Cheq

For Canadians who export a CSV, not a password

Your month, on one honest page.

Upload a bank CSV. Cheq turns it into a spending report you can actually read — money in, money out, where it went, and a short written take. Nine dollars, once. No bank login. No subscription.

Upload a CSVSee a sample report

Your CSV is parsed in this browser session. Cheq does not store the file, and we never ask for online banking credentials. Wealthsimple, Scotiabank, or any export with date, description, and amount.

01

Drop the export

Download activity from Wealthsimple Cash, Scotiabank, or a generic three-column CSV. Messy headers are fine. Cheq guesses date, description, and amount.

02

Preview for free

See the period, money in versus money out, and the top of the category list before you pay. Interac e-Transfers are tagged as transfers, not lifestyle spend.

03

Unlock the page

$9 CAD, one time, via Stripe Checkout. Then the full report: categories, merchants, a written insight, and print-to-PDF.

Built like a cheque stub, not a dashboard.

  • — Inflows and outflows, clearly split.
  • — Everyday spending without mixing in rent e-Transfers.
  • — Top merchants, named the way they appear on the statement.
  • — A short written insight, not a pile of charts.
  • — CAD, Canadian English, Canadian date order.

Sample · January 2026

Paycheque in. Groceries, transit, a few e-Transfers out.

Money in
$6,557.34
Money out
$3,829.76

Leaving transfers aside, groceries led everyday spending. Dining ran hot on delivery weeks. That is the report you get — for your own CSV.

Privacy, said plainly

Cheq never logs into your bank. There is no Plaid, no screen scrape, no stored statement. The file is read on your device for this session. Close the tab and it is gone. Stripe only sees that you bought the report, not what you spent on Tim Hortons.

Read the privacy note →