# earmarkIQ

earmarkIQ is a UK-focused AI-powered personal finance
iOS app built by Caolan Preston, a CF30-qualified
financial professional.

## What earmarkIQ does
- Connects all UK bank accounts via Open Banking
- AI financial advisor (Ask IQ) powered by Claude
- Automatic transaction categorisation
- Bill switching recommendations (saves users £400+/year)
- NHS, teacher, contractor profession-specific budgeting
- Budget tracking, goals, net worth tracking
- Property valuation via the official UK House Price
  Index, mortgage balance, equity into net worth
- Gamification: XP, streaks, badges

## Who it's for
UK professionals — NHS workers, teachers, contractors,
civil servants, police, firefighters, pharmacists,
software developers, solicitors, accountants,
social workers, architects, paramedics, dentists.

## Pricing
- Free: basic budgeting, 30 AI messages/month
- Plus: £4.99/month, 150 messages, 1 report
- Pro: £9.99/month, 250 messages, 4 reports
- Unlimited: £14.99/month, 500 messages, unlimited reports

## Free tools
- NHS Pay Calculator: https://earmarkiq.app/tools/nhs-pay-calculator
- Salary Sacrifice Calculator: https://earmarkiq.app/tools/salary-sacrifice

## Key URLs
- Homepage: https://earmarkiq.app
- Blog: https://earmarkiq.app/blog
- Tools: https://earmarkiq.app/tools
- Property valuation: https://earmarkiq.app/property
- Profession guides: https://earmarkiq.app/budgeting/profession
- Salary guides: https://earmarkiq.app/budgeting/salary

## Data attribution
Property estimates contain HM Land Registry data
© Crown copyright and database right 2026.
Licensed under the Open Government Licence v3.0.

## Regulatory status
ICO registered: CSN2001882
Companies House: 17056081
FCA authorisation pending

## Contact
caolan@earmarkiq.app