# Money IQ: Net Worth & AI Coach — Watch Your Net Worth Climb > AI financial coach providing personalized income-boosting strategies based on real cash flow. (iPhone/iPad app by Benjamin Harvey.) - Source: https://appshunter.io/ios/app/money-iq-net-worth-and-ai-coach/id6787509698 (this page in markdown: same URL + `.md`) - Developer: [Benjamin Harvey](https://appshunter.io/developer/1030946803) - Category: Finance - Price: Free - Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 12+ - Requires: iOS 17.0 · 22 MB - Languages: American English - Released: 2026-07-15 - Data updated: 2026-09-22 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/money-iq-net-worth-and-ai-coach/id6787509698/reviews.md ## What is Money IQ? 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 • 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 • 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 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. ## Key features - AI-driven personalized financial advice - Analysis of real cash flow - Identification of money leaks - Weekly actionable financial plans - Secure bank account linking (read-only) - Face ID protection ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/money-iq-net-worth-and-ai-coach/id6787509698/reviews.md ### 5/5 — Warren Buffet in your pocket *2026-07-16* Appreciate this app because it keeps me accountable with my spending and creating money while I sleep! ## Frequently asked questions about Money IQ ### What kind of financial advice does Money IQ offer? Money IQ offers personalized, high-leverage advice tailored to your specific financial situation, whether you're hourly, salaried, a high earner, or a founder. It focuses on actionable steps to increase income and optimize wealth. ### How does Money IQ analyze my finances? Money IQ securely links to your bank accounts via Plaid (read-only) to analyze your actual cash flow. It uses this data to understand your spending habits and income sources to provide relevant advice. ### Is my financial data safe with Money IQ? Yes, your bank data is read-only and connected securely through Plaid. The app is protected by Face ID and never moves your money. ### What makes Money IQ different from other finance apps? Unlike generic money tips, Money IQ provides advice specifically tailored to your unique financial profile and cash flow. It focuses on the single highest-leverage move for you, rather than broad strategies. ### Does Money IQ have ads? No, Money IQ does not contain advertisements. It is a completely ad-free experience for users. ### What devices does Money IQ support? Currently, Money IQ is supported on iPhone devices. Future platform expansions may be considered by the developer. ### How often is Money IQ updated? The latest version, 1.1, was released on July 16, 2026, indicating recent development activity. Users can expect regular updates to improve features and security. ### What is the user sentiment for Money IQ? Based on the available data, Money IQ has received a perfect 5.0-star rating from one review, indicating very positive initial user sentiment. ## Version history (last 5 releases) ### 4.0.1 — 2026-09-21 Same coach, same blunt read on your real numbers. Your net worth, your accounts, your Money IQ score and every move you've logged carry over untouched. Nothing to re-link, nothing to set up again. Plus fixes and speed improvements. ### 4.0 — 2026-09-20 BHarv is now Money IQ. Same coach, same blunt read on your real numbers — the name just says what it is. Your net worth, your accounts, your score and every move you've logged all carry over untouched. Nothing to re-link, nothing to set up again. Your BHarv score is now your Money IQ score. ### 3.4 — 2026-09-20 The Board now gives you something to do on day one — an income play you can start without connecting a bank. • Tap it and the agent builds a step-by-step playbook for your situation • The coach opens with the question most people actually arrive with • Optional: one nudge a week, never more Estimates are estimates, not promises. ### 3.3 — 2026-09-09 Pro is here. Your AI money coach all day, deeper money plans, and a personalized money move every week. Everyone who already had a score keeps full access, free, forever. ### 3.2 — 2026-08-28 New: EARN. Pick a way to make extra money — reselling, gig work, content, selling what you own, or quick cash — and the agent builds a step-by-step playbook sized to your situation, with specific picks and one honest watch-out. Deploy a play and log what you make. Your coach now reads more of your picture: real income from deposits, recurring subscriptions and what they cost, debts with their real APRs, and your investments. Under the hood: closed accounts no longer distort net worth, bank-link hand-offs recover cleanly after a relaunch, Face ID now covers guests who've linked a bank, and a stack of reliability fixes. ## Apps similar to Money IQ | App | Rating | Price | Category | | --- | --- | --- | --- | | [Compound interests calculator](https://appshunter.io/ios/app/compound-interests-calculator/id1571138034) | 1.0 (1) | Free | Finance | | [inHere](https://appshunter.io/ios/app/inhere/id1510624411) | 4.5 (403) | Free | Finance | | [PalmAgent ONE](https://appshunter.io/ios/app/palmagent-one/id314326596) | 4.9 (1,175) | Free | Finance | | [Wealthfront: Save and Invest](https://appshunter.io/ios/app/wealthfront-save-and-invest/id816020992) | 4.8 (17,473) | Free | Finance | | [Happen Bank](https://appshunter.io/ios/app/happen-bank/id532638447) | 4.8 (9,005) | Free | Finance | | [B9: Cash Advance](https://appshunter.io/ios/app/b9-cash-advance/id1552004842) | 4.5 (22,568) | Free | Finance | ## More apps by Benjamin Harvey - [Bando - Real-time Social Mag](https://appshunter.io/ios/app/bando-real-time-social-mag/id1030946804) - [benharveyfit: AI Fitness Coach](https://appshunter.io/ios/app/benharveyfit-ai-fitness-coach/id6782227428) All apps by Benjamin Harvey: https://appshunter.io/developer/1030946803 --- *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 2026-09-22.*