MonthlyIQ Intelligence
MonthlyIQ understands your month, not just your transactions.
Your bank records what happened. MonthlyIQ understands why it happened, what changed, what's coming next and what deserves your attention.
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
Context
AI is only useful if it understands your money.
Transactions are messy. MonthlyIQ combines financial rules, historical patterns and AI to understand what a transaction actually means in the context of your financial life.
Recurring intelligence
Finds recurring expenses even when the amount, date or merchant descriptor changes.
Transfer intelligence
Recognizes payments and transfers between your own accounts so money isn't counted twice.
Variable bill intelligence
Learns the normal range for utilities and other bills that change every month.
Change detection
Finds new charges, price increases, unusual spending and patterns that stop unexpectedly.
Household intelligence
Understands financial activity across the accounts and people that make up your household.
Evidence & confidence
Shows why MonthlyIQ reached a conclusion and lets you correct it when needed.
IQ Insights
The most useful question is sometimes the one you didn't know to ask.
MonthlyIQ continuously watches for meaningful changes in your financial picture and brings them to your attention.
Every insight has three layers
- What happened — Your electric bill increased 17%.
- Why MonthlyIQ thinks it matters — $418 is $61 higher than your six-month average.
- Show me — View the six previous payments.
Your GEICO payment increased 8.3%
$288 → $312 · First increase in 11 months.
Max appears to be billed twice
Two recurring charges totaling $40/month were detected on separate cards.
Dining is running 42% above normal
38 purchases so far this month.
$1,294 in expected expenses over the next 7 days
Based on your recurring payment history.
No Hulu payment detected in 64 days
MonthlyIQ previously saw this payment every month.
IQ Forecast
See what's likely coming next.
Built from recurring payment history, expected ranges and due-date patterns. Clearly labeled estimates — ranges, not false precision.
Expected over the next 14 days
$2,442–$2,610
8 recurring expenses · $1,824 fixed · $618–$786 variable
“What happens if I cancel these five subscriptions?” — What-if answers are kept separate and never change your real data.
IQ Close
Close your month knowing exactly what happened.
- Recurring obligations
- $17,307
- Paid
- $17,307
- Other spending
- $19,639
- Compared with August
- +$824
- Largest increases
- Dining +$612 · Amazon +$281 · Auto insurance +$24
- New recurring expenses
- 2
- Possible cancelled expenses
- 1
- Potential savings identified
- $174/mo
Finalized months are locked so later bank updates don't rewrite history.
MonthlyIQ Intelligence
One intelligence system. Many ways to use it.
Ask MonthlyIQ is simply one way to interact with the intelligence that runs underneath every screen.
Ask MonthlyIQ
Conversational financial AI grounded in your accounts.
IQ Insights
Changes, anomalies and opportunities found automatically.
IQ Brief
Today, this week and this month — summarized for you.
IQ Forecast
Expected bills and ranges for the days ahead.
IQ Alerts
Alerts based on what changed, not only fixed limits.
IQ Actions
Fix, confirm, ignore or monitor straight from an answer.
IQ Close
A month-end review you can finalize and keep.
IQ Memory
Learns your corrections, not your personality.
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