# VestClaw IQ — Smart Budget & Wealth Tracker > Financial command center for budgeting, portfolio analytics, and wealth tracking. (iPhone/iPad app by SkyLake LLC.) - Source: https://appshunter.io/ios/app/vestclaw-iq/id6763389731 (this page in markdown: same URL + `.md`) - Developer: [SkyLake LLC](https://appshunter.io/developer/1882958815) - Category: Finance, Business - Price: Free with in-app purchases - Rating: 5.00/5 from 6 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 14 MB - Languages: American English - Released: 2026-04-27 - Data updated: 2026-09-10 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/vestclaw-iq/id6763389731/reviews.md ## What is VestClaw IQ? VestClaw IQ is your complete financial command center, bringing institutional-grade portfolio analytics together with budgeting, cash flow tracking, and economic data in one powerful app. Whether you're building your first budget or analyzing a multi-account investment portfolio, VestClaw IQ gives you the clarity to understand your full financial picture. KEY FEATURES Institutional-Grade Portfolio Analytics Efficient Frontier visualization to compare risk and return Sharpe Ratio, volatility, and expected return metrics Diversification scoring across sectors and asset classes Portfolio Overview Track your total net worth across all connected accounts Real-time syncing with banks, brokerages, and retirement accounts See all your institutions and account balances at a glance Save up to 4 custom account groups for faster filtering across Holdings, Investments, Sector Breakdown, Security Concentration, Income, and Expenses Benchmark Tracking Compare your portfolio performance to the S&P 500 Period and money-weighted returns (MWR) Performance charts across 7D, 1M, YTD, 1Y, 3Y, and All time Economic Indicators US Treasury yield curve analytics vs. historical averages GDP nowcasts, yield spreads, housing, and industrial production vs. the S&P 500 Real and nominal yield analysis with TIPS data Powered by the Federal Reserve (FRED) Portfolio Insights Diversification alerts when holdings are concentrated Cash drag indicators when money sits idle Insights based on your actual holdings Tax Insights See potential wash sales across all your linked accounts Estimated short and long term realized gains and losses Add your own cost basis when we can't pull it automatically Tax information only, not tax advice Equity Compensation Value your unvested RSUs in present value terms, not just today's price Adjusts for time to vest and forfeiture risk using live Treasury yield data Income & Expense Insights Estimated trailing 12 month distributions across your holdings, with a per holding breakdown and a coverage figure Estimated fund expense ratios across your ETFs, mutual funds, and other pooled holdings, with a blended portfolio wide ratio and estimated annual cost Informational estimates only, not official fund data Smart Budgeting Build monthly budgets across income and expense categories Track actual spending against your planned budget automatically Identify overspending categories before they become a problem Cash Flow Analysis Visualize income vs expenses over any time period Category-level breakdowns for income and spending Spot trends in your financial habits Risk Profile Assessment Personalized risk tolerance assessment See which allocations align with your investor profile Understand what conservative, moderate, and aggressive profiles look like Retirement Planning Real-return math in today's dollars, no nominal-dollar confusion Monte Carlo simulations powered by Federal Reserve (FRED) data Goal Setting & Wealth Transfer Set financial targets and track progress toward them See what beneficiaries would receive after debts, fees, and estimated federal estate tax Estimates only, not legal or tax advice Secure Bank Connections Powered by Plaid, bank-grade, read-only access to checking, savings, credit cards, brokerage, and retirement accounts PREMIUM SUBSCRIPTION Unlocks the full suite of analytics, optimization tools, and account connections. Charged to your Apple account; renews automatically unless canceled at least 24 hours before the period ends. Manage or cancel in Account Settings. Privacy Policy: https://vestclaw.com/privacy Terms of Use: https://vestclaw.com/terms Take control of your finances today with VestClaw IQ. ## Key features - Institutional-grade portfolio analytics - Net worth tracking across connected accounts - Benchmark portfolio performance - Economic indicator analysis - Smart budgeting and spending tracking - Cash flow visualization - Retirement planning simulations ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Annual Premium | $79.99 | per year | | VestClaw IQ Premium (Monthly) | $9.99 | per month | ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/vestclaw-iq/id6763389731/reviews.md ### 5/5 — Must get *2026-06-16* This app is a game changer ### 5/5 — Finance