How It Works
Get started in minutes. From your first paycheque setup to scanning your first receipt, it's simple.
Set Up Your Income
Enter your net pay amount, frequency (weekly, bi-weekly, etc.), and first pay date. Cost CheqMate will automatically calculate your pay periods.
Create Your Budget Categories
Set up categories like Groceries, Rent, Entertainment with annual budgets. Link them to bank accounts to know exactly how much to transfer each payday.
Scan & Track Every Receipt
Simply photograph your receipts. Our AI extracts the details and categorizes them automatically. Watch your budget update in real-time!
Powerful Features
Everything you need to manage your personal finances, designed for how you actually live and get paid.
Smart Receipt Scanning
Snap a photo of any receipt and our AI-powered OCR extracts the merchant, amount, and date automatically. No more manual entry!
Intelligent Budget Management
Set annual budgets for each category and track spending in real-time. Visual progress bars show exactly where you stand.
Bank Account Allocations
Link budget categories to specific bank accounts. Know exactly how much to transfer each paycheque to your savings, debt paydown, or suspense accounts.
Pay Period Calendar
View your entire financial picture organized by pay period. See income, budgets, expenses, and bank transfers all in one spreadsheet-style view.
Additional Income Tracking
Received an e-transfer? Cash gift? Side hustle income? Track all additional revenue streams alongside your regular paycheque.
Comprehensive Reports
Beautiful charts and analytics show spending trends by category and month. Identify patterns and make informed financial decisions.
Why Choose Cost CheqMate?
Lightning Fast OCR
AI-powered receipt scanning takes seconds, not minutes
Mobile Friendly
Works beautifully on any device, anywhere you are
Secure & Private
Your financial data stays protected with enterprise-grade security
Pay Period Focused
Built around how you actually get paid, not arbitrary months
Version History
We're constantly improving. Here's what's new.
v1.4.0LatestPremium
March 2026- Introducing Cheqs gamification system - earn rewards for using the app!
- Added 7-day login streak rewards (+100 Cheqs)
- New Edit Expenses module - view and modify all your expense entries
- Pay Period Calendar now has a sticky header for better navigation
- Added bug reporting system with Cheqs rewards
- Premium Feature: Smart category prediction based on your history
- Premium Feature: Advanced analytics & insights (coming soon)
Premium features are unlocked by earning Cheqs through app usage!
v1.3.0
March 2026- Added About page with feature overview
- Added Extra $ module for tracking additional income (e-transfers, cash, gifts)
- Expanded emoji selection to 130+ icons
- Added quick settings access from dashboard
- Improved mobile-friendly interface
v1.2.0
March 2026- Introduced Bank Account allocations for automatic transfer tracking
- Fixed Pay Period Report bank allocations calculation
- Added logo as browser favicon
- Enhanced neon color theme with colorblind-friendly palette
v1.1.0
February 2026- Upgraded receipt scanning to LLM Vision API for faster results
- Added Pay Period Calendar report
- Implemented First Pay Date setting for accurate pay period tracking
- Improved budget tracking accuracy
v1.0.0
February 2026- Initial release with core budgeting features
- Receipt scanning with OCR
- Budget tracking by category
- Spending reports and analytics
- Google SSO authentication