earmarkIQ is an AI-powered personal finance app built specifically for UK professionals — the only app that allocates your salary automatically on payday, detects subscription price creep, and answers specific questions about your money using your real bank data.
What makes it different:
Most UK budgeting apps show you what you've already spent. earmarkIQ tells you what to do with your money before payday — and then does it automatically. Connect your bank via Open Banking and the AI generates your salary split on payday: bills, savings, investments, and guilt-free spending. With Payment Initiation Services (PIS), it moves the money without you touching it.
Ask IQ — AI financial advisor Ask IQ has full context of your real transactions, balances, goals, and bills. Ask "Can I afford a holiday in June?" and get a specific, data-backed answer. On paid tiers, Ask IQ is agentic — it can move money, update goals, and adjust budgets with your confirmation.
Subscription Radar Monitors every recurring payment and alerts you the moment any subscription increases its price. Catches the quiet £2 Netflix rise before it costs you £24 a year. Duplicate charge detection included.
Tax tools no other UK app has Capital gains tracking, salary sacrifice optimisation, and marriage allowance detection — built for professionals managing investments and optimising their tax position.
Smart Marketplace Savings accounts, ISAs, energy deals, and investment platforms ranked by AI based on your actual spending data — not commission rate.
Also includes: net worth tracking, goal tracking, partner finance mode, debt payoff planner, what-if simulator, gamification with XP and streaks, weekly AI insights.
Pricing: Free · Plus £4.99/mo · Pro £9.99/mo · Unlimited £14.99/mo
FCA Appointed Representative of Finexer Ltd (FRN 925695) · ICO registered · iOS launching May 2026
