Best Free Budgeting App for College Students in Canada (2026)
Managing money in college is hard enough without paying for tools to help you do it. Here's how Canadian students can budget effectively with a free app that actually works, plus a realistic student budget template, OSAP tips, and credit-building strategies.
March 3, 202613 min read
Nobody teaches you how to manage money before college. You get your first OSAP deposit, feel briefly rich, and three months later you're eating ramen wondering where it went. That's not a discipline problem, it's what happens when irregular income meets zero training.
A 2025 Canadian Federation of Students survey found more than 60% of post-secondary students feel stressed about money, and nearly half don't feel confident managing it. The fix isn't complicated, you just need a system built for how student income actually works: irregular, lump-sum, and unpredictable.
Quick Answer
Waypoint Budget is the best free budgeting app for Canadian college students because the free tier never expires, needs no student ID, and includes a Smart Money Coach and zero-based budgeting built for irregular income, with sync across major Canadian banks via Plaid and Flinks. YNAB's student plan gives you a real free year, but after graduation it jumps to about $21 CAD a month.
OSAP Budget Calculator
Enter your OSAP details to see how much you can actually spend each month
Why Students Struggle with Budgeting
Before we talk solutions, let's acknowledge why budgeting as a student is genuinely harder than budgeting with a full-time salary. It's not a lack of discipline. The structure of student life makes money management uniquely challenging.
Irregular Income from Part-Time Work
Most students don't work consistent 40-hour weeks. You might pick up 20 hours during a slow week and 8 hours during midterms. Your paycheques fluctuate from $300 to $900 depending on your schedule, making it nearly impossible to plan around a fixed monthly income. Traditional budgeting advice like "allocate 50% of your income to needs" falls apart when your income changes every two weeks.
OSAP Disbursement Cycles
OSAP (Ontario Student Assistance Program) and other provincial student loans typically arrive as lump sums at the start of each semester, usually in September and January. You might receive $4,000 to $10,000 in a single deposit that needs to last four months. Without a budget, that money evaporates fast. The psychological trap is real: seeing $8,000 in your account feels abundant, even though $4,500 of it is earmarked for tuition and the remaining $3,500 needs to cover four months of living expenses.
First Time Managing Money
For many students, college is the first time they're responsible for rent, groceries, a phone bill, and transportation. There's no class on how to read a bank statement, understand transaction fees, or figure out how much you can actually afford to spend on food each week. You're learning everything by trial and error, and errors cost money.
Social Pressure to Spend
College is a social experience, and social experiences cost money. Going out for dinner, splitting an Uber, grabbing coffee between classes, birthday gifts, weekend trips, it all adds up quickly. Saying "I can't afford it" feels awkward, especially when everyone around you seems to be spending freely (spoiler: most of them can't afford it either, or they have financial support you don't know about).
Variable Schedules
Your expenses change dramatically between semesters. During the school year, you might spend $150/month on transit. In summer, you might not need a bus pass at all but suddenly need gas money for a car commute to a summer job. Fall semester might require $600 in textbooks; winter semester might only need $200. This constant variability makes "set it and forget it" budgeting impossible.
What Students Need in a Budgeting App
Not every budgeting app works well for students. Most are designed for people with steady salaries, monthly mortgages, and predictable expenses. Here's what students specifically need:
Actually Free (Not a "Free Trial")
Students are on tight budgets. Paying $14 to $21/month for a budgeting app is ironic when you're trying to save money. You need something genuinely free, not "free for 34 days" or "free with limited features that make it useless." A forever-free tier with real functionality is essential.
Simple and Fast Setup
If an app requires 30 minutes of tutorials before you can use it, students won't stick with it. You need something you can set up between classes, ideally in under 10 minutes, that guides you through setup rather than assuming you already know budgeting terminology.
Works Great on Phone
Students live on their phones. You need to check your budget standing in line at the campus Tim Hortons, log a transaction on the bus, or review your spending between lectures. A budgeting app that only works well on desktop is a non-starter.
Handles Irregular Income
Your income changes every pay period, so your app needs to support zero-based budgeting: you budget based on money you actually have right now, not money you expect to earn. It's the only approach that works reliably for students with unpredictable paycheques.
Student-Specific Categories
You need categories that match student life: tuition, textbooks, meal plans, lab fees, student union fees, school supplies. Generic categories like "mortgage" and "childcare" aren't helpful. Custom categories let you track what actually matters for your situation.
