, spots duplicate charges, and alerts you before contracts renew. Read our complete UK subscription tracking guide →
When you get paid, earmarkIQ splits your salary into bills, savings, investments, and guilt-free spending — then actually moves the money for you via Open Banking Payment Initiation. The AI adapts to your spending patterns, upcoming bills, and financial goals. See how to budget your salary in the UK →
Ask IQ has persistent memory, remembers every conversation, and knows your transactions, bills, and goals. Ask "Can I afford a holiday?" or "How can I save £200 this month?" and get specific, actionable answers from 12+ agentic tools — not generic advice.
House deposit, emergency fund, holiday, debt payoff — earmarkIQ tracks your progress and suggests how to get there faster with AI-powered budget recommendations that learn from your spending.
earmarkIQ analyses your spending and recommends financial products that genuinely save you money — better savings rates, cheaper energy, smarter investments. Every recommendation explains WHY it's right for you, based on your data.
Everything you need to plan your financial future — from modelling a salary raise to mapping your fastest route out of debt. All powered by your real spending data.
Invite your partner and get a combined view of your finances. Shared budgets, joint goals, split bills — all while keeping your personal accounts private. How couples manage money together →
Earn XP for every positive financial action — checking your spending, completing challenges, taking quizzes, hitting savings goals. Level up, maintain streaks, and get a Wrapped-style monthly recap of your financial highlights.
Join UK professionals already on the waitlist — be first when earmarkIQ launches.
Join the WaitlistStart free. Upgrade when you're ready.
earmarkIQ uses the same Open Banking infrastructure trusted by millions of UK bank customers.
Face ID and Touch ID keep your data behind your face or fingerprint.
Open Banking through Finexer Ltd (firm ref 925695).
All data encrypted in transit and at rest — bank-level standard.
Read your accounts securely via AIS. Move money between your own accounts via PIS — only with your explicit consent each time.
App locks after 2 minutes of inactivity and when backgrounded.
Delete your account and all data at any time from Settings.
Open Banking × AI × Affiliate commerce — a high-margin, data-driven fintech with multiple revenue streams.
Join the waitlist and be first to know when earmarkIQ launches. Early members get lifetime premium access.
No spam. We'll only email you about launch updates.