Waypoint Budget: Budgeting App

Waypoint Budget

About this app

Waypoint Budget is a simple budgeting app and expense tracker for people who want clarity, not complexity. Track every dollar, build real savings, and reach your goals.

No overwhelming dashboards. No selling your data. Just a budget planner with the tools you need to manage your money with confidence.

WHAT YOU GET

• Budget planner that works the way you think
Monthly budgets, category budgets, or rollover budgets. Set up your budget in minutes.

• Automatic expense tracking with bank sync
Connect your bank and sync transactions automatically from 10,000+ banks in the US (via Plaid) and Canada (via Flinks). Read-only and encrypted, we never store your banking password.

• AI Money Coach
Ask your finances anything. Get personalized insights, spending breakdowns, and guidance on demand.

• Savings goals that stick
Build an emergency fund, save for a home, pay down debt. Watch real progress over time.

• Bill calendar
See bills, subscriptions, recurring expenses, and income on a clean monthly calendar.

• Net worth tracker
Watch your full financial picture grow over time, including 401k, IRA, TFSA, and RRSP accounts.

• Budgeting for couples and families
Manage household finances together with shared budgets, joint goals, and full category-level transparency.

• Spending reports and insights
Spot trends, find spending leaks, and stay on top of your money.

• Built for the US and Canada
US and Canadian dollar support, regional accounts, regional pricing, and bank connections through trusted partners (Plaid in the US, Flinks in Canada).

PRIVACY FIRST

We're funded by your subscription, not by selling your data. Read-only bank connections. Encrypted in transit. No third-party advertising. Ever.

PLANS

• Free: Manual budgeting, expense tracking, goals, calendar, basic reports
• Plus: Adds 1 bank connection, unlimited Money Coach, weekly AI summaries, advanced reports
• Pro: Up to 5 bank connections, net worth tracking, registered accounts (401k, IRA, TFSA, RRSP), household budgeting

BUILT BY TWO, NOT A CORPORATION

Waypoint Budget is bootstrapped and independent, built by two people who struggled with budgeting apps that felt like homework.

Get started in 2 minutes. No credit card required.

SUBSCRIPTION DETAILS

• Waypoint Plus and Pro are auto-renewable subscriptions, billed monthly or annually.
• Payment will be charged to your Google Account at confirmation of purchase.
• Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period.
• Your account will be charged for renewal within 24 hours prior to the end of the current period.
• Subscriptions can be managed and auto-renewal turned off in your Google Account settings.

Terms of Service: https://waypointbudget.com/terms
Privacy Policy: https://waypointbudget.com/privacy

Questions? [e-mail]

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