Waypoint Budget

Waypoint Budget

About this app

Waypoint Budget is a personal finance app for people who want clarity, not complexity. Track every dollar, build real savings, and reach your goals, whether you're starting from zero or rebuilding from debt.

No overwhelming dashboards. No selling your data. No upsells in your face. Just the tools you need to budget with confidence.

What you get:

- Smart budgets that work the way you think
Monthly, category, or rollover budgets. Set them up in minutes.

- Connect your bank, see everything
Sync transactions automatically from US banks (via Plaid) and Canadian banks (via Flinks). Read-only and encrypted, we never store your banking password.

- AI Money Coach
Ask your finances anything. Get personalized guidance, spending breakdowns, and tailored advice on demand.

- Goals that stick
Build an emergency fund, save for a home, pay down debt. Watch real progress.

- Calendar view
See bills, recurring expenses, and income on a clean monthly calendar.

- Net worth tracking
Watch your full financial picture grow over time, including TFSA, RRSP, 401k, and IRA.

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

- Reports and insights
Spot trends, find spending leaks, and stay on top of your money.

- Support for US and Canada
We support both regions natively, with currency formatting, 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, transactions, 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, household budgeting

Built by two, not a corporation:

Waypoint is bootstrapped and independent, two people who got tired of budgeting apps that felt like homework, building the one we always wished existed.

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

- Fixed an issue where connecting certain banks could get stuck and not finish.
- Bank linking is now more reliable.