Waypoint BudgetWaypoint Budget

Budgeting Made Simple

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

No credit card required · 2-minute setup

User
User
User
User

Everything a Budget App Should Do

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

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
Potential savings$109/mo

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

Capital One

Capital One

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

Your Data, Protected

We never see your bank passwords.

SSL EncryptedSOC 2 InfraPlaid + Flinks

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

Plaid
Flinks
Stripe
Clerk

Subscriptions

$47.98/mo
N
Netflix$15.99
S
Spotify$11.99
C
ChatGPT$20.00

Calculators

Tax Refund
Savings
Mortgage

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
Potential savings$109/mo

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

Capital One

Capital One

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

Your Data, Protected

We never see your bank passwords.

SSL EncryptedSOC 2 InfraPlaid + Flinks

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

Plaid
Flinks
Stripe
Clerk

Subscriptions

$47.98/mo
N
Netflix$15.99
S
Spotify$11.99
C
ChatGPT$20.00

Calculators

Tax Refund
Savings
Mortgage

CSV Import

Drop a file. We handle the rest.

bank_nov_2024.csv
47 transactions imported

Household

Maya
Maya$4,200
Jordan
Jordan$3,800

Dark Mode

Easy on the eyes.

Recurring Bills

Rent$1,800
Netflix$15.99
Gym$49.99

Smart Categorization

Auto-tags every transaction.

StarbucksDining
WalmartGroceries
AmazonShopping
SpotifySubs

Calendar View

See every bill and payment at a glance.

February 2025

SMTWTFS
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For Couples

Most

Personal + shared views in one tap.

Sarah

My Budget

Personal

Income

$3,200

Left

$1,353

Rent$850
Groceries$234
Fun Money$189

Financial Goals

Projections, tracking & milestones.

Amex Payoff22.0% APR
5%
$893remaining
Monthly$300
PayoffJun 2026
Interest$47
$1k$0
Down Payment
53%
$26,500of $50,000

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

CSV Import

Drop a file. We handle the rest.

bank_nov_2024.csv
47 transactions imported

Household

Maya
Maya$4,200
Jordan
Jordan$3,800

Dark Mode

Easy on the eyes.

Recurring Bills

Rent$1,800
Netflix$15.99
Gym$49.99

Smart Categorization

Auto-tags every transaction.

StarbucksDining
WalmartGroceries
AmazonShopping
SpotifySubs

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

For Couples

Most

Personal + shared views in one tap.

Sarah

My Budget

Personal

Income

$3,200

Left

$1,353

Rent$850
Groceries$234
Fun Money$189

Financial Goals

Projections, tracking & milestones.

Amex Payoff22.0% APR
5%
$893remaining
Monthly$300
PayoffJun 2026
Interest$47
$1k$0
Down Payment
53%
$26,500of $50,000

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 partnerships with Plaid and Flinks

7,000+US Banks
3,000+CA Banks
256-bitEncryption
ChaseTDRBCBank of AmericaWells FargoBMOScotiabankCiti
G
AB
Jodi Harbarenko
Byra Dineshkumar
Stevie Baker
Trusted by 4,000+ Budgeters

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
Smart 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 and Flinks connections.
Is my financial data secure?
Your data is encrypted both in transit (TLS) and at rest (AES-256) on secure cloud infrastructure. Bank credentials are handled by our SOC 2 certified providers (Plaid and Flinks) — we never see or store your login details. We never sell your data to third parties, and you can delete your account and all data anytime.
Which banks are supported?
10,000+ financial institutions through Plaid and Flinks - 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 two people who struggled with budgeting apps that felt like homework

Privacy first

Revenue from subscriptions, not selling your data.

Team of two

Not a corporation. Bootstrapped and independent.

Simple by design

No overwhelming dashboards or features.

Smart when you need it

Personalized guidance and insights.

Budgeting Anywhere You Go

Waypoint Mobile App

PWA

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

    Waypoint Budget - Budgeting Made Simple