MonthlyIQ Intelligence
Your finances have an intelligence layer now.
MonthlyIQ doesn't just organize transactions. It understands the patterns behind your financial life, including bills, subscriptions, transfers, recurring payments and everyday spending, then explains what matters in plain English.
Ask questions. Spot changes. See what's coming. Understand your month.
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
Positioning
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.
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.
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 Brief
Your money, summarized for you.
Instead of exploring graphs, get a personalized narrative for today, this week, this month and your monthly close — in the dashboard, with an optional weekly email.
Good morning. Here's what changed.
- • Three recurring bills cleared yesterday. Your September obligations are now 91% paid.
- • Your GEICO payment was $24 higher than usual.
- • Dining is currently your largest spending increase this month.
- • You have approximately $1,465 of detected recurring expenses remaining through month-end.
Ask about this →
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.
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.
More than a budget
Know what's committed. Know what's left. Know what's leaking.
MonthlyIQ turns financial transactions into financial understanding — starting with your true monthly Expenses.
Explore the demoExpenses
Expected monthly recurring costs
$17,307
$463 less than last month
Paid this month
$15,842
Still expected this month
$1,465
Everything your bank doesn't tell you.
Expenses
Your recurring bills and payments, organized in one place.
Paid vs. still due
Every obligation this month with a clear status, due date and expected amount.
Variable bill modeling
Utilities and other changing bills get a smart average and an expected range.
Cash leak analysis
See where spending goes beyond your recurring bills.
Recurring intelligence
Detects rent by ACH, Zelle to people, changing descriptors and missed cycles.
No double counting
Card payoffs and transfers between your own accounts are recognized automatically.
Cash flow
Money in vs. money out each month, with income sources detected.
Debt overview
Credit cards and loans in one view with balances and payments.
Configurable alerts
Bill increases, new recurring charges, duplicates, large charges, low balance and more.
Transactions & export
Search, review, recategorize and export to CSV any time.
Household sharing
Owner, partner, viewer and advisor roles on one shared picture.
MFA & read-only access
Two-factor sign-in and read-only bank connections through Plaid.
Likely recurring · Evidence & confidence
Why we think Zoom is recurring
- • Charged 11 of the last 12 months
- • Amount within $0.50 each time
- • Always within 2 days of the 29th
- • Same card, same merchant descriptor
Every conclusion is explained — and you can always override it.
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
Today, a financial app with an AI assistant. MonthlyIQ: a financial intelligence system.
Ask MonthlyIQ is simply one way to interact with that intelligence.