IQ Insights
AI spending insights that explain what changed.
MonthlyIQ detects bill increases, unusual spending, duplicates, fees and missed payments, and explains each with evidence.
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
Proactive detection
Price increases, new recurring charges, duplicate subscriptions, fees and spending acceleration.
Three layers
What happened, why it matters, and the supporting transactions.
Confidence labels
High confidence, likely, or needs confirmation — never overstated.
Questions
- Are insights calculated by AI?
- Totals come from deterministic financial logic on your transactions. AI helps explain them.
- Can I dismiss an insight?
- Yes. Dismissed insights stay dismissed after future syncs.
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