What Financial IQ does for you at home, built for income that doesn't arrive as one payslip.
Each part below has its own page showing how it works. Personal is free forever, and bank feeds and the API are optional add-ons.
Where you stand
What's safe to spend today, where your balance goes next, and what you're worth in total.
Safe to spend
£1,240
Bills, tax and goals already taken out
Safe to spendOne number for today, after everything that's already spoken for.
In 9 of 10 futures you stay above£420 on 18 Nov
Cash flow forecastingYour lowest balance ahead, the day it lands and what takes you there.
Home, less the mortgage£148,000
Pensions and savings£62,400
Your share of the company£41,250
Net worth£251,650
Net worthYour company and everything else you own in one total, each line traced to its source.
Tax before it's due
Self-employed profit, salary, dividends and rent added up the way HMRC adds them, all year round.
31 January 2028
£7,231.87
Known in April, when the tax year ends
Your tax bill, as it buildsKnow January's bill as soon as the tax year ends, with tax set aside as each payment lands.
£5,000 more on top of £35,400 already taken this year
£2,300 at 10.75%£247.25
£2,700 at 35.75%£965.25
Tax on the £5,000£1,212.50
Tax on your decisionsIn betaWhat a dividend does to your tax bill, before you take it.
Plan and pay down
Goals and budgets that fit around irregular income, and a clear order for clearing debt.
Connect
Bank feeds
An optional add-on that brings your transactions in on their own. Without it, you can add statements yourself.
See add-on pricing