Your money, finally explained.
Know what your life actually costs.
MonthlyIQ connects your financial accounts and automatically uncovers your true monthly obligations, what you've already paid, what's still due, and where the rest of your money is going.
Monthly Nut · September
−$463$17,307
The problem
Your bank shows transactions. We explain them.
Hundreds of charges a month tell you nothing on their own. MonthlyIQ turns them into answers: what's committed, what's left, and what's leaking.
Your bank
A list of what happened.
- Raw transactions
- Confusing descriptors
- No context
A budget
A plan you have to maintain.
- Manual categories
- Guesswork limits
- Abandoned in weeks
MonthlyIQ
An explanation of your financial life.
- True monthly obligations
- Paid vs. still due
- Leaks and changes found for you
The signature metric
Meet your Monthly Nut.
The recurring cost of your life — rent paid by ACH, a nanny paid by Zelle, variable utilities, loans and every subscription — found and totaled automatically.
Average monthly burn
$36,946
Variable spend above nut
$19,639
Your Monthly Nut
$17,307
$463 since last month
Paid this month
$15,842
Still due
$1,465
Paid vs. remaining
Know what's paid. Know what's next.
See every obligation this month, whether it cleared, and what's still coming — so there are no surprises before month-end.
Verizon Wireless
Sep 24 · Phone
Equinox
Sep 26 · Health
Affirm — Peloton
Sep 28 · BNPL
Riverside Preschool
Sep 29 · Education
Zoom Workplace
Sep 29 · Software
Netflix
Sep 30 · Subscriptions
Cash leak
Find the gap between what life costs and what you actually spend.
Dining & delivery
$2,140
38 orders, up 42% vs. your 6-month average
Duplicate streaming
$40
Max billed on two cards
Amazon
$1,318
27 orders this month
Intelligence
Recurring doesn't always mean identical.
MonthlyIQ understands changing amounts, new descriptors, split payments, card payoffs and transfers between your own accounts — so nothing is double-counted.
MonthlyIQ notices what changed
FPL Electric
Summer peak — 17% above 6-mo average
$357 $418
Geico Auto
Renewal price increase
$288 $312
Netflix
Plan price changed
$18 $23
Hulu
No charge in 64 days — likely cancelled
$18 $0
Ask your money anything
Why was September more expensive than August?
Your nut fell $463, but dining rose $640 and Amazon $410. Most of the extra came from 38 delivery orders.
What can I cancel?
Max is billed twice, and 4 subscriptions look unused. That's $134/month.
How it works
Clarity in three steps.
1. Connect
Securely link banks, cards and loans through Plaid in about two minutes.
2. Understand
MonthlyIQ finds your obligations, variable bills, transfers and leaks automatically.
3. Take control
Confirm what matters, cut what doesn't and watch your Monthly Nut every day.
Security
Built for data this important.
Secure connections
Bank connections run through Plaid. We never see or store your bank passwords.
Private by design
Your financial data is not an advertising product. We never sell it.
You stay in control
Disconnect accounts or delete everything at any time.