earmarkIQ connects to your UK banks (read-only) and gives you a money coach with full context — your spending, subscriptions, bills and goals — that shows you exactly how to split every paycheck. Your numbers, not generic tips.
Three steps to financial clarity. Two minutes to set up.
No spreadsheets. No budgeting apps you'll abandon. Connect and let earmarkIQ do the thinking.
01
Connect in Seconds
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.
02
Get Your AI Profile
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.
03
Watch Your Money Work
Track goals, catch subscription price creep, get weekly insights, and ask your AI money coach anything about your finances. Your whole financial picture, always up to date.
£528/yr
wasted on forgotten subscriptions by the average UK household
2 min
from download to your full AI financial profile
43%
of UK workers live paycheck to paycheck
10
pro financial tools, zero spreadsheets
"The average UK household wastes £528/year on forgotten subscriptions"
— Money Advice Service
"UK adults check their bank app 16 times per week"
— Visa UK
"43% of UK workers live paycheck to paycheck"
— PwC UK
Spending Analysis
See where every pound actually goes.
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 →
Spending by category with expandable transaction lists
Payday spike detection — how much more you spend after payday
Weekend vs weekday spending comparison
7-type anomaly scanner running continuously in the background
Subscription Radar
Catch price creeps before they cost you.
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 →
Price increase alerts with old vs new amount and annual impact
Duplicate charge detection
Daily habit tracking (coffees, lunches) with estimated monthly cost
The average UK household wastes £528/year on forgotten subscriptions.
AI Allocation
Your paycheck, optimised by AI.
When you get paid, earmarkIQ builds your salary split — bills, savings, investments, and guilt-free spending — and shows you exactly what to do with every pound. Today the split is planned virtually; payment initiation, so the app can make the transfers for you, is planned to follow. See how to budget your salary in the UK →
Visual donut chart with free-to-spend amount in the centre
Payday countdown with allocation reminders
Virtual allocation today — payment initiation planned, not yet available
Bank access is read-only today — earmarkIQ cannot move your money
AI Money Coach
Ask anything about your money. Get real answers.
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, data-backed answers from 12+ agentic tools — not generic tips.
Persistent memory across conversations with full transaction context
12+ agentic tools: spending lookup, budget check, goal progress, tax estimate, and more
Exportable AI reports as branded PDFs
30 free messages/month — up to 500/month on premium plans
Goal Tracking
Set it. Track it. Hit it.
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.
6 preset goal types with progress bars and deadlines
AI budget suggestions based on 3 months of spending data
Partner goals with shared tracking and split contributions
Milestone celebrations with shareable progress cards
Plan
10 financial tools, zero spreadsheets.
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. Net worth pulls in your accounts, investments, debts and property equity.
🔮
What-If Simulator
Model salary changes, new expenses, investment returns — monthly, annual, and 5-year projections
💳
Debt Payoff Planner
Avalanche vs Snowball with debt-free date
🧾
Tax Optimiser
Full UK tax suite: income tax bands, NI, pension optimiser, ISA tracker, student loan, salary sacrifice, marriage allowance
💰
Raise Calculator
Exact take-home after a salary increase
📈
Net Worth Tracker
Assets, debts, mortgage equity, LTV ratio, and trend chart
📊
Investment Calculator
Project growth with compound interest
🎯
Risk Profile Quiz
6 questions to find your investor profile
🔍
Subscription Audit
AI-detected overlaps and cancellations
🛡️
Bill Health Check
Compare utilities and insurance deals
🧠
Financial Quizzes
Learn and earn XP
Partner Finance
Manage money as a couple.
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 →
Invite via unique partner code
Combined spending view with household toggle
Shared budgets and joint goals with split tracking
Gamification
Get rewarded for smart money moves.
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.
XP for actions: AI chat, categorise spending, complete challenges, take quizzes
Named levels with progress bars (Saver, Builder, Strategist...)
Weekly spending streaks with milestones
Monthly & Annual Recap — swipeable summary cards with spending personality, top categories, shareable highlights
2
Level 2 — Saver
+30 XP this week
190 / 300 XPLevel 3
🔥5 day streak2 to milestone
🚫 No-Spend Days
+15 XP
🍳 Cook More, Spend Less
+20 XP
☕ Home Barista Week
+30 XP
Ready to take control of your money?
earmarkIQ is free on the App Store — download it and connect your bank in under two minutes.
