Forward-projecting, not retroactive
Most budgeting tools ask you to log what you spent. paychq projects what's coming — paydays, autopays, your variable spend — and shows you the next 60 days as a buffer strip you can read in three seconds.
paychq
Forward-projecting buffer-until-payday,
by email every Sunday.
If you're checking your bank app three times a day to see whether you'll make it to Friday, paychq tells you the answer once a week — and what to do about the days that won't.
$4/month or $29/year. Cancel from any Sunday email.
What makes it different
One Sunday email, no app
Every Sunday at 8 AM local time we email you three numbers (buffer today, buffer Friday, buffer next payday) and one specific dollar-anchored suggestion. No app to download, no dashboard to check on Wednesday.
Reply with anything that changed
Got a bigger paycheck, paid an unexpected bill, moved an autopay? Reply to the Sunday email in plain English. paychq updates the projection within a minute and confirms what it logged.
See what arrives in Sarah's inbox every Sunday
Sarah is a 32-year-old dental assistant and single mom of two in Las Vegas. She's been a paychq subscriber for six weeks. Below is her dashboard today and the email that landed last Sunday — the actual artifacts, rendered the way she receives them.
See Sarah's sampleFAQ
Do I have to connect my bank account?
No. paychq doesn't use Plaid or any bank-import. You tell us what comes in, when, and what goes out — once during sign-up, then update by replying to the Sunday email whenever something changes. Many buyers actually prefer this: bank-connect tools can categorize transactions but they can't see autopays that haven't posted yet, which is what makes the projection useful in the first place.
Is paychq budgeting?
No. paychq deliberately doesn't make you set categories or stick to a target. The job is one question: am I going to be OK between now and the next payday? Everything else is intentionally out of scope.
What does the Sunday email look like?
Three or four short paragraphs of plain text, signed “— paychq”. One paragraph for your status (buffer today, Friday, next payday), one for this week's specific suggestion (with the dollar swing), one for any tight day in the next two cycles, and one inviting you to reply with anything that's changed. See the sample for the real shape.
Can I cancel anytime?
Yes. Cancel from the link in any Sunday email — no login. Monthly stops at the end of the current billing month; annual receives a prorated Stripe refund for the unused months.
What if a recommendation is wrong for my situation?
Every dollar figure in the email is computed deterministically from the numbers you gave us, never invented by an LLM — so the math is always traceable. If a recommendation depends on context we don't know (a bill you didn't tell us about, a one-off expense), reply and we'll incorporate it on the next Sunday digest.
Refunds?
If a Sunday digest fails to send, or the projection is wrong because of a paychq bug, we refund the month, no questions asked — the failure is on our side and verifiable in our logs. We don't offer a blanket time-window refund on subscriptions where the digests actually went out and got read.
Start your Sunday email
Four short prompts. Two minutes. Your first email lands this coming Sunday at 8 AM local.
Start — $4/mo