Take Control of
Your Money.
BuxIQ is your AI-powered personal finance OS. Auto-track expenses, get smart insights, hit your goals - all in one beautifully simple app.
Sound familiar?
"Where did my money go?"
You earn well, but by month-end, you're wondering what happened. No app could explain it.
"I hate manual tracking"
You tried spreadsheets, budgeting apps - all require too much effort. You gave up in week 2.
"AI finance tools are too expensive"
Smart financial advice is locked behind premium tools built for the wealthy. That's not fair.
"Family finances are chaos"
You and your partner track money separately. There's no shared view, no accountability.
"UPI/SMS data goes to waste"
Every bank SMS has your spend data - but no app actually reads and organizes it for you.
"Goals feel impossible"
You set financial goals but have no system to actually reach them. They stay on a wishlist.
BuxIQ fixes all of this.
Everything you need to master your money
BuxIQ combines automatic tracking, AI intelligence, and family finance in one place.
Every rupee tracked. Automatically.
BuxIQ reads your bank SMS and UPI alerts in real-time. Every transaction - HDFC, SBI, GPay, PhonePe - is captured and logged the moment it happens. Zero manual entry.
Your AI knows Zomato from Zerodha.
Our AI categorizes every merchant automatically. Swiggy → Food. Ola → Transport. Netflix → Entertainment. It learns from your corrections and gets smarter every week.
Ask anything about your money.
Chat with BuxIQ's AI in plain English. "How much did I spend on food last month?" "Am I on track for my savings goal?" "Where can I cut back?" Real answers, instantly.
Set it. Track it. Nail it.
Create monthly budgets per category. BuxIQ alerts you before you overspend. Set savings goals with deadlines - BuxIQ shows you exactly how to reach them faster.
Know your score. Share it. Beat your friends.
Your BuxIQ Financial Health Score (0–100) tracks your overall money discipline. Share it on Instagram. Join money challenges. Compete on leaderboards. Finance, gamified.
One household. One financial view.
Switch to Family Mode to manage money together. Shared budgets, household activity feed, allowances for children, spending limits per member. Finally, financial clarity for the whole family.
Stop paying for things you forgot about.
BuxIQ automatically detects all your recurring charges — Netflix, Hotstar, Spotify, gym memberships, SIPs, EMIs. See every subscription in one place with next billing dates and total monthly cost. Cancel what you don't use in seconds.
- Auto-detected from SMS transactions
- Next billing date reminders (3 days before)
- Monthly recurring cost total
- Unused subscription alerts
Your AI watches your money 24/7. You just live your life.
Most finance apps make you check in. BuxIQ’s Money Autopilot checks in on you. It sends a morning brief with your day’s financial picture, fires guardrail alerts before you overspend, flags unusual transactions, and spots savings opportunities you’d never notice yourself.
- Daily AI morning brief — your finances in 30 seconds
- Spending guardrails — alerts before you overspend
- Duplicate charge & anomaly detection
- Proactive savings suggestions based on your patterns
Finance is more fun when there’s a leaderboard.
Unlock achievements for good money habits. Join weekly challenges with your friends. Share your Financial Health Score on Instagram. Climb the leaderboard. BuxIQ turns personal finance from a chore into a game you actually want to play.
- 50+ achievements — Budget Master, Savings Champion, Streak King
- Weekly money challenges with friends
- Shareable score cards for social media
- Friend leaderboard — who has the best money habits this month?
Up and running in 3 minutes
No spreadsheets. No manual entry. Just clarity.
Download BuxIQ
Free on Android and iOS. Takes 30 seconds.
Grant SMS Permission
BuxIQ reads your bank alerts & UPI messages. No sharing bank login.
Money, Mastered
Watch your finances organize themselves - automatically.
Your bank password is never required. We only read SMS alerts.
See BuxIQ in action
Start free. Upgrade when you're ready.
No credit card required. Cancel anytime.
Prices shown are in INR and inclusive of all applicable taxes (18% GST). Final charges are in INR. International prices are approximate and exclude local taxes.
⚠️ BuxIQ is not a SEBI-registered investment advisor. AI insights are for informational purposes only.
Questions? Email support@buxiq.app
Questions about pricing? Email us at support@buxiq.app
20 new features. Zero extra cost.
Built from analysing 13 global competitors. Every feature ships free or with your existing plan.
Safe to Spend
Income minus bills, budgets, goals, EMIs = your true disposable amount. Updated in real time.
FreeHidden Charge Scanner
AI scans 3 months of transactions for forgotten trials, duplicate charges, and hidden fees.
ProHome Screen Widgets
Glanceable Safe to Spend and budget progress on your iOS and Android home screen.
Pro45+ Currencies
Track spending in any currency with daily exchange rates. Perfect for travellers and NRIs.
FreeBuxIQ Coins
Earn coins for streaks, challenges, and referrals. Redeem for Pro trials and custom icons.
FreeAuto Savings Rules
Round up every purchase, save % of income, or trigger on category spends. Fully automated.
ProBudget Rollover
Unused budget carries forward to next month. No more "use it or lose it" pressure.
FreeSpending Pace
"Am I on track?" — see daily allowable spend per category based on remaining budget and days.