Your home is most of your net worth. Track it like it counts.
Add your address and earmarkIQ keeps a running estimate of what your property is worth, moved each month by the official UK House Price Index. Put your mortgage balance in alongside it and your equity — value minus what you still owe — feeds straight into your net worth, without you touching a spreadsheet again.
01
Add your address
Search for your property and confirm it, then tell earmarkIQ what you paid and when. That purchase price is the starting point for everything that follows.
02
The estimate updates monthly
earmarkIQ takes the House Price Index movement for your local authority since the month you bought, and applies it to your purchase price. When HM Land Registry publishes the next monthly index, your figure moves with it.
03
Enter your mortgage balance
Add what is still outstanding on the mortgage and earmarkIQ works out your equity and your loan-to-value, so you can see the debt shrinking against the asset.
04
Equity flows into net worth
Property equity sits beside your current accounts, savings, investments and debts in a single net worth figure that keeps itself current. No monthly re-entry, no guessing.
This is an estimate, not a valuation
earmarkIQ applies published index movement to the price you paid. Nobody visits your property, and the figure is not a surveyor's valuation, a lender's valuation or an estate agent's appraisal. Extensions, condition and the particulars of your street are not in it. If you have a number you trust more, you can override the estimate with your own figure at any time and earmarkIQ will use that instead.
What Pro adds
Every tier gets the local-authority House Price Index estimate described above. Pro adds an address-level market valuation — a figure calculated for your specific property rather than for the whole local authority it sits in.
Example figures shown for illustration. Your own estimate tracks the House Price Index for your local authority and can be replaced with a valuation you hold.
earmarkIQ Context — live
Ask your own AI assistant about your own money.
earmarkIQ Context is a read-only MCP server. Connect it to Claude — verified — or any MCP-capable assistant, and it can answer from your actual accounts instead of general knowledge. It can read. It cannot act. Not because we have promised not to, but because no capability to act exists inside it.
1
The permission it runs on is a reading permission
earmarkIQ connects to your bank under Account Information Services through Finexer Ltd (FRN 925695). AIS cannot construct a payment instruction, so there is nothing to reach even before Context is involved.
2
Context publishes reads only
An MCP server exposes a list of operations and an assistant can invoke what is on it, nothing else. Ours contains read operations and no others — there is no mutating call to trigger, or to be argued into.
3
A test fails the build if that ever changes
Guarantees erode through changes that seemed reasonable at the time. So it is enforced in the build: adding any mutating capability breaks it, visibly, and someone has to consciously delete the test to proceed.
Audited and revocable
Every access through Context is recorded, so “we would never” can be replaced with a record of what actually happened. You can revoke the connection yourself from your earmarkIQ account at any moment — immediately, without contacting anyone, and without affecting your bank connections or the app.
“Given what I usually spend, is a £900 holiday in March realistic?”
✓Reads accounts, categorised spending, subscriptions, net worth and property equity, and your payday plan
✗Cannot move money, make a payment, cancel anything or change a setting
✗Cannot see your banking credentials — nobody can, including us
Claude is verified. Other MCP-capable assistants connect the same way, though we have not verified each one individually. earmarkIQ does not initiate payments — payment initiation is within our permissions and on the roadmap, but it is not enabled.
One subscription covers both web and iOS — pay once, use earmarkIQ everywhere. Bank accounts are connected in the iOS app; the web is view-only for now.
Security & Trust
Your money data is sacred. We treat it that way.
earmarkIQ uses the same Open Banking infrastructure trusted by millions of UK bank customers.
Biometric Authentication
Face ID and Touch ID keep your data behind your face or fingerprint.
FCA Appointed Representative
earmarkIQ is an Appointed Representative of Finexer Ltd (FRN 925695), which is authorised and regulated by the FCA. Open Banking connections run through Finexer.
256-bit Encryption
All data encrypted in transit and at rest — bank-level standard.
Read-Only Open Banking
Your accounts are read via AIS only. earmarkIQ cannot move money, make payments, or change anything on your accounts.
Auto-Lock
App locks after 2 minutes of inactivity and when backgrounded.
Your Data, Your Control
Delete your account and all data at any time from Settings.
For financial planning firms
Client expenditure your cashflow models can trust.
Most expenditure figures in cashflow plans start as a client's guess in a spreadsheet. earmarkIQ replaces the guesswork with client-consented Open Banking data, categorised automatically and exportable into the modelling tools your firm already uses.
