All the budgeting tools you need to succeed, without the complexity.
Transactions sync in real-time — no manual entry.

Chase Bank
Connected

Bank of America
Connected

Wells Fargo
Connected

Capital One
Connected
Track your complete financial picture.
Advice tailored to your spending.
3 ways to save:
Bank-level 256-bit encryption.
Read-only access
We can never move your money
Zero data selling
Your info is never shared
Transactions sync in real-time — no manual entry.

Chase Bank
Connected

Bank of America
Connected

Wells Fargo
Connected

Capital One
Connected
Track your complete financial picture.
Advice tailored to your spending.
3 ways to save:
Bank-level 256-bit encryption.
Read-only access
We can never move your money
Zero data selling
Your info is never shared
Auto-tags every transaction.
Easy on the eyes.
Projections, tracking & milestones.
See every bill and payment at a glance.
February 2025
Drop a file. We handle the rest.
Spending vs. budget over time.
Auto-tags every transaction.
Easy on the eyes.
Projections, tracking & milestones.
See every bill and payment at a glance.
February 2025
Drop a file. We handle the rest.
Spending vs. budget over time.
Transactions sync in real-time — no manual entry.

Chase Bank
Connected

Bank of America
Connected

Wells Fargo
Connected

Capital One
Connected
Track your complete financial picture.
Advice tailored to your spending.
3 ways to save:
Bank-level 256-bit encryption.
Read-only access
We can never move your money
Zero data selling
Your info is never shared
Auto-tags every transaction.
Easy on the eyes.
Projections, tracking & milestones.
See every bill and payment at a glance.
February 2025
Drop a file. We handle the rest.
Spending vs. budget over time.
Banks Across North America
Securely connect to any financial institution through our partnership with Plaid
Start free, upgrade when you're ready. All paid plans include a 7-day free trial.
Free forever, no credit card needed
or US$79.99/year (save 17%)
No charge until trial ends
Everything in Free, and:
Secure payment via Stripe
Cancel anytime. No questions asked.
or US$129.99/year (save 17%)
No charge until trial ends
Everything in Plus, and:
Secure payment via Stripe
Cancel anytime. No questions asked.
47% cheaper than YNAB · Premium features at affordable pricing
Built by someone who struggled with budgeting apps that felt like homework
Revenue from subscriptions, not selling your data.
Not a corporation. Built and used daily by me.
No overwhelming dashboards or features.
Personalized guidance and insights, not generic advice.
Works like a native app on iPhone and Android. No app store needed - install directly from your browser.
Get more screen space for detailed budgeting, charts, and reports. Works on Mac, Windows, and Linux.

Works like a native app on iPhone and Android. No app store needed - install directly from your browser.
Georgette
"I have been looking for a way to budget as I look move towards retirement. I had tried YNAB, MINT, and a few others, but found them too complicated. When I came upon Waypoint Budget, the first thing I liked was the clean look of the website. It is easy to navigate between the different tools. I now actually enjoy keeping track of my finances."
Ayla Bee
"A great replacement for MINT and more intuitive than MINT was!"
Fargo6
"The developer responded quickly when I had issues with importing transactions and linking banks. They implemented fixes right away and followed up with me. This is an active development team that truly cares about their product. 5 stars for trust."
Byra Dineshkumar
"As someone who is still a beginner when it comes to personal finance and budgeting, I've found Waypoint to be incredibly helpful in terms of making the process of tracking expenses and learning how to budget less daunting. I haven't upgraded to being able to sync banking transactions just yet, but even the process of manually entering my expenses, and having a clear visual of where I'm at and my goals has been empowering. I especially love the dashboard, the user interface is easy to navigate. Excited to continue to explore the different features Waypoint has to offer, and to see the platform grow as whole :)"
Jodi Harbarenko
"What an incredible find Waypoint Budget is! As a former MINT and YNAB user, I was searching for an affordable Canadian budgeting app with straightforward features—and Waypoint delivers exactly that. The dashboard is clean and easy to navigate, and connecting my bank accounts was seamless. What really sets Waypoint apart is the founder's incredible responsiveness and genuine care for user feedback. I've never experienced this level of support with any other budgeting tool. Highly recommend!"
Chad
"This is the best Canadian budgeting platform I've used so far. I've tried many other budgeting platforms, but always ended up going back to my spreadsheets-until now. the layout is clean and intuitive, and its incredibly simple and efficient to use. waypoint budget finally gives me everything i liked about with my spreadsheets, without the hassle."
Ahmed H.
"Just what I was looking for. Pulls transactions directly from my canadian bank accounts (works great for scotiabank and cibc), simple and clean design, ability to budget, track and compile reports on spending per category/month/year etc. Best such product out there for Canadians."
Valerie
"I'm a senior with a bit of bookkeeping experience from long ago. That's relevant because I am thrilled to bits that I have found Waypoint to be so easy to use. Of course, there is a learning curve, but between Waypoint themselves and ChatGPT, I've been able to navigate the whole thing. I highly recommend Waypoint -- it's designed for Canadians, which is huge for me, and designed with privacy integrity as well."
Jacques Persoons
"Finally find an app that suits all our needs. Quite Simple to use and very intuitive. I tried few other apps that were WAY TO COMPLICATED! It is also well adapted for Canadians. Customer service is also top of the line…"
Alex R.
"The Money Coach helped me save $400 in my first month!"
Namrata J.
"So much easier than spreadsheets. I actually stick to my budget now!"
Zunaria J.
"Never realized how much I was spending on coffee until I started using this."
Florencia C.
"Finally, a budget app that actually works for Canadians!"