Coming Soon to iOS

Your checking account,
always investing.

SweepIQ automatically maintains your checking account target balance, builds your emergency fund, and invests your excess cash — you set the rules, SweepIQ does the rest.

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How It Works

Set it once. It runs itself.

SweepIQ runs on a simple set of rules you define. During setup, SweepIQ opens a brokerage account with Alpaca Securities on your behalf — this account holds your emergency fund cash and growth investments. Every week it checks your balance and acts automatically — no logging in, no manual transfers, no thinking about it.

Connect your existing bank

Securely link your existing checking account via Plaid. No new account to open, no new bank to sign up for. Your credentials are never stored by SweepIQ.

Set your target balance

Tell SweepIQ how much to keep in checking. We'll recommend an amount based on your spending history, or you can set your own. This becomes your floor — SweepIQ never lets your balance drop below it.

Build your emergency fund

Set a cash reserve target — typically 3 months of expenses. SweepIQ fills your emergency fund first before investing anything. It sits in a separate cash bucket within your brokerage account, FDIC insured, ready when you need it.

Invest the rest automatically

Once your emergency fund is fully funded, surplus above your checking target gets invested automatically in the ETF you choose. The investment decision is always yours — SweepIQ just executes it.

SweepIQ covers you when needed

If your checking balance dips below your target, SweepIQ transfers funds back automatically — from your emergency cash first, then your growth portfolio if needed. No action required from you.

Watch it compound

Every dollar above your target goes to work instead of sitting idle. SweepIQ tracks every transfer and your total earnings in a clean dashboard so you can see the impact over time.

The Story

"I spent over a decade in Treasury, implementing the same automated cash management strategy at the institutional level to help organizations put excess cash to work and generate more income. However, nothing like this exists for individuals, so I was always left having to do this manually for myself - logging into my bank and moving excess money from my checking account to my brokerage account every week for years. After a decade of doing this for companies and for myself, I saw the financial benefit of putting even a few excess dollars to work. So I built the tool I always wished existed - SweepIQ - and now it handles all this automatically."

Scott

Founder, SweepIQ · Treasury Professional

No percentage fees.

SweepIQ charges a simple flat monthly fee — never a percentage of what you invest. We never profit from how much you put to work.

Full visibility

Every sweep is logged in a clean mobile dashboard. See exactly what moved, when, and why — with total invested and earnings tracked over time.

SweepIQ is a financial automation tool, not an investment advisor. Your target balance and ETF selections are your own decisions made at your sole discretion.
SweepIQ does not provide investment advice. Transferring funds to a brokerage account involves risk including possible loss of principal. SweepIQ LLC is not a registered investment adviser.

Your checking account,always investing.