
Free
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About
Financial IQ: real accounting for UK small businesses, and a clear picture of your own money, on your phone.
Financial IQ is built to be so good you do not need an accountant for the routine work: invoicing, bookkeeping, reconciliation and VAT. Complex tax planning and strategic advice are still a job for a professional, but the everyday running of your business finances belongs in your own hands.
WHAT YOU CAN DO
Invoicing: create and send professional invoices in seconds, complete with VAT and the cost centre, project or fund coding your accountant already set up for you.
Bank feeds: connect your business bank accounts and watch transactions flow in automatically, ready to categorise.
Receipts: snap a photo or forward an email and Financial IQ reads the receipt, matches it to a transaction and files it.
Mileage: log business trips as you go and see your HMRC mileage claim build in real time.
Reports: check your revenue, profit and margin for this month and year to date, with a six month trend so you can see where the business is heading.
Multi-company: switch between every business or client you manage from one account.
BUILT FOR THE UK
Financial IQ speaks HMRC's language. Making Tax Digital, VAT returns and UK accounting standards are built in from the ground up, not bolted on.
YOUR DATA, PROTECTED
Bank-level encryption and secure cloud sync keep your financial data safe, wherever you are.
Financial IQ Corporate is the mobile companion to the full Financial IQ platform. Sign in with your existing account to pick up right where you left off.
YOUR PERSONAL MONEY
Switch to your Personal space to see your net worth, accounts, spending, budgets, bills, cashflow, debts, goals and your tax position in one place. Personal is free. Live bank feeds (£1.99 a month per feed) and your Self Assessment tax return are optional in-app purchases.
SUBSCRIPTIONS AND PURCHASES
Live bank feed subscriptions renew monthly until you cancel them in your Apple ID settings. Payment is taken from your Apple ID when you confirm the purchase.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Terms of service: https://www.financialiq.co.uk/terms
Privacy notice: https://www.financialiq.co.uk/privacy
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What's New in Financial IQ
3.1.0
October 20, 2026
Your personal money is now in the app. • A Personal space alongside your business: switch between them from the top of the screen. • Home shows your net worth, cash, what is safe to spend and the next 30 days. • Money: activity, accounts, income, budgets and bills. • Plan: cashflow, net worth, debt payoff and goals. • Tax: your take-home pay, the income you need and your Self Assessment position. • Add live bank feeds or your tax return from the app. The app is now called Financial IQ.
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