Game Changer *2026-06-11* I’ve tried a number of finance apps and VestClaw stands out for combining budget and investment analysis in one place. Portfolio insights are easy to understand and the app helps simplify financial decisions without feeling overwhelming. ### 5/5 — Personal finances made easy *2026-06-03* To be able to see my entire financial universe all in one place with lots of tools and insights that allow for smart financial planning, household budget maintenance, and stock investment monitoring and strategizing is a huge benefit to me and my family. ## Frequently asked questions about VestClaw IQ ### What is VestClaw IQ? VestClaw IQ is a financial command center offering institutional-grade portfolio analytics, budgeting, and cash flow tracking. It aims to provide users with a clear understanding of their complete financial picture. ### How does VestClaw IQ handle security for bank connections? VestClaw IQ uses Plaid for secure, encrypted bank connections with bank-grade security and read-only access. It supports checking, savings, credit cards, brokerage, and retirement accounts. ### What kind of portfolio analytics does VestClaw IQ offer? VestClaw IQ provides institutional-grade analytics including Efficient Frontier visualization, Sharpe Ratio, volatility metrics, diversification scoring, and comparison to Min Variance and Max Sharpe portfolios. ### Can VestClaw IQ help with retirement planning? Yes, VestClaw IQ offers retirement planning features with real-return math in today's dollars and Monte Carlo simulations powered by Federal Reserve economic data to project savings progress. ### What are the benefits of VestClaw IQ Premium? VestClaw IQ Premium unlocks the full suite of institutional-grade analytics, portfolio optimization tools, and expanded account connection capabilities. Payment is charged to your Apple account upon confirmation. ### How often is VestClaw IQ updated? The latest version of VestClaw IQ is 2.4, and it was last updated on 2026-06-23. This indicates regular updates to improve features and reliability. ### What devices does VestClaw IQ support? VestClaw IQ is available on iPhone and iPod devices, as indicated by its supported devices list. It is rated for ages 4 and up. ### How can I cancel my VestClaw IQ Premium subscription? You can manage or cancel your VestClaw IQ Premium subscription within your account settings. The subscription automatically renews unless canceled at least 24 hours before the end of the current period. ## Version history (last 5 releases) ### 3.13 — 2026-09-10 This update improves reliability across Holdings, Allocation, and Tax Summary, with faster loading and more consistent data under heavy usage. General performance and stability improvements throughout. Enhanced the Monthly Review flow with clear step-by-step navigation. Added Investment Review analytics. ### 3.12 — 2026-09-05 Enhanced the Monthly Review flow with clear step-by-step navigation. Added Investment Review analytics. ### 3.11 — 2026-08-23 VestClaw IQ 3.11 introduces two new appearance themes: - Obsidian — a sleek, all-black look for low-light viewing - Ivory — a warm, cream-toned theme with VestClaw green accents Switch between Default, Obsidian, and Ivory anytime in Settings. ### 3.10 — 2026-08-13 What's New Budget Planner Add existing categories to your budget instead of only creating new ones Set any category to "No spend planned" Categories Create custom categories from Transactions or Budget Planner; they now appear in both places automatically Added Mutual Fund and Money Market Fund as new categories in Allocation Management Holdings New "Suggest All" button fills and saves style-box splits for every unassigned holding in one click, instead of reviewing them one at a time Suggest All now runs automatically the first time you visit Positions each session if you have unassigned holdings Expanded ticker coverage, so more of your holdings can get an automatic style-box suggestion Cash Flow Refreshed the Monthly chart with a new look to match the Flow view Estate Planning Visual improvements to the Wealth Transfer planner ### 3.0.9 — 2026-08-11 What's New Budget Planner Add existing categories to your budget instead of only creating new ones Set any category to "No spend planned" Categories Create custom categories from Transactions or Budget Planner; they now appear in both places automatically Holdings New "AI Suggest All" button fills and saves style-box splits for every unassigned holding in one click, instead of reviewing them one at a time Cash Flow Refreshed the Monthly chart with a new look to match the Flow view Estate Planning Visual improvements to the Wealth Transfer planner ## More apps by SkyLake LLC - [VestClaw](https://appshunter.io/ios/app/vestclaw/id6760658797) All apps by SkyLake LLC: https://appshunter.io/developer/1882958815 --- *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 2026-09-10.*