Budget planner
A monthly budget that checks itself against what you spend.
Set one number for the month. WellthIQ counts your real spending from bank SMS and tells you how much you can still spend each day to stay on track.
Free on Android · Bank SMS stays on your phone · No ads
How it works
Three steps, then it runs itself.
Step 1: Set your monthly budget
Choose how much you want to spend this month. One number is enough to start.
Step 2: Spending is counted for you
Every payment in your bank SMS alerts counts against the budget as it happens.
Step 3: Check your pace
See what is spent, what is left and how much you can spend per day for the rest of the month.
What it does
Budgeting without the bookkeeping.
Monthly budget pacing
Spent so far against your budget, with a daily allowance that adjusts as the month goes on.
Where it went
Spending split by category, so you know which part of the month to rein in.
No manual entry
Payments come from your bank SMS alerts, so the budget is always up to date without typing.
Income and savings
Income for the month and the share you saved, alongside what you spent.
Last month, at a glance
A summary of last month on day one, so your first budget starts from real numbers.
Counts toward your score
Staying within budget improves the Budget pillar of your Financial Health Score.
Spending
Transactions
Why it works
Why a budget app beats a budget spreadsheet.
A budget only helps if you know where you stand before the month runs out. Spreadsheets depend on you entering every expense, so they fall behind within days and the budget is forgotten.
WellthIQ counts spending from the bank alerts on your phone, so your budget reflects reality the moment a payment goes through. The daily allowance turns a monthly number into a decision you can make today: spend it, or save it.
Start simple with one monthly figure. As you see where money goes by category, you can decide what to change, which is the point of a budget in the first place.
Frequently asked questions
Free on Android
Know where your money stands.
Link your accounts and get your full Financial Health Score, calculated from your real transactions, pillar by pillar, not self-reported.
No spam, ever. Your data stays on your device.