One platform. Every tier, priced in credits.
Every plan runs the full platform — IQ Books, ReconcileIQ, CodeIQ, LedgerIQ and PrepIQ. One monthly price, with a generous credit allowance that covers normal use. If a busy month ever runs you over, you're not cut off — just capped pay-as-you-go you can switch off. Monthly, annual (15% off), or one-off.
Individual Plans
Freelancers, bookkeepers, and solo accountants. Credits refresh monthly, and unused credits roll over as bonus credits that never expire.
Start Free
Try the whole platform with one-off credits. No card, no expiry.
- One personal login
- Full platform, every feature, every integration
- No card, no expiry
Starter
Essentials for small practices or solo bookkeepers clearing one or two books a month.
- One personal login
- Full platform, every feature, every integration
- ≈ 5,000 bank lines reconciled, or 1,250 transactions fully coded, a month
Accountant
Full bookkeeping automation for working accountants with a steady client book.
- One personal login
- Full platform, every feature, every integration
- ≈ 25,000 bank lines reconciled, or 6,250 transactions fully coded, a month
Practice Plans
Firms managing multiple client books. Every client gets their own login and credit allocation. Your practice plan governs how many client accounts you can connect. PrepIQ is in private beta, with practices prioritised for year-end working-paper workflows.
Practice Essential
Small firms clearing a handful of client books. Each client gets their own login, their own credits.
- 250 free client accounts
- Each with their own login, dashboard & monthly credits
- Full platform, every feature, every integration
- PrepIQ year-end working papers (private beta)
Practice Pro
Growing firms with deeper client books. More clients, more headroom, lower overage rate.
- 2,500 free client accounts
- Each with their own login, dashboard & monthly credits
- Full platform, every feature, every integration
- PrepIQ year-end working papers (private beta)
Enterprise
Networks, outsourcing shops, and large practices managing thousands of client books.
- 20,000 free client accounts
- Each with their own login, dashboard & monthly credits
- Full platform, every feature, every integration
- PrepIQ year-end working papers (private beta)
Client accounts, explained
Every client gets their own login, their own credit allocation, their own workspace. Your practice plan governs how many client accounts you can connect, not a shared credit pool.
Add a client
Connect a new client from your practice dashboard. Each client is a separate account with its own login.
Each client, own credits
Client accounts have their own monthly credit allocation. No shared pool, no credit conflicts between books.
Switch between books
Move between client workspaces from the practice dashboard. Every book stays isolated, every login independent.
Scale up
Outgrowing your client-account limit? Upgrade tier at any time. More clients, same practice login.
PrepIQ does the year-end, too.
Hand RiQ a client's records and PrepIQ prepares the full working-papers set — extended trial balance, fixed-asset and capital-allowance schedules, finance reconciliations, VAT and the tax computation, every figure cell-linked and ready for your review. Sole trader or limited company, with accountant sign-off still in your hands.
Five products, one login.
AI accounting platform
- Bank coding, VAT and invoice matching
- Client books kept current for review
- Practice client accounts and dashboards
- Feeds reconciliation, analysis and year-end workflows
Bank reconciliation
- PDF → CSV for any bank
- High-throughput matching engine
- Discrepancy resolution workflow
- QuickBooks, Xero, Sage, Pandle
Automated bookkeeping
- 9-phase coding pipeline
- Merchant intelligence + pattern learning
- VAT classification on every row
- Bulk review and batch posting
Financial analysis
- 30+ analysis modules
- GL and trial balance ingestion
- PDF board packs + Excel exports
- Plain-English explainers throughout
Year-end working papers
- Extended trial balance, ready to review
- Fixed-asset, capital-allowance & finance schedules
- VAT and the tax computation, cell-linked
- Sole trader & limited company
IQ Books, ReconcileIQ, CodeIQ, LedgerIQ & PrepIQ in one suite · Private beta workflows labelled clearly · Annual billing saves 15% · Cancel anytime
Everything worth asking first.
How do credits work?
Subscription credits refresh each billing cycle: you get a fresh allocation monthly. Bonus credits (from one-off purchases or unused monthly credits) never expire and are used after your monthly allocation. Go past both and you are not stopped: pay-as-you-go is on by default on paid tiers, charging only for credits beyond your allowance at your tier rate (£0.50 minimum; any extra credits become bonus credits), up to a monthly cap you set. Prefer a guaranteed fixed cost? Switch pay-as-you-go off any time for a hard stop.
Will I be charged more than the plan price?
For most users the monthly price is the whole bill — your included credits cover normal use, and most months you'll stay well within them. If a busy month does run you past your allowance, you're not blocked: pay-as-you-go continues at a small per-credit rate (from £0.002 on Starter down to £0.0005 on Enterprise), capped so you're never billed past your limit. Prefer a guaranteed fixed cost? Switch pay-as-you-go off for a hard stop.
What counts as a credit?
Credits scale with the depth of the work: 1 per reconciled bank line, 2 per transaction parsed from a PDF statement, 4 per transaction fully coded (categorised, VAT-classified and posted), and 2,000 for a full LedgerIQ analysis. Internal steps, retries, and test runs never count.
Can I change plans later?
Yes. Upgrade or downgrade anytime. Plan changes prorate automatically and take effect immediately.
Is my data secure?
We use bank-grade encryption, OAuth for integrations, and apply the strictest GDPR standards. SOC 2 journey in progress.
Do you offer discounts for nonprofits?
Yes. Contact us for nonprofit and education pricing.
Want to try it properly but worried the free tier isn't enough?
Just ask. Drop us an email at [email protected] and we'll add bonus credits to your account so you can test it out properly. No strings attached.
How are practice client accounts different from users?
Client accounts are separate logins for the books you service. Each client account has its own credit allocation, its own workspace, and its own login. Your practice plan decides how many client accounts you can connect.
From transactions to decisions, in one platform.
1,000 one-off credits on the house. No card required.