Waypoint Budget is a simple budget 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 money management tools to handle 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. A budget tracker shows how each category is doing as the month goes on.

- Expense tracker with bank sync
Sync transactions from Chase, Bank of America, Wells Fargo, Capital One, RBC, TD and 10,000+ other banks in the US (via Plaid) and Canada (via Flinks). Read-only and encrypted. We never see your 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, bills and subscriptions
Recurring expenses, bills, 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, one family budget everyone can see, and a privacy toggle for your balances.

- Reports, alerts, and your own dashboard
A money tracker and spending 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 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: Unlimited 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.

SUBSCRIPTION DETAILS

Waypoint Plus and Pro are subscriptions billed monthly or annually through our web checkout, not in-app purchase. They renew automatically until you cancel, which you can do any time from your account settings.

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

Questions? support@waypointbudget.com