into bills, savings, investments, and discretionary spending using machine learning and payment initiation between user accounts. The built-in Ask IQ assistant, powered by Claude, answers user questions using transaction and goal data, and supports features such as goal tracking, net worth tracking, and financial reporting. earmarkIQ also offers partner finance tools for couples, a financial product marketplace funded by affiliate commissions, and gamified elements like streaks, challenges, and XP. In addition, the company provides free web-based calculators and guides for UK tax, salary budgeting, and profession-specific take-home pay.