Forward-projecting, not retroactive
You don't 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, one colored square per day.
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 payday, 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.
Sarah's next 60 days
sample persona · as of Sun, Sep 20Each square is one day of her projected balance, from her pay, bills and spending.
Sep 20Nov 1
green > $300 bufferyellow $50–$300red < $50thresholds: the same for every subscriber
Today (Sun, Sep 20)
$270.00
of buffer until your next payday
Next payday (Fri, Sep 25)
$1,575.00
projected buffer after the deposit
Payday after (Fri, Oct 9)
$1,255.00
projected buffer two cycles out
What makes it different
One Sunday email, no app
Every Sunday at 8 AM local time we email you three numbers (buffer today, buffer next payday, buffer the payday after) and, when a day looks tight, one specific dollar-anchored suggestion. No app to download, no dashboard to check on Wednesday.
Reply with anything that changed
Got a bigger paycheck or paid an unexpected bill? Reply to the Sunday email in plain English. paychq checks for replies every 10 minutes, updates the projection and confirms what it logged.
See what arrives in Sarah's inbox every Sunday
Sarah is a sample persona: a 32-year-old dental assistant and single mom of two in Las Vegas, paid every other Friday. See her whole dashboard, the Sunday email it produces, and the confirmation she gets when she replies with a change.
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 during sign-up, then reply to the Sunday email when a paycheck, bill or expense differs. Because you list your bills yourself, the projection includes autopays before they post.
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?
A short plain-text email, signed “— paychq”. It has your status (buffer today, next payday, payday after), a specific suggestion with the dollar swing when a day in the next two weeks looks tight, up to two more tight days coming up, an invitation to reply with what changed, and your pause and delete links. See the sample for the real shape.
Can I cancel anytime?
Yes. The delete link in any Sunday email cancels your subscription and erases your stored data, with no login. Billing stops at once, and payments already made are not refunded for the unused part of a month or year. The pause link stops the emails but not the billing.
What if a recommendation is wrong for my situation?
Every dollar figure in the email is computed from the numbers you gave us, so the math is traceable. If a recommendation depends on something we don't know (a bill you didn't list, a one-off expense), reply with the amount and the date and the projection includes it.
Refunds?
If our records show a Sunday digest failed to send in a billing period, or a paychq bug made the projection wrong, we refund that period. Write to paychq@forage.bot with the billing period; refunds are not automatic. We don't offer a blanket time-window refund.
Start your Sunday email
Four short prompts. Your first email lands this coming Sunday at 8 AM local.
Start — $4/mo