OSAP & Student Loan Management Tips
If you receive OSAP or any provincial/federal student loan, managing those disbursements is probably the single most important budgeting skill you can develop in college. Here's how to handle it.
Understanding OSAP Disbursement Timing
OSAP typically sends funds in two installments per academic year: one at the start of the fall semester (usually late August or early September) and one at the start of the winter semester (usually early January). The exact dates vary, but you can check your OSAP account for your specific disbursement schedule.
The fall disbursement covers September through December (4 months). The winter disbursement covers January through April (4 months). If you're doing a summer semester, you may receive a separate, smaller disbursement for May through August.
Budgeting a Lump Sum Over 4 Months
This is where most students go wrong. Let's walk through a real example:
Example: Fall Semester OSAP Breakdown
Total OSAP received$8,200
Tuition & fees (paid directly to school)-$4,500
Remaining for living expenses$3,700
Monthly living budget (4 months)$925/month
That $925/month needs to cover rent, groceries, transit, phone, and everything else. Add $600 to $800/month from part-time work and your total monthly budget is $1,525 to $1,725.
The key is to divide your living expense portion by 4 immediately when you receive the disbursement. Don't just "spend carefully." Assign specific dollar amounts to each month. In a zero-based budgeting app like Waypoint Budget, you can assign exactly $925 to September's budget from your OSAP funds, then repeat for October, November, and December.
Separating Tuition Money from Living Expenses
If your tuition isn't automatically deducted by your school (some schools take it directly from OSAP before you receive the rest), you need to mentally and digitally separate tuition money from spending money. The best approach is to create a separate "Tuition" category in your budget and assign the full tuition amount to it the moment your OSAP arrives. That money is spoken for. It's not available to spend.
Do Not Touch Tuition Money
One of the most common mistakes students make is dipping into tuition money for living expenses, thinking they'll "pay it back later." They rarely do. If your tuition is $4,500 and you spend $500 of it on rent and food, you'll owe the school $500 and potentially face registration holds or late fees. Budget as if tuition money doesn't exist.
Tracking Loan vs. Grant Portions
Your OSAP funding is split into two parts: grants (free money you don't pay back) and loans (money you'll repay with interest after graduation). Check your OSAP assessment to see the breakdown. Understanding this split matters because the loan portion accrues interest six months after you leave school. If you can minimize how much of the loan portion you actually spend, by working part-time and saving some of the loan money, you can return the unused loan portion and reduce your post-graduation debt. You can even do this through the NSLSC (National Student Loans Service Centre) portal.
The Student Budget Template
Here's a realistic monthly budget for a Canadian college student. These numbers are based on average costs in mid-sized Canadian cities (think Ottawa, Hamilton, London, Waterloo). If you're in Toronto or Vancouver, bump rent up by $200-$500. If you're in a smaller city like Sudbury or Thunder Bay, you might spend less on rent but more on transportation.
Category
Low End
Mid Range
High End
Rent (shared accommodation)
$600
$850
$1,200
Groceries
$200
$275
$350
Transportation
$100
$130
$150
Phone
$40
$50
$60
Textbooks & Supplies (amortized)
$50
$75
$100
Tuition (amortized monthly)
$750
$950
$1,200
Entertainment & Social
$50
$100
$150
Personal Care & Laundry
$25
$40
$60
Emergency Fund
$25
$40
$50
Total Monthly
$1,840
$2,510
$3,320
Why Amortize Tuition Monthly?
Even though tuition is paid as a lump sum each semester, including it as a monthly line item in your budget helps you see the true cost of being a student. If your annual tuition is $9,000, that's $750/month over 12 months or $1,125/month over 8 months (September to April only), a more accurate picture of your total financial obligations.
The emergency fund matters, even at $25/month. After 8 months of school, you'll have $200 set aside. That's enough to cover an unexpected textbook, a broken phone screen, or a last-minute bus ticket home. It's not a lot, but it's the difference between handling an emergency and going into credit card debt over it.
Interactive Student Budget Builder
Adjust each category to build your own monthly budget. Set your target and see if you're on track.
Rent
$800
Groceries
$250
Transportation
$120
Phone
$50
Entertainment
$75
Savings
$40
Monthly Total
$1,335.00
Under Budget
+$165.00
Part-Time Income Tracking
If you work part-time while in school, and most Canadian students do, managing irregular income is one of your biggest budgeting challenges. Here's how to handle it.
