# CheqMate: Paycheck Planner — Designed around your pay > Paycheck-based budgeting app for planning income, bills, debt, and spending. (iPhone/iPad app by Robert Adams.) - Source: https://appshunter.io/ios/app/cheqmate-paycheck-planner/id6751434695 (this page in markdown: same URL + `.md`) - Developer: [Robert Adams](https://appshunter.io/developer/1835096121) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 4 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 18.6 · 180 MB - Languages: American English, Canadian French, German (Germany), Italian, Brazilian Portuguese, European Spanish - Released: 2025-10-17 - Data updated: 2026-08-13 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/cheqmate-paycheck-planner/id6751434695/reviews.md ## What is CheqMate? CheqMate: Plan Every Paycheck See exactly where every dollar of your paycheck is going before it even arrives. Whether you are paying bills, planning debt payoff, or saving for what matters, CheqMate makes budgeting simple, visual, and stress-free. PAYCHECK-BASED PLANNING See your upcoming paychecks, bills, and income side by side. Always know what is covered, what is due, and what is truly Free-to-spend. SMART BILL TRACKING Add recurring or one-time bills, mark them as paid, and get timely reminders so nothing slips through the cracks. CheqMate keeps your due dates, amounts, and payment history organized automatically. DEBT PAYOFF TOOLS Track balances, APRs, and progress with visual payoff timelines. Compare strategies and see how small extra payments can help you reach debt-free faster. INCOME AND PAY SCHEDULE SUPPORT Works seamlessly with any pay frequency such as weekly, biweekly, semimonthly, or monthly. Handle multiple income sources with accuracy and flexibility. CLEAR INSIGHTS AND REPORTS Visualize exactly where your money goes. Export CSVs, analyze trends, and understand your spending and saving habits with clear breakdowns. CROSS-DEVICE POWER Stay in sync across iPhone and Apple Watch. View upcoming bills, Free-to-spend balances, and pay periods at a glance with interactive widgets and Live Activities. iCloud-ready with App Group sync for instant updates. DESIGNED FOR iOS Built with Apple's latest design language including Dynamic Cards, Liquid Glass effects, Dark Mode, and customizable app icons. CheqMate feels native, fluid, and uniquely yours. PRIVACY FIRST Your data stays private, stored only on your device and in your iCloud. Never tracked, never sold, never shared. WHY CheqMate CheqMate flips the script by organizing your financial life around your paychecks, not just your expenses. See your money in real time, make confident decisions, and finally feel in control. PERFECT FOR ANYONE WHO WANTS TO • Stop living paycheck to paycheck • Get organized with bills and due dates • Build a realistic debt payoff plan • Track income and savings goals • Know exactly how much is safe to spend CheqMate is your money’s next move. Paycheck planning, budget clarity, and true financial confidence, all in one beautiful app. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Paycheck-based financial planning - Smart bill tracking and reminders - Debt payoff tools with visual timelines - Support for various pay frequencies - Clear spending insights and reports - Cross-device synchronization (iPhone, Apple Watch) - Privacy-focused data storage ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monthly | $3.99 | per month | | Annual | $34.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Small Tip | $0.99 | one-time | | Medium Tip | $2.99 | one-time | | Large Tip | $4.99 | one-time | | CheqMate Pro | $49.99 | one-time | ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/cheqmate-paycheck-planner/id6751434695/reviews.md ### 5/5 — Super easy to see what each paycheck covers *2025-12-10* It’s quick and easy to see all the bills I pay with each paycheck everything is organized and clear. It even alerts me if I’m going to go negative due to too many bills on one paycheck. I actually ended up calling my credit card company to shift a few due dates, and now everything fits perfectly. This app has made managing my finances so much less stressful! ### 5/5 — 1 Month Review *2025-12-09* I’ve been using this app for about a month now and I really like it so far. There’s a lot of features that I don’t even make full use of but it’s kinda insane how much quality there is to this. It’s great for helping to manage my budget. The dev