Financial IQ

Your business and personal money in one app, free to start. We share UK money tips and post every update here. Built by @TJiMTS

[Financial IQ @FinancialIQapp]

Net worth is free forever on Financial IQ. Link in our bio.

[Financial IQ @FinancialIQapp]

Introducing net worth in Financial IQ.

Everything you own, less everything you owe, in one number. Your home, pensions, savings and investments sit against your mortgage, cards and loans. If you run a company, its value counts too.

[Financial IQ @FinancialIQapp]

It records your net worth every day, so you can see whether you're actually getting anywhere: over three months, this tax year or since the day you joined.

[Financial IQ @FinancialIQapp]

Goals are free forever on Financial IQ. Link in our bio.

[Financial IQ @FinancialIQapp]

Introducing goals in Financial IQ.

Tell it what you're saving for and when you want it. It works out what to put away each month and how much of your spare money that uses, so you know the goal is realistic before you start.

[Financial IQ @FinancialIQapp]

Saving for more than one thing? A funding plan shares your spare money between your goals: by priority, by deadline, safety first, evenly or in proportion.

[Financial IQ @FinancialIQapp]

Bills are free forever on Financial IQ. Link in our bio.

[Financial IQ @FinancialIQapp]

Introducing bills in Financial IQ.

Every regular payment in one place, a calendar of when each one leaves your account and the share of your income they take.

[Financial IQ @FinancialIQapp]

It also spots regular payments in your transactions that you haven't added yet, so nothing slips past.

[Deon Louw @deonlouw]

Love this. Been working on a version of this. But working through all the features and UX, this is brilliant. Well done @FinancialIQapp !!

[Financial IQ @FinancialIQapp]

Take-home pay is free forever on Financial IQ. Try it at https://t.co/vh0u2qSglJ

[Financial IQ @FinancialIQapp]

Introducing take-home pay in Financial IQ.

Put in your salary, pension and student loan to see exactly what lands in your account each month. Then ask what if: a pay rise, a bigger pension or the day your student loan is finally paid off.

[Financial IQ @FinancialIQapp]

Line up to three what-ifs side by side, line by line. In this example, a £5,000 pay rise adds £192/month after tax, National Insurance, student loan and pension.

Paying 3% more into your pension instead costs just £93/month in take-home.

[Financial IQ @FinancialIQapp]

GoCardless charge 1% + 20p a payment on their Standard plan, capped at £4 plus VAT, with 0.3% more on any part over £2,000. Financial IQ adds nothing on top. https://t.co/QW40OYMmjF

[Financial IQ @FinancialIQapp]

Direct Debit is now in Financial IQ, so you can stop chasing invoices.

Your customer signs up once, then Financial IQ collects each new invoice automatically, settles it and records the GoCardless fee in your books.

[Financial IQ @FinancialIQapp]

If a payment fails you can see why. Where GoCardless is already retrying it Financial IQ tells you, so you don't chase a customer who's about to pay.

[Financial IQ @FinancialIQapp]

Self Assessment is in beta. Your live tax position is free forever on Financial IQ. Try it at https://t.co/vh0u2qRIwb

[Financial IQ @FinancialIQapp]

Introducing your live tax position in Financial IQ.

See your tax bill build through the year, what's already been paid through PAYE and exactly how much to put away each month so the January bill is covered.

[Financial IQ @FinancialIQapp]

Every figure shows its working. Tap "How is this worked out?" and it explains the sum in plain English.