Everyday money
Accounts and transactions
Record money in or out in seconds. Keep every bank account and card separate, with searchable history and flexible categories.
- Opening balances and dates
- Account and category filters
- Clear transaction history
Your personal balance sheet
See everything you own, owe, and manage in one place.
BalanceIQ brings accounts, cards, financing, assets and expenses into one clear view, without forcing unlike numbers into the same balance.
Personal is free forever. Every feature is included for up to five financial entities.
BalanceIQDashboardTransactionsInsightsBudgetsAccountsCompanies+ Add Transaction
Dashboard
Your overall position across accounts and cards.
Consolidated in USD · Rates as of today
Overview
Net worth
USD 684,250
Cash minus debt, plus other assets
Cash across accounts
USD 126,840
Across all bank accounts
Credit cards
Revolving card balance
USD 4,280
Repayment plans
USD 7,940
Total owed
USD 12,220
Available credit
USD 27,780
Financing
Total: USD 238,600 outstanding
Home mortgage
MortgageUSD 214,500
Linked to Household Account · ends Jun 2041
Vehicle loan
Auto loanUSD 24,100
USD 620 monthly · ends Sep 2029
Other assets & liabilities
Net USD 808,230 across 5 arrangements
Assets
USD 843,230
Liabilities
USD 35,000
Money in vs out (USD)
1W 1M 3M 6M 12M
● Money in USD 42,680● Money out USD 31,940
Expenses per company
Northstar StudioUSD 7,820
Acme ConsultingUSD 4,160
One coherent record
More than a single headline number.
Net worth matters, but it cannot explain your card plans, available credit, monthly movement or which company incurred an expense. BalanceIQ keeps those details visible.
Fast manual entry
Add a debit or credit with the amount, date, account, category and optional company.
Currency-aware
Keep original transaction values and explicit exchange rates alongside converted base amounts.
Focused reporting
Filter by account, category and useful time windows, with totals for money in and out.
Honest separation
Cash, credit-card debt, financing, assets and liabilities remain distinct and understandable.
Built for the whole picture
The details your financial life actually contains.
Each part has its own logic and place, while still contributing to a useful overview.
Credit
Cards, without blurred numbers
See revolving balances and repayment plans separately, then understand the total owed without counting the same debt twice.
- Balance conversions
- Installment plans
- Available credit
Financing
Loans stay connected
Track mortgages, loans and overdrafts alongside cash, while keeping financing distinct from everyday account balances.
- Linked repayments
- Outstanding balances
- Overdraft availability
The wider picture
Assets and liabilities
Keep property, investments and other arrangements in their own place, with native values and reporting-currency totals.
- Multiple arrangements
- Manual exchange rates
- Market-rate updates
Company expenses
Separate work from personal
Associate transactions with a company, review totals by currency and export a precise date range when you need it.
- Automatic company category
- Date-range CSV exports
- Currency-aware totals
Reporting
Trends you can interrogate
Compare money in and out over useful time windows, filtered to the account and category you actually want to inspect.
- 1 week to 12 months
- In and out totals
- Account-level trends
InsightsLast 3 monthsAll accountsAll categories
Money in
USD 6,140
Money out
USD 4,320
Net
+USD 1,820
Money out by category
USD 4,320
Housing42%
Other20%
Groceries18%
Transport11%
Dining out9%
Money in by category
USD 6,140
Salary68%
Freelance19%
Other7%
Interest6%
Moves between your own accounts are excluded, so nothing is counted twice.
Insights
See where the money goes.
Break your spending and income into categories as percentages, filtered to the accounts and time frame you choose. Click any category to open the individual transactions behind its share.
Money moved between your own accounts is never counted as spending or income.
Budgets
Give every month a plan.
Set a budget for money coming in and going out, category by category. Start with your own history, adjust each month by hand, and compare your plan with what actually happened.
Keep different budgets for different periods and accounts, then choose which one appears on your dashboard.
Budgets
Monthly budgets for money out and money in per category.
ViewMonthQuarterHalf yearYear
Fill from historyHousehold plan
Sep 2026 to Nov 2026 · All accounts · USD
| Category | All months | Sep 26 | Oct 26 | Nov 26 |
|---|---|---|---|---|
| Money in | ||||
| Income | 6,200 | 6,2006,180 | 6,200 | 6,200 |
| Rent income | 900 | 900900 | 900 | 900 |
| Total money in | 7,100 | 7,100 | 7,100 | |
| Money out | ||||
| Housing | 1,800 | 1,8001,800 | 1,800 | 1,800 |
| Food & Dining | 550 | 550610 | 550 | 550 |
| Utilities | 220 | 220195 | 220 | 220 |
| Total money out | 2,570 | 2,570 | 2,570 | |
| Balance | ||||
| Net | 4,530 | 4,530 | 4,530 | |
Top figure: budget · smaller figure: actual so far
Your numbers, your currency
Built for money that crosses borders.
Choose your reporting currency, keep every account in its own base currency and preserve the original value of foreign transactions. Other assets and liabilities can use manual or updated market rates.
A purchase across currencies
Everyday account · AED · Reporting in USD
Travel booking
Original purchase · EUR
EUR 250.00
Booked to your account
Account currency · AED
AED 1,000.00
In your overall view
Reporting currency · USD
USD 272.30
Pricing by complexity
Every feature. A limit you can understand.
Personal is free forever for up to five active accounts, cards, loans, assets or liabilities. Portfolio removes that limit as your financial life grows.
Portfolio Monthly
4.99
USD per month
Portfolio Yearly
Save 18%49.00
USD per year
Founder Lifetime
One-time99.00
USD once. Available 1 October 2026 until 30 September 2027.
Unlimited entities forever, every future Portfolio feature, and a founder badge.