All the budgeting tools you need to succeed, without the complexity.
Advice tailored to your spending.
3 ways to save:
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.
We never see your bank passwords.
Bank-Level Encryption
SSL/TLS in transit, encrypted at rest
Zero Credential Storage
We never see your bank passwords
Read-Only Access
No one can move your money
Powered by




Advice tailored to your spending.
3 ways to save:
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.
We never see your bank passwords.
Bank-Level Encryption
SSL/TLS in transit, encrypted at rest
Zero Credential Storage
We never see your bank passwords
Read-Only Access
No one can move your money
Powered by




Drop a file. We handle the rest.
Easy on the eyes.
Auto-tags every transaction.
See every bill and payment at a glance.
February 2025
Personal + shared views in one tap.
My Budget
Personal
Income
$3,200
Left
$1,353
Projections, tracking & milestones.
Spending vs. budget over time.
Drop a file. We handle the rest.
Easy on the eyes.
Auto-tags every transaction.
See every bill and payment at a glance.
February 2025
Personal + shared views in one tap.
My Budget
Personal
Income
$3,200
Left
$1,353
Projections, tracking & milestones.
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:
We never see your bank passwords.
Bank-Level Encryption
SSL/TLS in transit, encrypted at rest
Zero Credential Storage
We never see your bank passwords
Read-Only Access
No one can move your money
Powered by




Auto-tags every transaction.
Easy on the eyes.
Projections, tracking & milestones.
See every bill and payment at a glance.
February 2025
Personal + shared views in one tap.
My Budget
Personal
Income
$3,200
Left
$1,353
Spending vs. budget over time.
Drop a file. We handle the rest.
Banks Across North America
Securely connect to any financial institution through our partnerships with Plaid and Flinks
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 two people who struggled with budgeting apps that felt like homework
Revenue from subscriptions, not selling your data.
Not a corporation. Bootstrapped and independent.
No overwhelming dashboards or features.
Personalized guidance and insights.
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!"
Barbara Whittaker
"Wonderful experience excellent customer support and product!!"
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."
Mike
"This app makes budgeting and tracking your money simple. It is intuitive and well developed. But what really makes this app head and shoulders above other apps is the developers desire to make it better. Not only did they reply back to questions I had about certain functions (I find it rare that app developers even respond to emails or messages), they made changes to the app to address these issues. Amazing!!"
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!"
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 :)"
Stevie Baker
"Waypoint is amazing. It's intuitive and easy to use. It allows you to set goals, track budget lines, group things together into categories and shows pie charts of the percentages of your budget. You can set goals and feel completely in control and informed. It's an excellent budgeting app the the customer service is second to none."
Kerem
"Great budgeting app with very active development team! I've been using it for over 5 months and very happy with the user experience. The paid feature to use Plaid to sync bank transactions is worth considering on its own. Filters credit card payment and receive transactions well enough by itself and provides a lot of customization."
Johnny D.
"It's a really great tool to get you started on your budgeting journey. Easy to understand and navigate, easy to customize. On top of that they have rapid customer service - when I had questions they would respond within 24h-48h. Impressive stuff! Keep doing what you're doing."
J.P. Métivier
"Outstanding product built by an attentive and responsive team. By far the best budgeting tool I've tried. I wish they had a referral program because I'm already referring it to my close circle."
Tony S Pietromonaco
"Great product and excellent customer service"
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…"
James W
"One of the best budgeting apps I've used. Not unnecessarily invasive, functional, adaptable. Developing and updating faster than the issues can annoy you. Canadian made is also a huge bonus. Keep up the stellar work team!"