earmarkIQ

earmarkIQ turns your salary into a plan. Most budgeting apps tell you what you spent. earmarkIQ tells you what to do next. Connect your bank accounts and earmarkIQ's AI coach gets to work — analysing your spending habits, setting weekly challenges, and building a personalised payday plan that moves your money before you can spend it. Your AI Money Coach Every Monday morning, your coach reviews last week's spending and sets this week's challenges. Hit your grocery budget three weeks running? Your coach notices. Overspending on takeaways? You'll get a targeted challenge to fix it — with a clear explanation of why. Payday Automation The moment your salary lands, earmarkIQ notifies you and guides you through allocating it — bills covered, savings funded, goals progressing — before the money disappears into daily spending. Connected to Your Real Money Open Banking powered by Finexer (FCA regulated) connects all your UK bank accounts in one place. Real balances, real transactions, real insights. Goals That Actually Progress Link savings accounts to goals and watch them fill automatically. Emergency fund, holiday, house deposit — track them all with live balance updates. Weekly Habits, Real Results XP, streaks, and weekly challenges make healthy financial habits stick. Your coach remembers what worked last week and builds on it. earmarkIQ is free to try. Premium plans unlock full AI coaching, payday automation, and unlimited insights. Subscriptions earmarkIQ Plus, Pro and Unlimited are auto-renewable subscriptions, available monthly or annually. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically unless you turn off auto-renew at least 24 hours before the end of the current period. Manage or cancel your subscription in your Apple Account settings at any time. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://earmarkiq.app/privacy