Irregular Hours = Irregular Pay
During a typical semester, your hours might look like this: 15 hours one week, 8 hours the next (midterms), 20 hours the week after (reading week), and 4 hours during finals. At $17.60/hour (Ontario's general minimum wage in 2026), your biweekly paycheque could range anywhere from $200 to $700. You can't build a reliable budget around "I usually make about $500."
The Zero-Based Approach for Variable Income
This is exactly why zero-based budgeting works so well for students. Instead of guessing your monthly income and building a budget around that guess, you budget based on money you've already received. When your paycheque arrives, whatever the amount, you assign every dollar to a category: rent, groceries, transit, savings, or whatever you need most.
If you get a $400 paycheque, you might put $200 toward next month's rent, $120 toward groceries, $50 toward your phone bill, and $30 toward entertainment. If your next paycheque is $650, you assign those dollars too. The key principle: you only budget money you actually have, never money you expect to earn.
The "Baseline Budget" Approach
Calculate your absolute minimum monthly expenses, the bills that must be paid no matter what. For most students, this includes:
Rent: $800 (your share, non-negotiable)
Groceries (bare minimum): $175
Phone: $45
Transit pass: $120
Baseline total: $1,140/month
This is your baseline. As long as you cover $1,140/month from OSAP and part-time work combined, you can survive. Anything above that baseline goes to categories like entertainment, savings, clothing, or next month's buffer. This approach eliminates the stress of "can I afford to live?" You know exactly the minimum you need.
How to Budget with Tips
If you work in food service, retail, or any job where you earn tips, budgeting gets even trickier. Tips are inconsistent and often received in cash, making them easy to spend without tracking. Here are two rules that help:
Rule 1: Deposit all cash tips into your bank account weekly. Don't keep tip money in your wallet, because it disappears. Every Sunday, deposit your week's tips and log them in your budgeting app as income. This forces you to track them.
Rule 2: Budget only your base pay; treat tips as bonus money. Build your baseline budget around your guaranteed hourly wage only. When tips come in, assign them to savings, your emergency fund, or a specific savings goal (like a spring break trip or new laptop). This way, a bad tip week doesn't wreck your budget, and a good tip week accelerates your goals.
How to Build Credit Responsibly as a Student
Building credit in college is one of the smartest financial moves you can make, but it's also one of the easiest ways to get into trouble if you don't have a system. A budgeting app is your safety net.
Student Credit Cards in Canada
Most major Canadian banks offer student credit cards with no annual fee and low credit limits ($500-$1,500). Popular options include the BMO CashBack Mastercard for Students, the CIBC Dividend Visa Card for Students, the Scotiabank Scene+ Visa Card for Students, and the TD Cash Back Visa Card for Students. These cards are designed for first-time credit users and typically don't require a credit history to apply.
Keeping Utilization Under 30%
Credit utilization, the percentage of your credit limit you're using, is one of the biggest factors in your credit score. If your credit limit is $1,000, you should never carry a balance higher than $300 at any point during the billing cycle. Ideally, keep it under 10% ($100 on a $1,000 limit) for the best credit score impact.
The easiest approach: use your student credit card for one or two recurring expenses only (like your phone bill and a streaming subscription), set up automatic full payment every month, and track the spending in your budget. Never use the credit card for impulse purchases or as an "emergency fund."
Warning: Credit Card Interest Rates
Student credit cards typically charge 19.99% to 22.99% annual interest on unpaid balances. Carry a $500 balance for a year and you'll pay $100 to $115 in interest alone, money that could cover a month of groceries. Always pay your full statement balance by the due date. If you can't afford to pay it off, you can't afford to charge it.
Why This Matters After Graduation
When you graduate, a strong credit score (700+) unlocks real-world benefits: easier apartment rentals (landlords check credit scores), lower interest rates on car loans, better cell phone plans (some carriers run credit checks), and eventually a better mortgage rate. Students who graduate with 3-4 years of on-time credit card payments and low utilization often have credit scores above 750, which puts them in excellent financial standing from day one of their career.
Tracking Credit Card Spending in Your Budget
This is critical: when you spend on a credit card, it should come out of your budget immediately, not when the credit card bill arrives. If you buy $45 of groceries on your credit card, that $45 should be deducted from your Groceries category right away. This is how zero-based budgeting with credit cards works, and it prevents the trap of spending money on a credit card that you don't actually have budgeted.
Student Discounts and Free Tools
Before you pay full price for anything, check if there's a student discount. Your student ID is worth hundreds of dollars per year in savings. Here are the big ones:
Streaming & Entertainment
Spotify Premium Student: $5.99/month (includes Hulu in some regions). Apple Music Student: $5.99/month. Amazon Prime Student: $4.99/month (half price). YouTube Premium Student: $7.99/month. These add up to over $100/year in savings compared to regular pricing.
