An AI coach that reads your real bank, catches what's bleeding you, and hands you one move a week — plus a free way to make extra cash, no bank required.
Money IQ is the AI money coach for people building a life worth flexing.
Link a bank and watch your net worth climb — a real number, tracked daily, moving in the right direction. Not a spreadsheet. Not homework. A scoreboard for the life you're building.
Money IQ reads your actual bank and card transactions and turns them into an edge: an AI coach that knows exactly where your money is going and calls it straight — no draining quiz, no generic advice, no forms before you see anything real.
What's inside:
• Net worth, tracked daily — a live line trending up, not a static balance you check once a month
• EARN — pick a way to make extra money (reselling, gig work, content, selling what you own, quick cash) and get a step-by-step playbook sized to your situation, not a course — works free, before you link a bank
• AI coach on your real numbers — blunt, specific, and always pulled from your actual transactions, never a script
• Leak detection — finds the subscriptions and recurring charges quietly draining you, so that money goes toward your number instead of disappearing into an app you forgot you pay for
• Cash flow, mapped clearly — know what's coming in and going out before it surprises you
• Spending guardrails — protect the climb without living inside a budget
• One clear move each week — the single next step that keeps you compounding, not a to-do list
No guru. No course. No promises about what your money will do — just your real numbers, read straight, working for one goal: keep the number climbing.
Money IQ connects through Plaid — bank-level encryption, read-only access. It can see your transactions. It can never move your money. Your data is never sold.
Building something worth flexing? Money IQ keeps score.
Appreciate this app because it keeps me accountable with my spending and creating money while I sleep!
Faster, simpler bank connections.
Link a bank — or add another — in one tap, right from the top of Settings. The connect flow is smoother and more reliable, so getting your real balances in takes seconds.
Same coach, same blunt read on your real numbers. Everything you've linked and logged carries over untouched.
Plus fixes and speed improvements.
Version 4.0.4
The developer, Benjamin Harvey, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Contact Info
User Content
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Benjamin Harvey
Size
22.8 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
iPhone Requires iOS 16.0 or later.
Mac Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.