Your Complete Financial & Identity Protection Platform
HQ combines powerful financial management tools with comprehensive identity protection—all in one secure platform. Create AI-powered budgets, track your goals, monitor your credit, protect your identity, and secure your digital life. Start your free trial today and take control of your financial future.
Everything You Need to Manage Your Finances & Protect Your Identity
AI-Powered Budgets
Let our AI analyze your spending patterns and create personalized budgets that actually work. Get intelligent recommendations based on your financial history and goals.
Goal Tracking
Set and track financial goals with automatic progress monitoring. Whether you're saving for a house, paying off debt, or building an emergency fund, we'll help you stay on track.
Automatic Transaction Tracking
Connect your bank accounts securely and watch as transactions are automatically categorized and synced. No manual data entry required—your finances update in real-time.
Spending Analytics
Visualize your spending with interactive charts and insights. Understand where your money goes, identify trends, and make informed financial decisions.
Net Worth Tracking
Get a complete picture of your financial health with automatic net worth calculations. Track your assets, liabilities, and watch your wealth grow over time.
Financial Calendar
Never miss a payment or budget reset. Our calendar system tracks paydays, recurring payments, and budget cycles to keep you organized and on schedule.
Dark Web Monitoring
24/7 monitoring of the dark web for your personal information. Get instant alerts if your email, SSN, credit card, or other sensitive data appears in data breaches or on dark web marketplaces.
Identity Theft Insurance
Comprehensive identity theft insurance coverage to protect you financially if you become a victim. Get peace of mind knowing you're covered for expenses related to identity restoration.
Identity Restoration Services
If identity theft occurs, our professional restoration team will guide you through every step of recovery. Get expert assistance to restore your credit and clear your name.
Credit Monitoring
Monitor your credit score and reports from all three major bureaus. Get alerts for credit inquiries, new accounts, and changes to your credit profile.
Zero-Knowledge Password Vault
Store passwords, credit cards, secure notes, and identities in an encrypted vault. Your master password never leaves your device—we can't see your data even if we wanted to.
TOTP Authenticator
Generate secure two-factor authentication codes directly in HQ. Store your TOTP secrets in an encrypted vault and access your 2FA codes whenever you need them.
Recurring Payment Detection
Automatically identify and track recurring subscriptions and bills. Never be surprised by forgotten subscriptions or unexpected charges again.
Financial Journal
Keep notes and insights about your financial decisions. Track your thoughts, goals, and progress in a secure journal that's synced across all your devices.
Choose the Plan That's Right for You
We're offering 50% off all plans during our beta period! All plans include bank-level security and zero-knowledge encryption.
MoneyHQ
- ✓ Automated budgeting
- ✓ Connected accounts
- ✓ Goals
- ✓ Journals
HQ Pro
- ✓ Everything in MoneyHQ
- ✓ AI-powered budget generation
- ✓ Bank account connections
- ✓ Advanced analytics & charts
- ✓ Credit monitoring
HQ Ultra
- ✓ Everything in Pro & Security
- ✓ Full identity protection suite
- ✓ Priority support
- ✓ Family sharing
- ✓ All premium features
HQ Security
- ✓ Everything in MoneyHQ
- ✓ Password vault
- ✓ TOTP authenticator
- ✓ Credit monitoring
- ✓ Identity protection
What Our Users Are Saying
"HQ has completely transformed how I manage my finances. The AI budget feature actually understands my spending patterns, and I love that I can track everything in one place. The identity protection gives me peace of mind, and the password vault is incredibly convenient. Best financial tool I've ever used!"
— Sarah M., HQ Pro User
"As someone who's been a victim of identity theft before, the dark web monitoring and identity protection features are invaluable. I got an alert within hours when my email appeared in a data breach. The financial tools are great too—I've paid off $15,000 in debt using their goal tracking and budgeting features. Highly recommend!"
— Michael R., HQ Ultra User
Frequently Asked Questions
Is HQ really free to start?
Yes! Our free tier includes basic budgeting tools, goal tracking, financial journal, and access to our Knowledge Hub. You can use HQ free forever, and upgrade anytime to unlock advanced features like AI budgets, bank connections, identity protection, and security tools.
How secure is my financial data?
We use bank-level encryption and partner with Quiltt, a trusted financial data aggregator, to securely connect your accounts. Your password vault uses zero-knowledge encryption, meaning your passwords are encrypted on your device before they ever reach our servers. We also offer SOC 2 compliant infrastructure and never store your banking credentials.
What's included in identity protection?
Our identity protection includes 24/7 dark web monitoring for your personal information (email, SSN, credit cards, etc.), identity theft insurance coverage, professional identity restoration services if you become a victim, and credit monitoring from all three major credit bureaus with instant alerts.
Can I cancel my subscription anytime?
Absolutely. You can cancel your subscription at any time from your account settings. You'll continue to have access to premium features until the end of your billing period, then your account will automatically revert to the free tier.
How does the AI budget generation work?
Our AI analyzes your actual spending patterns from connected accounts over the past 3 months. It identifies your spending categories, recurring payments, and income patterns to create a personalized budget that reflects your real financial behavior. You can then adjust it to match your goals.
What banks can I connect?
We support connections to over 11,000 financial institutions in the United States through our secure partner, Quiltt. This includes major banks, credit unions, investment accounts, credit cards, and more. If your institution isn't supported, you can still use HQ with manual transaction entry.
Ready to Take Control of Your Financial Future?
Join thousands of users who are already managing their finances and protecting their identity with HQ. Start your free trial today—no credit card required.