Software & Technology
Microsoft 365 Education: free through most Canadian universities. GitHub Student Developer Pack: free (worth hundreds in developer tools). Adobe Creative Cloud: up to 60% off with student pricing. Apple and Samsung both offer student pricing on laptops, tablets, and phones, typically saving $100 to $300.
Public Transit Student Passes
Most Canadian universities include a discounted transit pass (U-Pass) in your student fees. In cities like Toronto (TTC), Ottawa (OC Transpo), Vancouver (TransLink), and Waterloo (GRT), this saves $30 to $60/month compared to buying a regular monthly pass. Check if your school already has a U-Pass program before you pay for transit separately.
Campus Resources You're Already Paying For
Your student fees fund resources you might not know about: campus food banks (no stigma, widely used), emergency bursaries for unexpected expenses, free counselling services, free gym memberships, free tutoring centres, and career services. These exist because students need them, so use them.
Waypoint Budget: Free Forever (Not a Student Discount)
Unlike apps that offer temporary student discounts, Waypoint Budget is genuinely free forever for all users, not just students. The free tier includes unlimited manual transactions, all budget categories, Smart Money Coach (5 messages/day), and unlimited transaction history. No student status to verify, and the free tier doesn't expire when you graduate.
Why Waypoint Budget is the Best Choice for Students
After reviewing dozens of budgeting apps, here's why Waypoint Budget stands out for Canadian college and university students specifically:
Smart Money Coach Included (5 Messages a Day, Free)
Not sure how to allocate your OSAP money? Wondering if you're spending too much on food? Ask the Smart Money Coach. It reads your actual spending data and gives personalized answers to questions like "Am I on track for this semester?" or "How can I save $200 this month?" Five free messages a day is plenty for most students.
Bank Sync with All Major Canadian Banks
Connect your TD student chequing account, your CIBC student Visa, your Tangerine savings, whatever you use. Waypoint Budget connects through both Plaid and Flinks, which together cover major banks plus Tangerine, EQ Bank, Simplii Financial, and hundreds of credit unions. Flinks adds deeper coverage where Plaid falls short, so if one provider does not support your bank, the other usually does, and your transactions sync automatically in the background.
Zero-Based Budgeting Keeps Every Dollar Tracked
When your income is irregular, zero-based budgeting is the only method that reliably works. Every dollar that enters your account gets assigned a job: rent, groceries, transit, savings. There's no "unbudgeted" money floating around waiting to be impulsively spent, which matters most the moment your OSAP arrives as a big lump sum.
Grows with You After Graduation
Unlike apps that are "free for students" and then charge full price after graduation, Waypoint Budget's free tier stays free forever. When you land your first full-time job and your finances get more complex, upgrade to Plus for automatic bank sync and unlimited Smart Money Coach. Same app, no migrating your data.
YNAB Student Discount vs. Waypoint Budget Free
YNAB deserves credit for offering a student discount, since it's one of the few premium budgeting apps that does. But let's compare the full picture:
Feature
YNAB (Student)
Waypoint Budget (Free)
Price During School
Free (1 year)
Free (forever)
Price After Graduation
~$21 CAD/month ($14.99 USD/month)
Free or $7.99 CAD/month
Requires Student Verification
Yes (.edu email)
No
Free Duration
12 months
Unlimited
Bank Sync
Plus only ($7.99/mo)
Smart Money Coach
Canadian Bank Support
Limited
Full (Plaid + Flinks)
Learning Curve
Steep
Gentle
TFSA/RRSP Tracking
Pro plan
What Happens After Graduation?
This is the part most students don't think about when signing up for YNAB's student discount. Here's the reality:
With YNAB: Your free year expires. You now owe $14.99 USD/month (~$21 CAD/month) or $109 USD/year (~$153 CAD/year). You're fresh out of school, probably earning an entry-level salary, possibly still paying off OSAP, and now your budgeting app costs $252 CAD/year if you forget to switch to the annual plan. Many students cancel at this point and lose their budgeting habit entirely, the worst possible outcome.
With Waypoint Budget: Nothing changes. Your free tier stays free. When you're earning more and want automatic bank sync or unlimited Smart Money Coach, you upgrade to Plus for $7.99 CAD/month, on your terms, when it makes sense for your budget. There's no cliff, no sudden bill, no guilt-driven decision.
