Know exactly where you stand, in the business and at home.
Financial IQ keeps your company’s books every day, keeps a watch on your cash, and shows you what each decision does to your own tax, at the moment you decide rather than in a report three months later.
Personal is free forever. Autopilot keeps your business books from £99 a month plus VAT.
£4,700 of it lands in the upper rate, and it adds £3,056 to your tax. You see that before you declare it.
You don’t have a business life and a personal life.
You have one financial life.
Take a dividend in Business and Personal already knows what it did to your tax band. Nothing to export. Nothing to re-key. Nothing that quietly disagrees with itself.
reflected
The bookkeeping is done before you open it.
Autopilot categorises and posts every day as the feeds come in. The handful of payments it is not certain about are the only ones it asks you about, so most mornings there is nothing to do at all.
- Every match shows what it matched on, and can be undone.
- Anything it cannot place waits for you, outside your profit and loss.
Your cash line sits at the centre of everything.
Businesses rarely fail for lack of profit. They fail when the cash runs out, so every invoice, bill, tax bill and salary feeds a forecast that names your lowest point and answers before you take money out.
- Six weeks to twelve months ahead, with the range it could land in.
- Ask whether you can take money out and get a straight answer.
Lowest point £118,300 on 7 November, after VAT leaves. In 9 of 10 futures you stay above £40,000 on that date.
Yes. You stay above your £40,000 buffer, with the lowest point at £98,300 on 7 November.
Built for income that doesn't arrive on the 28th.
Most money apps assume a salary. If yours is project fees, dividends, rent and a part-time wage, they quietly break. This one was designed for that from the start.
- A tax pot you can see, worked from its real balance.
- Salary, dividends and rent are modelled together, not bolted on.
Ask Q about your money and get answers from your own figures, with the working shown.
Q is arriving on Personal soon. It reads your accounts, bills, goals and tax position, and anything that would change your records waits for you to say yes.
The lesson arrives at the decision.
It isn’t a course you’ll never finish, or a tooltip you’ll dismiss. The explanation shows up in the two seconds before you commit to something, which is the only moment it was ever going to change anything.
The VAT you charged your customers this quarter.
Open banking for personal and business, in the same sitting. Read-only. Nothing moves without you.
Categories, matches and tax positions proposed from your last 24 months. You confirm the handful it is unsure about.
From then on the numbers explain themselves, and the routine filing stops being an event.
Start with the business or with your own money, and the other already knows.
What is safe to spend, your live tax position across salary, dividends and rent, and when you will be clear of debt.
- A 13-week cash forecast with the tight weeks named
- Debt, goals, budgets and net worth
- Add a bank feed or your own AI when you want them
Autopilot keeps the books every day and files your VAT and year-end, with your cash forecast at the centre. Or keep the books yourself on Business Pro.
- An owner view with none of the plumbing
- Documents, payroll and credit control built in
- VAT returns filed to HMRC
One key, scoped to a single company or personal account. Everything the apps do, available to what you build, and to the agents you trust with it.
- Draft, issue, approve and send are separate calls, and sending needs an approval on record
- Idempotency keys on every write, and a full sandbox
$ curl api.financialiq.co.uk/v1/agent/mcp -H "x-api-key: $KEY"
An MCP endpoint so Claude and other agents can read the books and prepare work, without the power to send it.
The reasonable objections.
If yours isn't here, ask us. We would rather answer it than have you find out later.
Start understanding your money instead of just reading it.
Personal is free. Business plans start at £19 a month.