earmarkIQ is a live UK Open Banking app that categorises real client spending automatically — including property valuation inside net worth. The adviser platform backend is live: clients grant their adviser access at category or transaction level, advisers can recategorise, and expenditure exports work with any cashflow modelling tool today — Voyant, Plan With Phoebe, CashCalc, FinCalc, Intelliflo, Truth and more. The adviser web dashboard is live — client list, categorised expenditure, exports and a full audit trail — and direct modeller feeds are planned. Pilot places for UK planning firms are limited — register interest below.
The expenditure problem every planning firm knows
Cashflow modelling lives or dies on the expenditure line, and the expenditure line is usually the least reliable number in the plan. The ritual is familiar. At onboarding, the client receives an expenditure questionnaire or a spreadsheet with forty categories. They fill it in from memory, in one sitting, weeks after you asked. The figures are round numbers — £400 on groceries, £200 on eating out — because nobody actually knows what they spend on eating out, and almost everyone guesses low.
Research on self-reported spending consistently finds people underestimate discretionary expenditure, sometimes dramatically. The result: a cashflow model built on a base year that never happened. Surpluses look bigger than they are. Retirement dates look earlier than they should. And the adviser carries the professional risk of advice built on numbers the client invented in good faith.
Then comes the annual review, and the ritual repeats — except this time the client updates last year's guesses rather than starting fresh, so the error compounds. For firms that pride themselves on cashflow-led planning, it's an uncomfortable foundation: rigorous modelling downstream of unrigorous data.
We've written up the full picture — where the spreadsheet ritual came from and why it persists — in how advisers collect client expenditure data (and why it breaks).
How earmarkIQ replaces the guesswork
earmarkIQ's consumer app is live on iOS today. Clients connect their UK bank accounts — 50+ banks supported — through read-only Open Banking, and the app categorises every transaction automatically using AI transaction classification. No spreadsheets, no shoeboxes of statements, no memory tests.
Clients authorise access directly with their bank. earmarkIQ never sees credentials and cannot move money — Account Information Services (AIS) only, provided through Finexer, an FCA-authorised provider.
Spending is classified into high-level groups — housing, bills, groceries, transport, discretionary and more — with the underlying detail available when a figure needs interrogating. Twelve months of real data instead of one evening of recall.
Clients grant their adviser access from inside the app at the level they choose — category summaries or full transaction detail — see exactly what's shared, and can revoke at any time.
Where the automatic classification doesn't match how your firm models — a client's "eating out" that you treat as discretionary lifestyle, say — advisers can recategorise, and the exports reflect your categories.
Category and transaction-level expenditure exports work with any modelling tool today — built to map onto the expenditure screens of Voyant, Plan With Phoebe, CashCalc, FinCalc, Intelliflo and Truth. Direct feeds are planned. See how the export fits each tool.
Property and net worth in the same picture
Expenditure is half of the fact-find; assets are the other half. earmarkIQ includes property valuation inside the client's net worth view — live today — alongside their connected accounts. The client finds their address, the valuation is estimated from Land Registry house price index data and kept current by indexation, the mortgage is entered against it for a live equity figure, and the client can override the estimate with their own number at any time.
That combination matters for planning firms. Plenty of tools track property; plenty track spending; almost none put the two in the same client-facing app. With earmarkIQ, the consented picture the adviser receives isn't just outgoings — it's the household balance sheet the client actually looks at: accounts, spending, property and equity, kept current between reviews rather than reconstructed at each one. A property-only tracker can't tell you whether the client's surplus supports overpayments; a spending-only app can't show the equity those overpayments build. One view does both.
The practical effect at review time: instead of asking a client to guess what changed, you open twelve months of categorised reality and talk about what it means. The conversation moves from data collection to advice — which is the part clients are paying for.
New to Open Banking's plumbing? Our practical guide to Open Banking for financial planners covers AIS, consent and security in plain terms.
What's live and what's planned
We'd rather under-promise: here is the honest state of the adviser proposition.
Consumer app on iOS
Open Banking connections to 50+ UK banks, automatic categorisation, subscription and price-rise detection, payday allocation planning, and Ask IQ — the in-app money coach.
Property valuation in net worth
Property sits inside the client's net worth view alongside connected accounts — one household balance sheet, not a separate tool.
Adviser platform backend
Client-controlled consent grants at category or transaction level, adviser recategorisation, and expenditure exports that work with any cashflow modelling tool.
Adviser web dashboard
Client list, categorised expenditure with transaction access at the client’s consent scope, adviser recategorisation, CSV export, and a full audit log of adviser activity.
Consumer web viewing
Clients can view accounts, spending, net worth and property on the web. Connecting banks and Ask IQ chat remain in the iOS app.
Direct modelling-tool feeds
Direct feeds into cashflow tools, starting with Voyant and Intelliflo, so consented data flows in without an export step. Exports work with any tool today — see the modelling connections page.
Moneyhub's consumer app closes on 14 August 2026. If your firm relied on client Moneyhub data reaching Voyant, see our guide to replacing the Moneyhub Voyant integration — and register pilot interest below to be contacted as places open.
Register pilot interest
The adviser platform — dashboard included — is live, and we are onboarding a small group of UK planning firms. Leave your work email and we'll be in touch with details — no commitment.
Pilot places are limited and offered in registration order. Pricing available on request.