Waypoint Budget

About

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. - Smart categorization that learns Transactions sort themselves into your categories automatically, and the app learns from your corrections. Add your own rules for full control. - Import anything Switching from another budgeting app or catching up on paper? Import CSV files, PDF bank statements, even photos of receipts. Everything gets cleaned up, categorized, and checked for duplicates. Included on every plan. - AI Money Coach Ask your finances anything. Get personalized insights, spending breakdowns, and guidance on demand. AI features are optional and only see your data when you turn them on. - Savings goals that stick Build an emergency fund, save for a home, pay down debt. Watch real progress over time. - Bills & subscriptions See bills, recurring expenses, and income on a clean monthly calendar, and spot subscriptions you forgot you were paying for. - 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 get alerts before a category goes over budget. - Multiple budget profiles Run separate budgets side by side: your personal budget, your household, even a parent's finances you help manage. - 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). Works on your phone, tablet, and any browser. Everything stays in sync. 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, subscription tracking, weekly spending 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 Apple 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 Apple Account settings after purchase. Terms of Service: https://waypointbudget.com/terms Privacy Policy: https://waypointbudget.com/privacy Questions? support@waypointbudget.com