# SweepIQ: Smart Cash Manager — Sweep Surplus from Checking > Automates investing by sweeping surplus funds from checking accounts. (iPhone/iPad app by Scott Moake.) - Source: https://appshunter.io/ios/app/sweepiq-smart-cash-manager/id6766278334 (this page in markdown: same URL + `.md`) - Developer: [Scott Moake](https://appshunter.io/developer/1896263986) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 5 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 38 MB - Languages: American English - Released: 2026-09-02 - Data updated: 2026-10-16 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/sweepiq-smart-cash-manager/id6766278334/reviews.md ## What is SweepIQ? SweepIQ — Know your number. Grow your wealth. How much money should you actually keep in checking? Most people guess. SweepIQ helps you know. SweepIQ monitors your checking account and helps you determine how much cash you should keep on hand based on your real spending. When you have more than you need, SweepIQ helps you put that surplus to work — first toward your emergency fund, then toward investments you choose. No more guessing. No more unnecessary cash sitting idle. Smart Target — $3.99/month Know your number. Connect your existing checking account and set your pay schedule. SweepIQ uses your real spending history to calculate and monitor a personalized target balance. • Personalized target based on your actual spending • Choose which expenses count toward your target • Add your own cash buffer for extra peace of mind • Weekly check-ins comparing your actual spending to your typical average • Get notified when your spending patterns change enough that your target should be updated • Surplus and low-balance notifications based on your target and pay schedule Smart Target is all about knowing how much cash you actually need. No investing required. Invest — $5.99/month Grow your wealth. Once you know your number, put the rest to work. Connect your brokerage account directly in SweepIQ. When SweepIQ identifies a surplus, you decide whether to transfer it to your brokerage. Once the funds arrive, SweepIQ automatically invests them according to the rules you set. • Everything in Smart Target • Connect your brokerage account • Automatically invest funds once they arrive • Build your emergency fund first • Invest remaining funds in the stock or ETF you choose • Track your emergency fund and investment portfolio together • Configure your own sell logic • You decide when money is transferred and what gets sold SweepIQ never moves money from your bank account without your approval. You initiate every transfer. Once funds arrive in your brokerage account, SweepIQ handles the investing according to your settings. Built for trust and control Your money stays under your control. You choose your target. You choose your buffer. You choose your investments. You choose your transfer decisions. You choose your sell logic. SweepIQ is the automation layer that helps execute the plan you set. Bank connection powered by Plaid Investing powered by Alpaca Pricing Smart Target — $3.99/month Know exactly how much to keep in checking. Invest — $5.99/month Everything in Smart Target, plus automated investing and emergency fund + portfolio tracking. 30-day free trial. Cancel anytime. SweepIQ is a financial automation tool, not an investment adviser. SweepIQ does not initiate bank transfers or provide investment advice, recommendations, or discretionary investment management. Investing involves risk, including possible loss of principal. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Monitors checking account balance - Identifies surplus funds for investment - Notifies based on pay schedule - Calculates personalized target balance - Connects to brokerage accounts - Automates investing based on user settings ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | TargetIQ | $3.99 | per month | | InvestIQ | $5.99 | per month | ## Is SweepIQ safe? Not enough ratings yet to assess SweepIQ. ## Is SweepIQ legit? SweepIQ: Smart Cash Manager has limited verification signals. The AppsHunter Legitimacy Score for SweepIQ is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/sweepiq-smart-cash-manager/id6766278334/reviews.md ### 5/5 — Awesome app! *2026-09-07* Easy to understand and quick to set up! Makes everything super simple ### 5/5 — Great App! *2026-09-05* Fantastic app! I love all the breakdowns and information it gives. And the Auto-sweep feature is really neat! ## Frequently asked questions about SweepIQ ### How does SweepIQ help manage my checking account? SweepIQ monitors your checking account balance against a target you set, factoring in your pay schedule. It notifies you if you have surplus funds available to invest or if your balance dips too low. ### What are the subscription plans for SweepIQ? SweepIQ offers two plans: Smart Target for $3.99/month, which includes personalized targets and vendor customization, and Invest for $5.99/month, which adds brokerage connection and automated investing. ### Does SweepIQ have a free trial? Yes, SweepIQ offers a 30-day free trial for all subscription plans. You can cancel anytime during the trial period. ### Is SweepIQ secure? SweepIQ uses bank-level security via Plaid for account connections. It emphasizes user control, stating it never moves money or makes investments without your explicit approval and configured rules. ### Can I connect my brokerage account to SweepIQ? Yes, the 'Invest' plan allows you to connect your brokerage account directly within the app. This enables automated investing of surplus funds once they are transferred. ### How does SweepIQ automate investing? Once funds are transferred to your brokerage, SweepIQ automatically invests them according to your settings. This includes prioritizing an emergency fund before growing your selected portfolio. ### What devices does SweepIQ support? SweepIQ is supported on iPhone, iPad, and iPod devices, indicated by its age rating of 4+. ### How often is SweepIQ updated? SweepIQ was last updated on September 2, 2026, with its latest version being 1.0. This suggests a recent release with potential for future updates. ## Version history (last 2 releases) ### 1.0.2 — 2026-09-13 CustomerID fix, other app wording updates ### 1.0 — 2026-09-02 No release notes. ## Apps similar to SweepIQ | App | Rating | Price | Category | | --- | --- | --- | --- | | [Freedom CU (UT) Card App](https://appshunter.io/ios/app/freedom-cu-ut-card-app/id1644165896) | 4.5 (2) | Free | Finance | | [Mutual Federal Digital Banking](https://appshunter.io/ios/app/mutual-federal-digital-banking/id1580460987) | 5.0 (2) | Free | Finance | | [Spark for Business by Absa](https://appshunter.io/ios/app/spark-for-business-by-absa/id6670469844) | — | Free | Finance | | [Aiera](https://appshunter.io/ios/app/aiera/id1455974709) | 4.8 (18) | Free | Finance | | [United Community Bank, LA](https://appshunter.io/ios/app/united-community-bank-la/id1017093616) | 4.8 (904) | Free | Finance | | [United Settlement](https://appshunter.io/ios/app/united-settlement/id6761139572) | 4.8 (43) | Free | Finance | --- *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 2026-10-16.*