Your money, finally explained.
MonthlyIQ uses AI and financial intelligence to understand your accounts, explain your spending, find recurring expenses, spot changes and answer questions about your money.
Trusted by 10,000+ people
Secure & Private · How we protect your data
Your September
Updated through Sep 28
Monthly intelligence
You have $1,465 left in recurring expenses this month.
Most of it is Riverside Preschool. Your total recurring expenses are down $463 from August.
Expenses
$17,307
Paid
91%
Due
$1,465
The problem
Your bank shows transactions. We explain them.
Hundreds of charges a month tell you nothing on their own. MonthlyIQ turns them into answers: what's committed, what's left, and what's leaking.
Your bank
A list of what happened.
- Raw transactions
- Confusing descriptors
- No context
A budget
A plan you have to maintain.
- Manual categories
- Guesswork limits
- Abandoned in weeks
MonthlyIQ
An explanation of your financial life.
- True monthly obligations
- Paid vs. still due
- Leaks and changes found for you
A clearer picture
Know what you spend every month.
See the recurring bills and payments behind your monthly expenses — rent paid by ACH, a nanny paid by Zelle, variable utilities, loans and every subscription — found and totaled automatically.
Average monthly spending
$36,946
Other spending
$19,639
Expenses
Expected monthly recurring costs
$17,307
$463 less than last month
Paid this month
$15,842
Still expected this month
$1,465
See it at a glance
Your month, drawn clearly.
Trends, categories and progress update as your accounts sync — no spreadsheets. Sample data shown.
Income vs. spending
Where your money goes
Total
$22.8k
This month so far
Recurring expenses paid
$15,842 cleared
Recurring expenses vs. total spending
Paid vs. remaining
Know what's paid. Know what's next.
See every obligation this month, whether it cleared, and what's still coming — so there are no surprises before month-end.
Verizon Wireless
Sep 24 · Phone
Equinox
Sep 26 · Health
Affirm — Peloton
Sep 28 · BNPL
Riverside Preschool
Sep 29 · Education
Zoom Workplace
Sep 29 · Software
Netflix
Sep 30 · Subscriptions
Cash leak
Find the gap between what life costs and what you actually spend.
Dining & delivery
$2,140
38 orders, up 42% vs. your 6-month average
Duplicate streaming
$40
Max billed on two cards
Amazon
$1,318
27 orders this month
Intelligence
Recurring doesn't always mean identical.
MonthlyIQ understands changing amounts, new descriptors, split payments, card payoffs and transfers between your own accounts — so nothing is double-counted.
MonthlyIQ notices what changed
FPL Electric
Summer peak — 17% above 6-mo average
$357 $418
Geico Auto
Renewal price increase
$288 $312
Netflix
Plan price changed
$18 $23
Hulu
No charge in 64 days — likely cancelled
$18 $0
Ask your money anything
Why was September more expensive than August?
Your recurring expenses fell $463, but dining rose $640 and Amazon $410. Most of the extra came from 38 delivery orders.
What can I cancel?
Max is billed twice, and 4 subscriptions look unused. That's $134/month.
How it works
Clarity in three steps.
1. Connect
Securely link banks, cards and loans through Plaid in about two minutes.
2. Understand
MonthlyIQ finds your obligations, variable bills, transfers and leaks automatically.
3. Take control
Confirm what matters, cut what doesn't and keep track of your expenses every day.
Security
Built for data this important.
Secure connections
Bank connections run through Plaid. We never see or store your bank passwords.
Secure & Private
Your financial data is not an advertising product. We never sell it.
You stay in control
Disconnect accounts or delete everything at any time.
Simple pricing for every kind of money.
Personal or business, start free for 7 days.
For individuals and households. 7-day free trial, cancel anytime.
Essentials
See your expenses and what's due.
$9/mo
- Up to 5 linked accounts
- Expenses & bill calendar
- Paid vs. still due
- Subscription finder
- Transaction search & CSV export
- MFA-protected account
Pro
Most popularFull intelligence and the AI assistant.
$19/mo
- Unlimited linked accounts
- Everything in Essentials
- Ask MonthlyIQ AI assistant
- Change & price-increase alerts
- Cash leak insights
- Monthly review & what-if planner
- Weekly email brief
Household
One picture for the people who share your life.
$29/mo
- Everything in Pro
- Up to 4 household members
- Shared expenses & bills
- Household reports
- Member roles & permissions
Founder
Personal finances for complex lives.
$49/mo
- Everything in Household
- Multiple entities (coming soon)
- Debt & financing center
- Priority support
Bank-level security
256-bit encryption in transit and at rest
Never sold
Your financial data is never sold or used for targeted advertising
No credit card required
Start without entering payment details
7-day free trial
Full access, cancel anytime
Read-only connections
We can see transactions, never move money
Cancel anytime
No lock-in, no hidden fees