PhonIQ
Phone · Messages · Money

Know every call. Track every rupee.

One smart app for your calls, SMS and spending. Everything is worked out on your phone.

See it in action In testing on Google Play: be a tester
PhonIQ on a phone: recent calls, the sorted inbox, Money and Ask AI.
PhonIQ in action: an incoming call with a caller hint and a spam warning, an OTP with Copy, the Money tab and the theme gallery.

Recorded on a phone running PhonIQ, with made-up messages and numbers.

Three apps in one

PhonIQ becomes your phone and SMS app, so it can make sense of both, and of the money in between.

Phone

Recents that read clearly, spam calls flagged before you answer, and call recording where the law allows it.

Messages

An inbox sorted into personal, payments and offers. OTPs come ready to copy.

Money

Spending built from your bank SMS, with budgets, categories and bills due. Nothing to type in.

Watch it happen

What PhonIQ does when a bank SMS arrives.

Diagram: a bank SMS arrives, PhonIQ reads it on your phone, the payment is added to Money and your month updates. Nothing is sent to our servers.never sentA bank SMS arrivesPhonIQ reads it on your phoneThe payment is added to MoneyYour month updatesOur servers

Everyday moments, handled

An OTP SMS arrives: PhonIQ shows the code in a notification and in the inbox, then Money shows the payment.

OTP ready to copy

The code shows up big, with one tap to copy it.

PhonIQ's recent calls, then an incoming call from a number flagged as spam.

Spam warned before you answer

Numbers you marked as spam, or on PhonIQ's built-in spam list, get a clear warning while they ring.

An incoming call from a courier's number: PhonIQ shows it is known from an SMS, then the call is answered with a slide.

Know who's calling

A number your courier or bank sent you by SMS is named while it rings, from your own messages.

PhonIQ's Upcoming list: an overdue phone bill with Pay, a parcel with Track and a train with Copy PNR.

Bills, deliveries and trips

One list of what is due or arriving: pay the bill, track the parcel, copy the PNR.

During a call, the call screen is put aside, the bank's SMS is opened, and the green bar returns to the call.

Read a message mid-call

Put the call aside, check the SMS you need, then tap the green bar to come back.

Ask AI lists the bills due soon, found in SMS.

Bills before they are due

Due dates from your SMS line up in one list, so nothing slips.

Ask AI

Ask about your own messages and money

Answers are worked out on your phone, with on-device AI on phones that support it.

  • How much did I spend on food this month?
  • Which bills are due this week?
  • Who called me most this week?

Ask in English for now.

Ask AI answers how much was spent this month, on the phone.
Themes

Make it yours

40 themes with matching app icons. Pick one and PhonIQ recolours at once.

  • Every theme comes in light and dark.
  • Change colours, font and text size to suit you.
  • Pro themes come with PhonIQ Pro, a one-time purchase.
PhonIQ's theme gallery: a theme is previewed and applied, and the app recolours.

Your data, your phone

What stays on your phone, what is optional, and how ads work.

Stays on your phone

Your messages, call history, contacts and money data are read and stored on your phone. They are not uploaded to us.

Only if you turn it on

PhonIQ Chat sends end-to-end encrypted messages and is off until you switch it on, in the countries where it is offered. Drive backup saves to your own Google Drive, encrypted with a passphrase you choose.

How ads work

Ads appear only as rows in some lists: the Messages inbox, Recents and Money's More section. Never in a conversation, during a call, in OTPs or bank threads. They are chosen by the screen they are on, never from your SMS, calls or money. Personalised ads stay off unless you turn them on, and PhonIQ Pro removes ads.

Read the privacy policy

Home-screen widgets

Missed calls and the latest OTP, bills due, and what you spent this month, right on your home screen.

Backup on your Drive

Back up to your own Google Drive, encrypted with a passphrase you choose.

App lock

Keep PhonIQ behind your fingerprint, face or screen lock.

Be a tester

PhonIQ is in testing before its Google Play launch. Android phones only.

  1. Join the tester group with your Gmail.
  2. Install PhonIQ from the Play Store link you get.
  3. Keep it installed for 14 days and open it now and then. Making it your default phone or SMS app is up to you.
Join the tester group

Questions

Is PhonIQ free?

Yes. Some lists show an ad row; PhonIQ Pro removes ads and adds extra themes.

Which phones does it work on?

Android phones on Android 15 or later.

Does PhonIQ upload my SMS?

No. Messages are read on your phone. Only PhonIQ Chat and Drive backup use the internet for your data, and both are off until you turn them on.

Do I have to make it my default app?

To read and send SMS and handle calls, Android needs PhonIQ to be your default phone and SMS app. You can switch back any time in Settings.