Ask MonthlyIQ
Ask your money anything.
Get answers grounded in your actual accounts and transactions — with the evidence attached.
Read-only financial connections · Built with privacy in mind · Your financial data is never sold
Monthly intelligence
September is trending $824 higher than your six-month average.
Why?
Dining is +$412, Amazon is +$281 and your auto insurance increased $24.
Ask MonthlyIQ
Ask MonthlyIQ
Ask your money anything.
MonthlyIQ turns your connected financial data into answers. Ask a question the same way you'd ask a person and get an answer grounded in your actual accounts and transactions.
Answers can include evidence, follow-up questions and actions like View transactions, Track this, Fix category and Set alert.
✦ Ask MonthlyIQ
This month ▾Why am I spending more this month?
Dining is the largest reason September is running higher.
You've spent $2,140 across 38 dining and delivery transactions, which is $612 above your six-month monthly average. Amazon spending is also $281 above normal.
+$893 above normal
Dining +$612 · Amazon +$281
Based on posted transactions through Sep 28 across 6 connected accounts.
Illustrative example. AI-powered answers based on your MonthlyIQ data. Informational only, not financial advice.
How it works
AI where it helps. Financial logic where accuracy matters.
MonthlyIQ doesn't ask an AI model to guess your financial totals. Your balances, transactions, recurring expenses and calculations come from structured financial data. AI is used to help understand patterns, interpret questions and explain results clearly.
1. You ask
“Why was September more expensive?”
2. The engine calculates
compare_months(Sep, Aug) → total +$824 · dining +$612 · amazon +$281 · insurance +$24
3. AI explains
A clear answer with the evidence attached and follow-ups you can tap.
The AI never gets open access to your database. It can only use a small set of approved, read-only MonthlyIQ tools — and every call is logged.
IQ Actions
From answer to action.
Tell MonthlyIQ what something is and it proposes the change. The rule is simple: AI may propose changes — you confirm anything consequential.
That $2,800 payment to Landmark Properties is my rent.
I found similar payments in 10 of the last 11 months. Would you like me to treat Landmark Properties as a recurring housing expense?
Confirm recurring expenseStop counting transfers to my Chase card as spending.
I found 12 matching card payments. I'll exclude confirmed internal card payments from spending totals.
Review changesTell me if Netflix increases again.
I'll alert you if the detected Netflix recurring payment increases.
Set alertIQ Memory — personalization without creepiness
MonthlyIQ remembers financial corrections like “Landmark Properties is rent”, “ABC Preschool is education” or “I consider DoorDash dining” — not a psychological profile. You can review or delete what it remembers in Settings.
Privacy & AI
Built for financial data this sensitive.
Your data isn't the product.
MonthlyIQ does not sell your personal information or use financial data for targeted advertising.
Minimum necessary AI context.
Only information needed to provide the requested AI functionality is sent to our approved AI service provider.
You can correct MonthlyIQ.
Your corrections override automated classifications.
You remain in control.
Disconnect accounts or delete your data when you choose.
MonthlyIQ is an AI financial assistant — not a financial adviser, investment adviser or autonomous decision-maker. AI results are informational; estimates are labeled and supporting transactions are always inspectable. Privacy policy · Subprocessors