Waypoint Budget

Track every dollar, build real savings, and take control of your money.

Waypoint Budget is a personal finance app 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 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 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 our coach 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 over time.

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

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

• Shared budgets for couples & families 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 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 - built by two people who struggled with budgeting apps that felt like homework.

Get started in 2 minutes. No credit card required.

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

Questions? Contact us at: support@waypointbudget.com