# FiQ - Private Budget & Finance — Financial Planner

> Financial Planner (iPhone/iPad app by Ajay Joy.)

- Source: https://appshunter.io/ios/app/fiq-private-budget-and-finance/id6749248648 (this page in markdown: same URL + `.md`)
- Developer: [Ajay Joy](https://appshunter.io/developer/1829546867)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 37 MB
- Languages: English
- Released: 2025-09-09
- Data updated: 2026-08-30
- User reviews in markdown: https://appshunter.io/ios/app/fiq-private-budget-and-finance/id6749248648/reviews.md

## What is FiQ?

FiQ is the private budgeting app for tracking expenses, managing credit card rewards, and analyzing your finances — with no bank logins, no cloud sync, and no subscriptions. Import any CSV, and on-device AI does the rest

FiQ — Private Finance, Powerfully Simple

FiQ is the personal finance app built for people who want real insight into their money — without handing over their bank credentials to anyone.

Import a CSV from any bank, and FiQ does the rest. Transactions are automatically categorized, transfers are detected, subscriptions are identified, and your monthly and yearly financial picture is built — entirely on your device.

Your Money, Your Data
FiQ never connects to your bank. No OAuth logins, no data sent to any server. Everything lives locally on your device. Always. With Future Features to use open banking APIs to autoload your transactions to your phone directly without any third party

Smart Budgeting
Set budgets by category, track spending in real time, and get alerted before you overshoot. FiQ supports flexible budget behaviors — expense tracking, savings goals, and income categories — so it fits how you actually manage money.

On-Device AI Financial Analyst
Ask FiQ anything about your finances. Powered by a local AI model running entirely on your device, the chat analyst reads your real transaction data and delivers actionable insights, spending breakdowns, and personalized recommendations — with zero data leaving your phone.

Best Card Finder
Stop leaving rewards on the table. FiQ analyzes your spending across every category and tells you exactly which card earns the most for each type of purchase. Search nearby places, or enter any amount manually — and see your optimal card instantly.

Money Flow
Visualize where your money actually goes with a Sankey-style flow diagram. See the full picture of outflows across categories and track internal transfers between your accounts.

Subscription Intelligence
FiQ automatically detects recurring charges in your transaction history, estimates your monthly and annual commitment, and gives you a clear view of what you're paying — every single month.

Yearly & Monthly Insights
Deep-dive into any month or year with rich visual breakdowns: spending vs. income charts, category budgets, cashback earned, savings rate, and card optimization tips — all in one place.

Works With Any Bank
Chase, Citi, Apple Card, Amex, Bank of America, HSBC, or your local credit union — if it exports a CSV, FiQ can read it. A guided setup wizard walks you through column mapping in minutes.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| com.fiq.annual.sub | $1.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Large Contribution | $1.99 | one-time |
| Medium contribution | $1.99 | one-time |
| Small Contribution | $0.99 | one-time |



## Version history (last 5 releases)

### 2.0.5 — 2026-06-11

- Added Import History
- Manual Addition of Transactions as recurring income or recurring subscriptions
- Ability to Mark Recurrings as non recurring and exclude it from future detections

### 2.0.2 — 2026-05-09

- Improved Detection Agent
- Improved Presentation for Subscription Data in yearly Insights

### 1.1.7 — 2025-10-21

Fixed Bug with crashing on reward upload if user enabled icloud sync

### 1.1.6 — 2025-10-20

New Feature
- Mark Positive cash flow as non Income

### 1.1.5 — 2025-10-15

Fixed Format issue with Goals Manager when View is empty

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| --- | --- | --- | --- |
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## More apps by Ajay Joy

- [HomeIQ - Home Maintenance](https://appshunter.io/ios/app/homeiq-home-maintenance/id6760779253)

All apps by Ajay Joy: https://appshunter.io/developer/1829546867

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*