behind this app seems to be constantly updating too so I’m hoping it just gets better from here. ## Frequently asked questions about CheqMate ### What is CheqMate? CheqMate is a paycheck budgeting app designed to help you visualize where your money goes before it even arrives. It organizes your finances around your paychecks, making budgeting simple and stress-free. ### How does CheqMate help with bills? CheqMate offers smart bill tracking, allowing you to add recurring or one-time bills, mark them as paid, and receive timely reminders. It keeps your due dates, amounts, and payment history organized. ### Can CheqMate help with debt? Yes, CheqMate includes debt payoff tools where you can track balances, APRs, and progress with visual payoff timelines. It helps you compare strategies and see how extra payments can accelerate debt freedom. ### What income schedules does CheqMate support? CheqMate works seamlessly with any pay frequency, including weekly, biweekly, semimonthly, or monthly. It also handles multiple income sources with accuracy and flexibility. ### Is CheqMate available on multiple devices? Yes, CheqMate offers cross-device power, syncing across iPhone and Apple Watch. You can view upcoming bills, free-to-spend balances, and pay periods with interactive widgets and Live Activities. ### How is CheqMate's privacy policy? CheqMate prioritizes privacy, storing your data only on your device and in your iCloud. Your financial information is never tracked, sold, or shared. ### What is the rating for CheqMate? CheqMate has an excellent rating of 5.0 stars based on 3 user ratings. ### How often is CheqMate updated? CheqMate was last updated on March 30, 2026, indicating active development and support for the application. ## Version history (last 5 releases) ### 1.7.2 — 2026-08-04 What’s New • Improved bank transaction syncing for faster, more reliable updates • New transactions are now saved for review before being added to your plan • Added notifications and in-app indicators when transactions are ready to review • Improved full re-sync, connection management, and background refresh scheduling • Enhanced accessibility, stability, and overall performance ### 1.7.1 — 2026-05-22 CheqMate continues to get faster, smarter, and more polished with improvements across planning, bill tracking, savings, and connected accounts. New & Improved • Enhanced Bills progress tracking with clearer paid and remaining states • Improved bill completion messaging throughout Plan and Bills views • Refined paycheck detail presentation with improved loading and readability • Improved Savings Goal navigation and management workflows • Additional visual polish across Plan, Bills, Savings, and Settings • Better consistency across iPhone, iPad, Mac, widgets, and watch experiences • Continued typography and layout refinements for a cleaner, more premium feel Performance & Stability • Faster loading of Paycheck Detail views • Improved responsiveness when marking bills paid or unpaid • Reduced unnecessary recalculations during planning updates • Smoother refresh behavior throughout the app • Improved synchronization between Plan, Bills, Savings, and paycheck calculations • Better handling of large bill schedules and longer planning timelines • Reduced UI flashes, stale values, and temporary loading inconsistencies • Improved overall stability across navigation, sheets, and data refreshes Fixes • Fixed Paycheck Detail occasionally freezing when opening from Plan • Fixed bill completion summaries displaying incorrect messaging in some situations • Fixed periods that could briefly show outdated planning information during refreshes • Fixed navigation inconsistencies between iOS, iPadOS, and Mac layouts • Fixed Savings recommendations not updating immediately after certain changes • Fixed issues that could cause temporary calculation mismatches between screens • Fixed multiple toolbar, sheet presentation, and navigation edge cases • Fixed several period-boundary and carry-over calculation edge cases • Fixed refresh-related visual artifacts across planning screens Plaid & Account Connectivity • Improved Plaid connection reliability and account persistence • Improved transaction import consistency after account linking • Enhanced recovery from temporary Plaid synchronization issues • Improved handling of account reconnect and disconnect workflows • Fixed edge cases where linked financial institutions could appear