Simple Budgeting That Sticks

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

No credit card required · 2-minute setup

User
User
User

Everything a Budget App Should Do

All the budgeting tools you need to succeed, without the complexity.

Subscriptions

$47.98/mo
N
Netflix
$15.99
S
Spotify
$11.99

Calculators

Tax Refund
Savings
Mortgage
Debt Payoff

Automatic Bank Sync

Most

Transactions sync in real-time — no manual entry.

Chase Bank

Chase Bank

Connected

Bank of America

Bank of America

Connected

Wells Fargo

Wells Fargo

Connected

Net Worth

8.3%

Track your complete financial picture.

Net Worth$56,800
CheckingSavings401(k)Roth IRA
Net Worth Over Time
$60k$45k$30k

Smart Money Coach

Advice tailored to your spending.

How can I save more?

3 ways to save:

  • • Cut dining 20% (-$85)
  • • Cancel unused subs (-$24)
  • • Auto-transfer savings

Your Data, Protected

Bank-level 256-bit encryption.

SSL EncryptedSOC 2Plaid Secured

Read-only access

We can never move your money

Zero data selling

Your info is never shared

Subscriptions

$47.98/mo
N
Netflix
$15.99
S
Spotify
$11.99

Calculators

Tax Refund
Savings
Mortgage
Debt Payoff

Automatic Bank Sync

Most

Transactions sync in real-time — no manual entry.

Chase Bank

Chase Bank

Connected

Bank of America

Bank of America

Connected

Wells Fargo

Wells Fargo

Connected

Net Worth

8.3%

Track your complete financial picture.

Net Worth$56,800
CheckingSavings401(k)Roth IRA
Net Worth Over Time
$60k$45k$30k

Smart Money Coach

Advice tailored to your spending.

How can I save more?

3 ways to save:

  • • Cut dining 20% (-$85)
  • • Cancel unused subs (-$24)
  • • Auto-transfer savings

Your Data, Protected

Bank-level 256-bit encryption.

SSL EncryptedSOC 2Plaid Secured

Read-only access

We can never move your money

Zero data selling

Your info is never shared

Smart Categorization

Auto-tags every transaction.

StarbucksDining
WalmartGroceries
AmazonShopping
SpotifySubs

Dark Mode

Easy on the eyes.

Recurring

Rent$1,800
Netflix$15.99
Gym$49.99

Financial Goals

Projections, tracking & milestones.

Down Payment
53%
$26,500of $50,000
$50k$0
Balance
Projected
Goal met Mar 2028
Amex Payoff22.0% APR
5%
$893remaining
$1k$0

Calendar View

See every bill and payment at a glance.

February 2025

SMTWTFS
1
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4
5
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8
9
10
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12
13
14
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18
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28

CSV Import

Drop a file. We handle the rest.

bank_nov_2024.csv
4 columns, 47 rows detected

Household

New
A
$4,200
J
$3,800
Combined$8,000/mo

Monthly Reports

12%

Spending vs. budget over time.

$2.4k
Jul
$3.2k
Aug
$2.8k
Sep
$3.8k
Oct
$3.0k
Nov
$2.6k
Dec
Under budget
Over budget

Smart Categorization

Auto-tags every transaction.

StarbucksDining
WalmartGroceries
AmazonShopping
SpotifySubs

Dark Mode

Easy on the eyes.

Recurring

Rent$1,800
Netflix$15.99
Gym$49.99

Financial Goals

Projections, tracking & milestones.

Down Payment
53%
$26,500of $50,000
$50k$0
Balance
Projected
Goal met Mar 2028
Amex Payoff22.0% APR
5%
$893remaining
$1k$0

Calendar View

See every bill and payment at a glance.

February 2025

SMTWTFS
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28

CSV Import

Drop a file. We handle the rest.

bank_nov_2024.csv
4 columns, 47 rows detected

Household

New
A
$4,200
J
$3,800
Combined$8,000/mo

Monthly Reports

12%

Spending vs. budget over time.

$2.4k
Jul
$3.2k
Aug
$2.8k
Sep
$3.8k
Oct
$3.0k
Nov
$2.6k
Dec
Under budget
Over budget

10,000+

Banks Across North America

Securely connect to any financial institution through our partnership with Plaid

7,000+US Banks
3,000+CA Banks
256-bitEncryption
ChaseTDRBCBank of AmericaWells FargoBMOScotiabankCiti
Georgette
Ayla Bee
Fargo6
Byra Dineshkumar
Jodi Harbarenko
Loved by Budgeters
Alex R.

Alex R.

"The Money Coach helped me save $400 in my first month!"

Namrata J.

Namrata J.

"So much easier than spreadsheets. I actually stick to my budget now!"

Zunaria J.

Zunaria J.

"Never realized how much I was spending on coffee until I started using this."

Florencia C.

Florencia C.

"Finally, a budget app that actually works for Canadians!"

Pricing

Simple, Transparent Pricing

Start free, upgrade when you're ready. All paid plans include a 7-day free trial.

Free
Perfect for getting started
$0/month

Free forever, no credit card needed

Unlimited manual transactions
All budget categories
Savings & debt goals
Budget calendar & recurring items
Smart categorization
Money Coach (5 messages/day)
24 months historical data
Most Popular
Plus
Everything you need to budget smarter
7-Day Free Trial
US$7.99/month

or US$79.99/year (save 17%)

No charge until trial ends

Everything in Free, and:

Auto bank sync (1 connection)
Unlimited Money Coach
Advanced reports & cash flow forecast
Weekly AI spending summaries
5 years historical data

Secure payment via Stripe

Cancel anytime. No questions asked.

Pro
For power users & households
7-Day Free Trial
US$12.99/month

or US$129.99/year (save 17%)

No charge until trial ends

Everything in Plus, and:

Auto bank sync (5 connections)
Net worth tracking
401(k), IRA & tax-advantaged account tracking
Unlimited historical data
Household budgeting

Secure payment via Stripe

Cancel anytime. No questions asked.

47% cheaper than YNAB · Premium features at affordable pricing

Got Questions?

Is this budgeting app really free?
Yes, Waypoint is a completely free budget app! Unlimited transactions (add manually, scan receipts, or upload CSV files), all budget categories, Money Coach (5 messages/day), and 24 months of history. No credit card required.
Do I need to provide my bank credentials?
No, our Free plan requires no bank connection - you can add transactions manually, scan receipts or bank statements for automatic extraction, or upload CSV files from your bank. Bank sync (automatic transaction import) is optional (Plus/Pro only) via encrypted Plaid.
Is my financial data secure?
Absolutely. All data is encrypted in transit using SSL/TLS on secure cloud infrastructure. We never sell your data to third parties. You can delete your account and all data anytime.
Which banks are supported?
10,000+ financial institutions through Plaid - including Chase, Bank of America, Wells Fargo, Citi, US Bank, PNC, Capital One, and thousands more across the United States.

What Makes Us Different?

Built by someone who struggled with budgeting apps that felt like homework

Privacy first

Revenue from subscriptions, not selling your data.

Solo founder

Not a corporation. Built and used daily by me.

Simple by design

No overwhelming dashboards or features.

Smart when you need it

Personalized guidance and insights, not generic advice.

Budget on the go or on your desktop

Waypoint Mobile App

PWA

Works like a native app on iPhone and Android. No app store needed - install directly from your browser.

    Waypoint Budget - Simple Budgeting That Sticks