Expense Tracking
Built for How You Actually Get Paid

Cost CheqMate is a free AI-powered expense tracker and budget planner designed for individuals and small businesses. You can scan receipts with your phone camera, and our AI automatically extracts the merchant name, date, and total amount — no manual typing required. Every expense is organized by category and pay period so you always know exactly where your money is going.

Simply take a photo of any receipt (paper or digital) and upload it through the Scan module. Cost CheqMate's OCR engine reads the receipt image, extracts the merchant, date, amount, and even suggests a spending category based on your history. The built-in document cropper lets you adjust the edges for a perfect scan before the AI processes it. Scanned receipts are stored as searchable PDFs you can access any time.

Yes — the core features (expense tracking, receipt scanning, budget management, and pay-period reports) are completely free. The Premium plan ($1.99/month) unlocks AI smart category predictions, advanced analytics, predictive budgeting, and smart spending alerts. The Business plan ($9.99/month) adds Excel/CSV export, custom branding with your own logo, and everything in Premium. You can also earn free Premium time through Cheqs rewards.

Cheqs are Cost CheqMate's built-in reward points. You earn Cheqs by scanning receipts, logging expenses manually, maintaining a daily login streak, and referring friends. Once you collect enough Cheqs (2,000 per month) you can redeem them for a free month of Premium — so active users can enjoy Premium features without ever paying.

In Settings you set your pay frequency (weekly, bi-weekly, semi-monthly, or monthly) and your first pay date. Cost CheqMate then automatically builds a pay-period calendar that shows your income and expenses for each cycle. You create annual category budgets (e.g. $3,600/year for Groceries), and the app prorates them per pay period so you always see a realistic spending target rather than a lump annual number.

Cost CheqMate lets you add bank account labels (chequing, savings, credit cards) and allocate spending categories to each one. This way, when you review your budget or reports, you can see how much of each account's balance is spoken for — great for envelope-style budgeting without needing direct bank feeds.

Yes. You can connect your Google Drive or OneDrive account in Settings → Cloud Storage. Once connected, every receipt you scan is automatically backed up to a folder organized by year and category. This gives you an off-site archive for tax time or audits.

Business plan users can export their expenses and reports as CSV or JSON files. These exports are compatible with Excel, Google Sheets, QuickBooks, and most accounting software, making it simple to hand your data to a bookkeeper or import it into other tools.

You set your preferred currency in Settings → Profile (USD, CAD, EUR, GBP, and many more). All amounts throughout the app — budgets, expenses, reports — are displayed in that currency. If you travel or deal with multiple currencies, simply update the setting when needed.

Absolutely. Cost CheqMate uses industry-standard encryption at rest and in transit. Authentication is handled through Google SSO or secure email/password login with bcrypt hashing. Receipt images are stored in encrypted cloud storage (AWS S3) accessible only to your account. We never sell or share your data.

After uploading a receipt photo, the cropper appears with auto-detected edges. You can drag the corner L-brackets or the edge midpoint handles to fine-tune the crop area. A magnifier loupe appears while dragging for pixel-precise adjustments. Once aligned, tap 'Crop & Flatten' and the perspective-corrected image is converted to a clean PDF.

Yes. The Business plan includes custom branding (upload your company logo to appear on exports and receipts), CSV/JSON data export for bookkeeping, cloud receipt backup organized by category, and bank account allocation tracking. It's built for freelancers, sole proprietors, and small teams who need professional expense management without the complexity of enterprise software.

Every user gets a unique referral code in the Support section. When someone signs up using your code, you both earn bonus Cheqs. Hit 3 referrals and you unlock a free month of Premium; 5 referrals earns you 3 free months. It's the fastest way to go Premium without spending a cent.

Yes — the Extra Income module lets you log one-off or recurring income outside your primary pay. You can tag sources (e-transfer, cash, freelance, etc.) and optionally assign them to a bank account. This income is factored into your pay-period overview so your dashboard always reflects your full financial picture.

Tap the sun/moon icon in the top navigation bar (or on the login/signup page). Your preference is saved to your account, so it stays consistent every time you log in — even on different devices.