Cost Over 4 Years of University
YNAB (Year 1 free, then ~$153/yr x 3)~$459 CAD total
Waypoint Budget Free tier$0 for all 4 years
Waypoint Budget Plus ($79.99/yr x 4)$319.96 CAD total
You save $459 CAD over 4 years using Waypoint Budget's free tier instead of YNAB's student plan.
4-Year Cumulative Cost Comparison
YNAB (with student discount) vs. Waypoint Budget (free tier) over a 4-year degree
Loading chart...
YNAB: Year 1 free (student discount), Years 2-4 at ~$153 CAD/year. Waypoint: Free tier, $0 all 4 years.
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Waypoint Budget is the best free budgeting app for Canadian college students. It offers a forever-free tier with unlimited manual transactions, all budget categories, Smart Money Coach (5 messages/day), and unlimited transaction history. Unlike YNAB, which only offers a 34-day free trial (or 1 year free for students who verify enrollment), Waypoint Budget is genuinely free with no expiration date, no student verification required, and no sudden price increase after graduation.
When you receive your OSAP disbursement (typically in September and January), divide the total amount by the number of months it needs to cover (usually 4 months per semester). Separate your tuition money from living expenses immediately, either by letting your school deduct tuition directly or by assigning the tuition amount to a dedicated category in your budget so you do not accidentally spend it. For example, if you receive $8,200 and $4,500 goes to tuition, you have $3,700 for 4 months of living expenses ($925/month). Use a zero-based budgeting app like Waypoint Budget to assign each month’s portion to specific categories.
A typical Canadian college student should budget approximately $1,500 to $2,500 per month for living expenses (excluding tuition). This includes rent ($600-$1,200 depending on city and whether you share), groceries ($200-$350), transportation ($100-$150 or included via U-Pass), phone ($40-$60), textbooks and supplies ($50-$100 amortized monthly), entertainment ($50-$150), and a small emergency fund contribution ($25-$50). Students in Toronto and Vancouver should expect to be at the higher end of these ranges, while students in smaller cities like Kingston, Guelph, or Fredericton will typically fall at the lower end.
YNAB offers a 1-year free subscription for students who can verify their enrollment with a valid student email address. After the free year expires, YNAB costs $14.99 USD/month (about $21 CAD/month) or $109 USD/year (about $153 CAD/year). Waypoint Budget, by comparison, offers a forever-free tier that never expires, regardless of whether you are a student or not. You do not need to verify your student status, and the free tier stays free after graduation.
Use the baseline budget approach: calculate your minimum monthly expenses (rent, groceries, phone, transit), then budget only based on income you have already received, not income you expect. Zero-based budgeting apps like Waypoint Budget are ideal because you assign every dollar a job based on what you actually have in your account right now. When you get a paycheque, whatever the amount, immediately assign each dollar to a category. When you earn more than your baseline in a given month, put the extra toward savings, your emergency fund, or next month’s rent buffer. If you earn tips, deposit them weekly and treat them as bonus money above your base pay budget.
Start Budgeting for Free Today
Join Canadian students who use Waypoint Budget to manage their OSAP, track part-time income, and build healthy money habits. Free forever, no credit card, no student verification.
This article is for informational and editorial purposes only and reflects the author's own testing and opinions. Waypoint Budget is our own product, and we describe every option as accurately as we can, including the cases where a competitor is the better fit. Waypoint Budget is not affiliated with, endorsed by, or sponsored by YNAB and Mint, or any other company named here. All trademarks, logos, and brand names are the property of their respective owners and are used for identification and editorial purposes only. Pricing, features, and availability change without notice, so verify current details with each provider before deciding. This is not financial advice.
YNAB (Student)
Waypoint Budget (Free)
You're in good company
Don't take our word for it. See what people are saying about us on Trustpilot.
Trusted by 10,000+ budgeters
De-anna Lea
I’m really liking waypoint. I have been using EveryDollar for the last 6 yrs and switched over last month. I like the analytics and set up has been fairly easy. Bit of a learning curve with rollover accounts but that’s user error I’m fairly sure. Really like all the options.
Khalil Redd
So far love the app!! It’s very efficient and does an excellent job of defining and labeling transactions. Anything it struggles with it flags and allows you to label it yourself and it remembers that for future similar transactions. Also it updates well
Maxime
Great interface and support for banks.
Alex Anna
In-depth analysis of my finance. Visual and easy to use. The best app.