FreeEmergency Fund
3/6/9 month target calculated from your actual average spending. Track progress toward safety.
FreeTags & Split Transactions
Tag trips, projects, or events across categories. Split one payment across multiple budgets.
FreeAI Education
Behaviour-triggered money lessons. Overspend on food 3 months? Get a personalised saving lesson.
ProFamily Comments
Discuss shared expenses in-app. "Was this the shoes?" — right on the transaction detail.
FamilyBuxIQ speaks your language.
70% of India prefers their regional language over English. BuxIQ is built for real people, not just English speakers.
All financial terms carefully translated by native speakers. Number formatting uses local conventions (₹12,34,567 for India · RM 1,234,567 for Malaysia).
In the app - and what's next
Features shipping in v1.0. Already on the waitlist? You get early access the moment each goes live.
Bill Calendar
See all upcoming bills in one calendar view. BuxIQ auto-detects recurring bills and alerts you 3 days before due date.
Anomaly Detection
AI flags duplicate charges, sudden category spikes, and suspicious transactions the moment they happen.
Financial Education
Bite-size money lessons built for India. UPI habits, emergency funds, SIP basics, credit score explained.
EMI & Loan Tracker
Track all your active loans in one place. See your debt-free date. BuxIQ calculates the fastest payoff strategy automatically.
Tax Summary Export
One-tap ITR-ready expense summary. Export your categorised annual spend, subscription costs, and medical expenses for your CA.
WhatsApp Quick Log
“Spent ₹340 on food” — just message BuxIQ on WhatsApp. It logs the expense, categorizes it, and sends a confirmation.
Account Aggregator API
Connect your bank accounts securely via India's Account Aggregator framework. Real-time balance and transaction sync with zero screen scraping.
SIP & Investment Auto-Track
Auto-detect mutual fund SIP deductions from SMS. See your investment portfolio grow alongside your spending data.
Voice Commands
"Hey BuxIQ, how much did I spend on food?" — hands-free expense queries and quick-add via voice in Hindi and English.
Already on the waitlist? You get early access to every feature the moment it ships. Join 10,000+ on the waitlist →
Trusted by thousands managing their money smarter
"Finally an app that reads my UPI messages! I used to forget half my expenses. BuxIQ caught ₹14,000 I didn't even realize I spent on delivery apps last month. 🤯"
"The AI assistant is a game-changer. I asked it 'Am I saving enough for my Goa trip?' and it gave me a real breakdown. No other app does this."
"We used to fight about money. Family Mode showed us both where our household money was going. Honestly saved our relationship 😂 (and ₹8K a month)."
"My dad gave me a monthly allowance but I'd always run out. BuxIQ showed me I was spending 60% on food delivery. Shocking. Fixed it in 2 weeks."
"I've tried every budgeting app. This is the first one I've used for more than a week. The categories set themselves - I literally do nothing."
"My Financial Health Score went from 42 to 71 in 3 months. BuxIQ told me exactly what to fix. This is what a personal finance coach would cost ₹5,000/hr for."
Got questions? We've got answers.
Never. BuxIQ only reads SMS alerts from your phone - the same messages you already receive. We never ask for your bank login, netbanking password, or any financial credentials. Your bank data stays on your device. We use bank-grade 256-bit AES encryption for everything stored.
BuxIQ works with all major Indian banks including HDFC, SBI, ICICI, Axis, Kotak, Yes Bank, and 40+ more. It supports UPI apps including GPay, PhonePe, Paytm, BHIM, and Amazon Pay.
Yes! BuxIQ is free to start with no credit card required. The Free plan includes auto-tracking, basic budgets, and your Financial Health Score. Upgrade to Pro (₹299/month) for AI chat, family mode, unlimited goals, and more.
Yes. While we're optimized for India (UPI, INR), BuxIQ supports international currencies and works in Singapore, Malaysia, Indonesia, Philippines, and Thailand.
Absolutely. Switch to Family Mode to create a household, invite members, track shared budgets, manage children's allowances, and see a unified family financial dashboard. Available on the Pro plan.
Your BuxIQ Financial Health Score is a 0–100 score calculated from your savings rate, budget adherence, spending patterns, debt ratio, and goal progress. It's like a credit score, but for your daily money habits. You can share it on social media and track it over time.
Email us at support@buxiq.app - we respond within 24 hours on business days. You can also use the in-app AI assistant for instant answers.
Yes! BuxIQ is available as a web app at app.buxiq.app — works in any modern browser on desktop, laptop, or tablet. Your data syncs across mobile and web automatically. The web app has full keyboard navigation and WCAG 2.1 AA accessibility.
Yes, completely. Open the BuxIQ app → Settings → Danger Zone → "Delete My Account". This permanently erases all your transactions, budgets, goals, AI history, and profile within 30 days. You can also email support@buxiq.app with the subject "Delete My Account" and we'll process it within 7 business days. Deletion is always free and requires no reason.
Ready to take control of your money?
Join thousands of Indians who've already transformed their finances.
🎉 You're on the list! We'll be in touch at
🎁 Refer a friend when the app launches — both of you get 30 days Pro free. Referral links will be emailed on launch day.
🔒 No spam. No selling your data. Just BuxIQ updates.