Planning
Plan from your actual cash flow, not a blank spreadsheet.
Use real income, recurring expenses and spending patterns to understand what is available and test responsible scenarios.
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
Actual baseline
Start from observed income, bills and category patterns.
What-if scenarios
Explore changes separately from the records used for reporting.
Monthly decisions
Bring planned actions into the same monthly review as actual results.
Questions
- Do I need to build a budget first?
- No. MonthlyIQ starts with connected history and lets you refine it.
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