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. Many of the apps have very dark interfaces which is off putting to me. 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 - budget, categories, transactions, etc. I was able to connect my bank easily. I now actually enjoy keeping track of my finances. The tool is great, but the service is even better. I had a couple of questions and when I wrote to the website creator, he connected with me within hours, sometimes minutes. He is awesome to work with and has even taken a suggestion I made to make the website even better. He is constantly striving to meet the needs of his clients. I gladly signed up for a year. Check out Waypoint Budget. You will not be disappointed.
Helene
The book mark version has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app... (as of July 2026)... time will tell how that compares.
Kristin Gyuran
New to this app and love it. I really appreciate how you can interact with the creators to ask questions and recommend improvements. I find it easy to use and it syncs with my bank easily. Would highly recommend to anyone wishing to be more mindful with their money.
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.
Mathieu Thériault
Great canadian financial planning application. Focuses on what's important, lots of potential and delivers on most of it, the rest will come as they are updating the application steadily on what matters most. Support is superb, quick, detailed, with troubleshooting steps and possible solutions as soon as the first message.
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.
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.
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…
Leon Gongola
the subscriptions tracking love how it automates and fills in by itself without having me to manually input each transaction every time good transaction tracking, I love the budgeting feature helps to see what payments are coming up and how much is you fixed total cost per month.
De-anna Lea
I’m really liking waypoint. I have been using EveryDollar for the last 6 yrs and switched over last month. I like the analytics and set up has been fairly easy. Bit of a learning curve with rollover accounts but that’s user error I’m fairly sure. Really like all the options.
Khalil Redd
So far love the app!! It’s very efficient and does an excellent job of defining and labeling transactions. Anything it struggles with it flags and allows you to label it yourself and it remembers that for future similar transactions. Also it updates well
Maxime
Great interface and support for banks.
Alex Anna
In-depth analysis of my finance. Visual and easy to use. The best app.
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. Many of the apps have very dark interfaces which is off putting to me. 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 - budget, categories, transactions, etc. I was able to connect my bank easily. I now actually enjoy keeping track of my finances. The tool is great, but the service is even better. I had a couple of questions and when I wrote to the website creator, he connected with me within hours, sometimes minutes. He is awesome to work with and has even taken a suggestion I made to make the website even better. He is constantly striving to meet the needs of his clients. I gladly signed up for a year. Check out Waypoint Budget. You will not be disappointed.
Helene
The book mark version has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app... (as of July 2026)... time will tell how that compares.
Kristin Gyuran
New to this app and love it. I really appreciate how you can interact with the creators to ask questions and recommend improvements. I find it easy to use and it syncs with my bank easily. Would highly recommend to anyone wishing to be more mindful with their money.
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.
Mathieu Thériault
Great canadian financial planning application. Focuses on what's important, lots of potential and delivers on most of it, the rest will come as they are updating the application steadily on what matters most. Support is superb, quick, detailed, with troubleshooting steps and possible solutions as soon as the first message.
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.
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.
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…
Leon Gongola
the subscriptions tracking love how it automates and fills in by itself without having me to manually input each transaction every time good transaction tracking, I love the budgeting feature helps to see what payments are coming up and how much is you fixed total cost per month.
Adam Cabral
Very helpful budget tracker! Highly recommend.
Viona Smith
Fantastic app to use. Developers are super helpful, provide and take great honest feedback. Really trying to make this app even more amazing then it already is. So happy I found it.
T. D.
The program is great, but what sets it apart are two things: 1) When you need any questions answered, they answer by email within the same day. and 2) They are always upgrading their system with new features!
Ryan Plester
Great budgeting tool for less money than others. The dashboard is particularly insightful
Ayla Bee
A great replacement for MINT and more intuitive than MINT was!
Fargo6
what makes this a 5 star app is the few issues that arose or that I was confused about such as importing transactions and linking banks. I contacted the developer and they messaged back quickly that they implemented fix's for my issues and to retry it. this to me is a very active development team that cares about the product they are selling. 5 star for trust.
