Personal finance integration
- Financial IQ
- Unified personal and business finance view for contractors
- FreeAgent
- Business accounting only; no personal finance tools
Comparison
Financial IQ vs FreeAgent
How an education-first personal-plus-corporate platform compares to specialist freelancer and contractor accounting software.
Premium is £7.99/month or £79/year.
FIQ Corporate is live in invite-only beta. Request early access.
IR35 education content
- Financial IQ
- Dedicated IR35 guides, status implications, and contractor resources
- FreeAgent
- Blog articles on IR35 topics
Tax provisioning at personal level
- Financial IQ
- Set aside tax from personal income alongside business accounts
- FreeAgent
- Tax timeline and estimates within business accounts
Multi-methodology budgeting
- Financial IQ
- Choose from 50/30/20, zero-based, envelope, or custom approaches
- FreeAgent
- Cash flow forecasting for business, no personal budgeting
Financial education platform
- Financial IQ
- Built-in articles, creator programmes, and guided learning paths
- FreeAgent
- Knowledge base and webinars focused on product usage
Category
Financial IQ
FreeAgent
Personal finance integration
Unified personal and business finance view for contractors
Business accounting only; no personal finance tools
IR35 education content
Dedicated IR35 guides, status implications, and contractor resources
Blog articles on IR35 topics
Tax provisioning at personal level
Set aside tax from personal income alongside business accounts
Tax timeline and estimates within business accounts
Multi-methodology budgeting
Choose from 50/30/20, zero-based, envelope, or custom approaches
Cash flow forecasting for business, no personal budgeting
Financial education platform
Built-in articles, creator programmes, and guided learning paths
Knowledge base and webinars focused on product usage
Who Financial IQ is best for
- Contractors and freelancers who want personal finance tools alongside business accounting
- People navigating IR35 who need dedicated education and guidance
- Self-employed workers who want to choose their own budgeting methodology
This page is an educational comparison based on publicly available product positioning as of February 2026. FIQ Corporate access is currently invite-only and managed through the early-access waitlist.
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