FIQ Personal

Your Finances. Your Way. Finally Understood.

Finally know whether you are on track. Budget your way, see where your money goes, and understand what to do next. No spreadsheets, no guesswork.

Premium is £7.99/month or £79/year.

Free tier available forever. No credit card required.

5+ budgeting methods
Real-time net worth
Automatic goal tracking
UK tax estimates built in
Your Dashboard

Everything You Need, One Screen

Open the app and instantly know where you stand: net worth, debt progress, budget, and goals, all updated automatically.

Dashboard

Net worth

£84,200

Debt plan

31 months left

Budget split

Goals and Forecast

Emergency fund

£7,500 / £10,000

30-day forecast

+£540 projected

Powerful Tools

Everything You Need to Manage Your Money

Flexible tools that adapt to how you think about money. Use one approach or combine several. Financial IQ works the way you do, not the other way around.

Budget Your Way

Whether you prefer 50/30/20, zero-based, envelope, or something entirely custom, Financial IQ adapts to your approach instead of forcing its own.

See Your True Net Worth

Bank accounts, investments, property, pensions, and debts in one place. Watch your wealth grow over time and know exactly where you stand.

Get Out of Debt Faster

Pick a strategy that suits you: snowball, avalanche, or custom. See your payoff date, how much interest you will save, and celebrate milestones along the way.

Know When You Will Get There

Set a goal, a target date, and an amount. We project when you will hit it based on your actual saving rate, updated automatically as your money moves.

Never Be Caught Out by Tax

We estimate what you owe across self-assessment, NI, and dividends, and tell you exactly how much to set aside each month. No January surprises.

Manage Money Together

See shared expenses and joint goals with your partner, while keeping your own spending private. One household, two perspectives.

Track Every Property

See how each property is really performing: rental income, expenses, mortgage equity, and the actual tax impact of recent landlord tax changes.

See What Is Coming

Will you make it to payday? See your projected balance for the next 30 days with every bill and income factored in. Plan ahead with confidence.

Learning Platform

Learn With Creator-Led Finance Pathways

Follow practical pathways inside the app and apply each step using your real data. Founding creator programmes are being onboarded in phased cohorts.

  • Guided pathways that connect education directly to your budgeting and planning tools
  • Founding creator programmes launching in phased cohorts
  • Clear progress tracking so you can see what you have completed and what comes next
  • Practical lessons designed for UK money decisions, not generic theory
Course

Debt Strategy Lab

by FIQ Founding Cohort (preview) · 6 modules

Programme

Budget Reset Sprint

by FIQ Founding Cohort (preview) · 8 modules

Course

Property Cashflow Essentials

by FIQ Founding Cohort (preview) · 5 modules

Preview of pathway formats launching with founding creator cohorts

Compare Plans

Free and Premium

Start free with tools that actually work. Upgrade when you want more depth.

Feature
Free
Premium
Dashboard
Connected accounts
1
Unlimited
Cashflow forecasting
30-day
12-month + scenarios
Financial goals
1 active goal
Unlimited
Spending insights
Core
Full insights + subscriptions
Tax estimates and planning
Debt payoff tools
Investment tracking
Household mode
Display currencies
1
Unlimited
Property portfolio
Priority support

Run a business?

FIQ Corporate handles bookkeeping, VAT, and tax workflows. Corporate subscriptions include Personal, and linked accounts can flow salary, dividend, and company-value context into your personal planning view. One financial life, connected.

Explore Corporate Beta

Take Control of Your Finances

Start with the free tier. Build habits. Upgrade when you are ready.

No credit card required. Free tier available forever.

Get Personal product updates by email

Module launches, pricing updates, and practical guides from the team.