Jodi Harbarenko
What an incredible find Waypoint Budget is! I used MINT for well over a decade before it ended, and then switched to YNAB for a couple of years as there seemed to be nothing else available to Canadians. While I liked some aspects of YNAB, it was very expensive and was pretty frustrating to work with in some of its features. I stumbled on Waypoint after asking the internet if any new alternatives were around, and it suggested this great program. Not only is it Canadian, but the price is far better than YNAB, the features are more straightforward to work with (more like MINT used to be), and its founder and designer is incredibly supportive with any questions I have. He has responded right away to any questions or problems I am facing and always makes sure I have everything working as it should be. He is even open to new suggestions of features that I enjoyed in YNAB that are missing in Waypoint and is always improving his program with new changes! It's so amazing to see it evolving. I ended my YNAB subscription and am very happy with my experience thus far with Waypoint. I have the PRO version and have my banks connected to download transactions, and I love that categorizing is straightforward and the dashboard gives me a clear picture of what I've spent in each category and what remains. I know Jamal, the founder, is working with bank connections to make them easier to refresh, but the workaround he gave me is perfect and works like a charm. I give this budgeting program five stars and would say it is worth its value as a life-long budget geek--but also because it is a young Canadian software developer who brought it into being! Incredible program and very worth the trial... and subsequent subscription!
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.
Sabine
If you’re looking for a Canadian-made budgeting solution, look no further. Waypoint is easy to use, even for a budgeting novice — the layout and functionality just make sense, and there’s an app as well. Best of all, if you ever have questions, you get a real human to help you out quickly. Thank you!
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.
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.
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!
Adam Cabral
Very helpful budget tracker! Highly recommend.
Viona Smith
Fantastic app to use. Developers are super helpful, provide and take great honest feedback. Really trying to make this app even more amazing then it already is. So happy I found it.
T. D.
The program is great, but what sets it apart are two things: 1) When you need any questions answered, they answer by email within the same day. and 2) They are always upgrading their system with new features!
Ryan Plester
Great budgeting tool for less money than others. The dashboard is particularly insightful
Ayla Bee
A great replacement for MINT and more intuitive than MINT was!
Fargo6
what makes this a 5 star app is the few issues that arose or that I was confused about such as importing transactions and linking banks. I contacted the developer and they messaged back quickly that they implemented fix's for my issues and to retry it. this to me is a very active development team that cares about the product they are selling. 5 star for trust.
Jodi Harbarenko
What an incredible find Waypoint Budget is! I used MINT for well over a decade before it ended, and then switched to YNAB for a couple of years as there seemed to be nothing else available to Canadians. While I liked some aspects of YNAB, it was very expensive and was pretty frustrating to work with in some of its features. I stumbled on Waypoint after asking the internet if any new alternatives were around, and it suggested this great program. Not only is it Canadian, but the price is far better than YNAB, the features are more straightforward to work with (more like MINT used to be), and its founder and designer is incredibly supportive with any questions I have. He has responded right away to any questions or problems I am facing and always makes sure I have everything working as it should be. He is even open to new suggestions of features that I enjoyed in YNAB that are missing in Waypoint and is always improving his program with new changes! It's so amazing to see it evolving. I ended my YNAB subscription and am very happy with my experience thus far with Waypoint. I have the PRO version and have my banks connected to download transactions, and I love that categorizing is straightforward and the dashboard gives me a clear picture of what I've spent in each category and what remains. I know Jamal, the founder, is working with bank connections to make them easier to refresh, but the workaround he gave me is perfect and works like a charm. I give this budgeting program five stars and would say it is worth its value as a life-long budget geek--but also because it is a young Canadian software developer who brought it into being! Incredible program and very worth the trial... and subsequent subscription!
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.
Sabine
If you’re looking for a Canadian-made budgeting solution, look no further. Waypoint is easy to use, even for a budgeting novice — the layout and functionality just make sense, and there’s an app as well. Best of all, if you ever have questions, you get a real human to help you out quickly. Thank you!
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.
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.
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!
Max
I've been using Waypoint Budget mainly to manage a single account, and it handles everything far better than other competitors on the market. The built-in AI is honestly the best part. It makes tracking expenses and managing my account completely effortless. It saves so much manual work. Highly recommend if you want a clean app with AI that actually works!
Justin Miller
I've been looking for an effective tool since Mint shutdown. Although there's some app glitches still being sorted out, Waypoint is 100% the best option I've had available to me!
Noor Soultan
I looked and downloaded a lot of budgeting apps but this one is my fav. Its so easy to upload transaction my problem was connecting my bank to the app but now i just upload screen shots directly
Robert & Linda Johnstone
Waypoint is very user friendly with a clean and simple user interface. It's super helpful and gives great insight into household finances.
Barbara Whittaker
Wonderful experience excellent customer support and product!!
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!!
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 :)
Shannon Talarico
So far so great!!! Coming from a different budgeting app to this one I am really happy with the layout and simplicity/intuitiveness of the various tabs and views. I like so many of the features and I'm happy to be supporting a Canadian company. I wish I didn't have to reconnect the banks so often but I understand that is a bank issue and not something within Waypoint's control. They make it easy to reconnect so that's good.
