earmarkIQ
Finance
Free · In-App Purchases · Designed for iPad. Not verified for macOS.
Meet your AI money coach. Connect your bank, automate your payday, and build financial habits that actually stick. FCA regulated Open Banking.
earmarkIQ turns your salary into a plan.
Most budgeting apps tell you what you spent. earmarkIQ tells you what to do next.
Connect your bank accounts and earmarkIQ's AI coach gets to work — analysing your spending habits, setting weekly challenges, and building a personalised payday plan that moves your money before you can spend it.
Your AI Money Coach
Every Monday morning, your coach reviews last week's spending and sets this week's challenges. Hit your grocery budget three weeks running? Your coach notices. Overspending on takeaways? You'll get a targeted challenge to fix it — with a clear explanation of why.
Payday Automation
The moment your salary lands, earmarkIQ notifies you and guides you through allocating it — bills covered, savings funded, goals progressing — before the money disappears into daily spending.
Connected to Your Real Money
Open Banking powered by Finexer (FCA regulated) connects all your UK bank accounts in one place. Real balances, real transactions, real insights.
Goals That Actually Progress
Link savings accounts to goals and watch them fill automatically. Emergency fund, holiday, house deposit — track them all with live balance updates.
Weekly Habits, Real Results
XP, streaks, and weekly challenges make healthy financial habits stick. Your coach remembers what worked last week and builds on it.
earmarkIQ is free to try. Premium plans unlock full AI coaching, payday automation, and unlimited insights.
Subscriptions
earmarkIQ Plus, Pro and Unlimited are auto-renewable subscriptions, available monthly or annually. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically unless you turn off auto-renew at least 24 hours before the end of the current period. Manage or cancel your subscription in your Apple Account settings at any time.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://earmarkiq.app/privacy
The developer, EarmarkIQ Ltd, 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
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- EarmarkIQ Ltd
- Size
- 41.2 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Contains
Advertising
- In-App Purchases
Yes
- earmarkIQ Unlimited £119.99
- EarmarkIQ Unlimited Monthly £14.99
- earmarkIQ Pro £79.99
- earmarkIQ Plus £39.99
- earmarkIQ Pro £9.99
- earmarkIQ Plus £4.99
- Copyright
- © 2026 earmarkIQ Ltd