Know what’s safe to spend.
Before your next paycheck.
ChequePoint connects your bank accounts and calculates your true spending room between paydays — without ads, profiling, or proprietary cloud custody of your finances.
Clarity Over Chaos
Designed for how real money works.
Paycheck-Paced Budgeting
A static monthly budget fails when rent is due on the 1st and your second paycheck lands on the 15th. ChequePoint anchors your budget around actual paydays so you always know what is safe to spend today.
Private iCloud Storage
Your financial records stay on your iPhone and sync through your own private Apple iCloud (CloudKit) database. We operate no database holding your transactions or balances.
Seamless Bank Linking
Connect thousands of US financial institutions securely through Plaid. ChequePoint never sees or stores your bank credentials — logins happen exclusively on Plaid's encrypted screens.
Household Sharing
Share a financial dashboard with a spouse or partner using Apple's native CloudKit sharing. Pool visibility on shared bills without handing over login passwords.
Spend Curves & Insights
Compare this month's pacing against your historical spending curves. Understand if you're trending ahead or behind before an overdraft surprises you.
CSV Import & Export
Prefer manual entry or offline institution exports? Import standard bank CSV files effortlessly with smart auto-categorization and full local export control.
Honest Architecture
Your finances are nobody's business.
Most personal finance apps monetize your data through credit card referrals, affiliate ads, or aggregate data brokerages. ChequePoint is funded purely by subscription — our only customer is you.
Zero Ad Networks or Tracking
We do not bundle ad SDKs, analytics profiling, or user-tracking frameworks.
Bank Credentials Never Seen
Plaid handles multi-factor authentication directly with your bank. We never store bank passwords.
Encrypted CloudKit Sync
Multi-device syncing utilizes your personal iCloud account, backed by Apple's security protocols.
Complete Account Deletion
Delete everything at any time in Settings. We revoke bank links and purge local and cloud storage.