temporarily unavailable • Additional reliability improvements for account and transaction synchronization Thank you for using CheqMate. Your feedback continues to shape every release, and more improvements are already on the way. ### 1.7.0 — 2026-05-12 CheqMate has been refined with major improvements to performance, planning accuracy, and overall polish. New & Improved * Redesigned parts of the Plan experience with cleaner, more premium card layouts * Improved Savings Goals management and navigation flow * Enhanced Savings recommendations and paycheck planning accuracy * Refined Bills by Category with updated visuals and smoother interactions * Improved typography consistency across Plan, Savings, and Insights * Updated paycheck detail layouts and period summaries for better readability * Continued UI polish throughout the app for a more streamlined experience Performance & Stability * Faster plan hydration and loading at app launch * Improved pull-to-refresh smoothness and responsiveness * Reduced UI flickering and stale values during refreshes * Improved synchronization between Plan, Insights, Savings, and Paycheck Detail calculations * Enhanced rendering performance for large financial timelines and lists * Reduced SwiftUI compile complexity and improved overall stability Fixes * Fixed Savings cards occasionally disappearing or showing outdated values * Fixed incorrect Free-to-spend calculations in certain periods * Fixed category rows expanding without smooth transitions * Fixed paycheck periods occasionally showing the wrong timeframe * Fixed sheet presentation and navigation issues in Savings and Insights * Fixed visual artifacts during pull-to-refresh * Fixed multiple toolbar and navigation inconsistencies across the app * Fixed several edge cases involving skipped bills, moved bills, and carry-over calculations Plaid connection fixes and transaction import reliability improvements. * Fixed Plaid connections disappearing after linking. * Stopped empty items/list responses from wiping local bank connections. * Updated disconnect to remove only the selected bank connection locally. * Added safer stale-item cleanup for missing server token bundles. * Improved initial transaction sync by requesting a larger transaction page. * Included Plaid personal finance categories in sync requests. * Improved connection persistence after successful Plaid Link. Thank you for using CheqMate. More refinements and improvements are on the way. ### 1.6.0 — 2026-03-30 This update is all about making CheqMate feel calmer, clearer, and more dependable. We tightened up the math so your Free-to-spend updates immediately when you record actual or variable income. You can trust that your plan stays accurate across your timeline, totals, and notifications. We also did a lot of visual cleanup. Subtle animations and glassy effects were removed so the app feels more solid and more Apple-like. Layout issues on certain devices, especially Pro models, are fixed, and spacing, cards, and text now behave more consistently with Dynamic Type. Navigation is smoother as well. Sheets and detail views open and close more predictably, scrolling feels better, and touch interactions are more reliable overall. There is also a large amount of work behind the scenes. Build times are faster, edge case bugs are reduced, and the foundation is stronger for upcoming features. Thank you for using CheqMate. More improvements are on the way. ### 1.5.6 — 2025-12-03 Fixed a few miscolored screens when in light mode. ## Apps similar to CheqMate | App | Rating | Price | Category | | --- | --- | --- | --- | | [Nanny Paycheck Calculator](https://appshunter.io/ios/app/nanny-paycheck-calculator/id1340503159) | 4.5 (51) | Free | Finance | | [Ploutos Budget: Money Manager](https://appshunter.io/ios/app/ploutos-budget-money-manager/id1618522214) | 5.0 (10) | Free | Finance | | [Forex Size Calculator: Posica](https://appshunter.io/ios/app/forex-size-calculator-posica/id1610887335) | — | Free | Finance | | [W-4 Calculator & Tax Estimator](https://appshunter.io/ios/app/w-4-calculator-and-tax-estimator/id6745311244) | 2.0 (2) | Free | Finance | | [FIRST NATIONAL BANK OF BASTROP](https://appshunter.io/ios/app/first-national-bank-of-bastrop/id570240383) | 4.4 (77) | Free | Finance | | [Bill Organizer & Reminder](https://appshunter.io/ios/app/bill-organizer-and-reminder/id6447527555) | 3.8 (43) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-13.*