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  • Money IQ: Net Worth & AI Coach screenshot 1
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About Money IQ: Net Worth & AI Coach

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 • 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 — your first playbook is free, before you link a bank • 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 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.

What’s new

Version 5.0.6 · Updated October 20, 2026

Cash now shows every account behind it, flags an overdrawn account, and shows how recently each bank synced. Tap safe-to-spend or net worth to see exactly how the number was built. A thumbs-down on a coach reply now asks what went wrong, and Report an issue can email you when it is fixed, with your reports and replies in Settings under My reports.

App privacy

The developer, Benjamin Harvey, reported these privacy practices to Apple.

Data Linked to You

The following data, which may be collected and linked to your identity, may be used for the following purposes:

  • Contact Info: Email Address
  • Usage Data: Product Interaction
  • Purchases: Purchase History
  • Financial Info: Other Financial Info
  • User Content: Other User Content
  • Identifiers: User ID

Used for: Developer’s Advertising or Marketing, Analytics, App Functionality

Data Not Linked to You

The following data, which may be collected but is not linked to your identity, may be used for the following purposes:

  • Diagnostics: Crash Data

Used for: App Functionality

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