Waypoint Budget Planner App
Everyone
info
1K+
Downloads
About this app
Waypoint Budget is a simple budgeting app and expense tracker for people who want clarity, not complexity. See what you can safely spend today, build real savings, and reach your goals.
No overwhelming dashboards. No selling your data. Just a budget planner, expense tracker and money manager in one app, with the tools to manage your money with confidence.
WHAT YOU GET
- Safe to Spend
The number you want mid-month. Waypoint Budget takes the cash you have, subtracts the expenses due before your next payday and anything you set aside, and shows what is left. Your recurring expenses are learned from your own history, so it works even if you never set one up.
- Budget planner that works the way you think
Monthly budgets, category budgets, or rollover budgets. Group related categories into one shared total, and set a different amount for any month ahead.
- Automatic expense tracking with bank sync
Sync transactions from 10,000+ banks in the US (via Plaid) and Canada (via Flinks). Read-only and encrypted, we never store your banking password.
- Smart categorization that learns
Transactions sort themselves into your categories and learn from your corrections. Split one as you enter it, or write your own rules.
- No bank connection needed
Track cash and manual accounts by hand, and update a balance by importing a statement. Every budgeting feature works without a bank.
- Import anything
Moving from another app, or catching up on paper? Import CSV files, PDF statements, even photos of receipts. Cleaned, categorized, and duplicate-checked. On every plan.
- AI Money Coach
Ask your finances anything and get insights, breakdowns, and charts on demand. AI is optional and only sees your data when you turn it on.
- Savings goals that stick
An emergency fund, a home, paying down debt. Watch progress over time.
- Expenses and subscriptions
Recurring expenses, subscriptions, and income on a clean monthly calendar, so you spot the ones you forgot about.
- Income the way you are paid
Salary, freelance, rental, or pay that changes every paycheck. Track each source and see your next payday on the calendar.
- Net worth tracker
Watch your full picture grow, and track contributions against annual limits for 401k, IRA, Roth IRA, HSA, TFSA, and RRSP.
- Budgeting for couples and families
Shared budgets, joint goals, category-level transparency, and a privacy toggle for your balances.
- Reports, alerts, and your own dashboard
A money tracker that shows where it went. Spot trends and spending leaks, get alerts before a category goes over, and arrange your dashboard cards yourself.
- Built for the US and Canada
Both currencies, regional accounts and pricing, and separate budget profiles side by side. Works on phone, tablet, and any browser, always in sync.
PRIVACY FIRST
Funded by your subscription, not by selling your data. Read-only bank connections. Encrypted in transit. No third-party ads. Ever.
PLANS
- Free: Manual budgeting, expense tracking, imports, goals, calendar, basic reports
- Plus: 1 bank connection, unlimited Money Coach, subscription tracking, weekly summaries, advanced reports
- Pro: Up to 5 bank connections, net worth, registered accounts (401k, IRA, TFSA, RRSP), household budgeting, multiple profiles
BUILT BY TWO, NOT A CORPORATION
Bootstrapped and independent, built by two people who found budgeting apps felt like homework. Get started in 2 minutes, no credit card required.
SUBSCRIPTION DETAILS
Waypoint Plus and Pro are subscriptions billed monthly or annually, taken securely through our web checkout rather than in-app purchase. They renew automatically until you cancel, and you can cancel any time from your account settings.
Terms of Service: https://waypointbudget.com/terms
Privacy Policy: https://waypointbudget.com/privacy
Questions? support@waypointbudget.com
No overwhelming dashboards. No selling your data. Just a budget planner, expense tracker and money manager in one app, with the tools to manage your money with confidence.
WHAT YOU GET
- Safe to Spend
The number you want mid-month. Waypoint Budget takes the cash you have, subtracts the expenses due before your next payday and anything you set aside, and shows what is left. Your recurring expenses are learned from your own history, so it works even if you never set one up.
- Budget planner that works the way you think
Monthly budgets, category budgets, or rollover budgets. Group related categories into one shared total, and set a different amount for any month ahead.
- Automatic expense tracking with bank sync
Sync transactions from 10,000+ banks in the US (via Plaid) and Canada (via Flinks). Read-only and encrypted, we never store your banking password.
- Smart categorization that learns
Transactions sort themselves into your categories and learn from your corrections. Split one as you enter it, or write your own rules.
- No bank connection needed
Track cash and manual accounts by hand, and update a balance by importing a statement. Every budgeting feature works without a bank.
- Import anything
Moving from another app, or catching up on paper? Import CSV files, PDF statements, even photos of receipts. Cleaned, categorized, and duplicate-checked. On every plan.
- AI Money Coach
Ask your finances anything and get insights, breakdowns, and charts on demand. AI is optional and only sees your data when you turn it on.
- Savings goals that stick
An emergency fund, a home, paying down debt. Watch progress over time.
- Expenses and subscriptions
Recurring expenses, subscriptions, and income on a clean monthly calendar, so you spot the ones you forgot about.
- Income the way you are paid
Salary, freelance, rental, or pay that changes every paycheck. Track each source and see your next payday on the calendar.
- Net worth tracker
Watch your full picture grow, and track contributions against annual limits for 401k, IRA, Roth IRA, HSA, TFSA, and RRSP.
- Budgeting for couples and families
Shared budgets, joint goals, category-level transparency, and a privacy toggle for your balances.
- Reports, alerts, and your own dashboard
A money tracker that shows where it went. Spot trends and spending leaks, get alerts before a category goes over, and arrange your dashboard cards yourself.
- Built for the US and Canada
Both currencies, regional accounts and pricing, and separate budget profiles side by side. Works on phone, tablet, and any browser, always in sync.
PRIVACY FIRST
Funded by your subscription, not by selling your data. Read-only bank connections. Encrypted in transit. No third-party ads. Ever.
PLANS
- Free: Manual budgeting, expense tracking, imports, goals, calendar, basic reports
- Plus: 1 bank connection, unlimited Money Coach, subscription tracking, weekly summaries, advanced reports
- Pro: Up to 5 bank connections, net worth, registered accounts (401k, IRA, TFSA, RRSP), household budgeting, multiple profiles
BUILT BY TWO, NOT A CORPORATION
Bootstrapped and independent, built by two people who found budgeting apps felt like homework. Get started in 2 minutes, no credit card required.
SUBSCRIPTION DETAILS
Waypoint Plus and Pro are subscriptions billed monthly or annually, taken securely through our web checkout rather than in-app purchase. They renew automatically until you cancel, and you can cancel any time from your account settings.
Terms of Service: https://waypointbudget.com/terms
Privacy Policy: https://waypointbudget.com/privacy
Questions? support@waypointbudget.com
Budget planner, expense tracker & money manager. Bank sync, goals, net worth.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
- No data shared with third partiesLearn more about how developers declare sharing
- This app may collect these data typesLocation, Personal info and 4 others
- Data is encrypted in transit
- You can request that data be deleted
What’s new
- Rate Waypoint Budget without leaving the app
- Bank sync reliability improvements: syncs now recover automatically after your bank reissues account details
- Faster transaction list refresh after syncing
- Bug fixes and polish
- Bank sync reliability improvements: syncs now recover automatically after your bank reissues account details
- Faster transaction list refresh after syncing
- Bug fixes and polish
App support
About the developer
Waypoint Budget Inc
support@waypointbudget.com
611 Edmonton Trail NE
Calgary, AB T2E 3J3
Canada
+1 778-215-7260