Jared Friesen
Great with Canadian bank. The user interface is great. Budget tool is perfect.
Tony S Pietromonaco
Great product and excellent customer service
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.
Seif Allaoua
Impressive, it really surpassed my expectations, and I am usually a difficult customer when it comes to technology solutions. As a computer engineer myself, and a two weeks customer, I can already tell that the team at WayPoint did a fantastic work on this, despite Canadian banks having legacy and conservative methods of interacting with third parties. Two weeks in, I have already started seeing improvement in the way I manage my finances and I am able to forecast what's coming in savings, spending and reaching long term financial goals. A true five star solution. Thank you
Max
I've been using Waypoint Budget mainly to manage a single account, and it handles everything far better than other competitors on the market. The built-in AI is honestly the best part. It makes tracking expenses and managing my account completely effortless. It saves so much manual work. Highly recommend if you want a clean app with AI that actually works!
Justin Miller
I've been looking for an effective tool since Mint shutdown. Although there's some app glitches still being sorted out, Waypoint is 100% the best option I've had available to me!
Noor Soultan
I looked and downloaded a lot of budgeting apps but this one is my fav. Its so easy to upload transaction my problem was connecting my bank to the app but now i just upload screen shots directly
Robert & Linda Johnstone
Waypoint is very user friendly with a clean and simple user interface. It's super helpful and gives great insight into household finances.
Barbara Whittaker
Wonderful experience excellent customer support and product!!
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!!
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 :)
Shannon Talarico
So far so great!!! Coming from a different budgeting app to this one I am really happy with the layout and simplicity/intuitiveness of the various tabs and views. I like so many of the features and I'm happy to be supporting a Canadian company. I wish I didn't have to reconnect the banks so often but I understand that is a bank issue and not something within Waypoint's control. They make it easy to reconnect so that's good.
Jared Friesen
Great with Canadian bank. The user interface is great. Budget tool is perfect.
Tony S Pietromonaco
Great product and excellent customer service
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.
Seif Allaoua
Impressive, it really surpassed my expectations, and I am usually a difficult customer when it comes to technology solutions. As a computer engineer myself, and a two weeks customer, I can already tell that the team at WayPoint did a fantastic work on this, despite Canadian banks having legacy and conservative methods of interacting with third parties. Two weeks in, I have already started seeing improvement in the way I manage my finances and I am able to forecast what's coming in savings, spending and reaching long term financial goals. A true five star solution. Thank you
De-anna Lea
I’m really liking waypoint. I have been using EveryDollar for the last 6 yrs and switched over last month. I like the analytics and set up has been fairly easy. Bit of a learning curve with rollover accounts but that’s user error I’m fairly sure. Really like all the options.
Max
I've been using Waypoint Budget mainly to manage a single account, and it handles everything far better than other competitors on the market. The built-in AI is honestly the best part. It makes tracking expenses and managing my account completely effortless. It saves so much manual work. Highly recommend if you want a clean app with AI that actually works!
Viona Smith
Fantastic app to use. Developers are super helpful, provide and take great honest feedback. Really trying to make this app even more amazing then it already is. So happy I found it.
Maxime
Great interface and support for banks.
Noor Soultan
I looked and downloaded a lot of budgeting apps but this one is my fav. Its so easy to upload transaction my problem was connecting my bank to the app but now i just upload screen shots directly
Ryan Plester
Great budgeting tool for less money than others. The dashboard is particularly insightful
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. Many of the apps have very dark interfaces which is off putting to me. 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 - budget, categories, transactions, etc. I was able to connect my bank easily. I now actually enjoy keeping track of my finances. The tool is great, but the service is even better. I had a couple of questions and when I wrote to the website creator, he connected with me within hours, sometimes minutes. He is awesome to work with and has even taken a suggestion I made to make the website even better. He is constantly striving to meet the needs of his clients. I gladly signed up for a year. Check out Waypoint Budget. You will not be disappointed.
Barbara Whittaker
Wonderful experience excellent customer support and product!!
Fargo6
what makes this a 5 star app is the few issues that arose or that I was confused about such as importing transactions and linking banks. I contacted the developer and they messaged back quickly that they implemented fix's for my issues and to retry it. this to me is a very active development team that cares about the product they are selling. 5 star for trust.
Kristin Gyuran
New to this app and love it. I really appreciate how you can interact with the creators to ask questions and recommend improvements. I find it easy to use and it syncs with my bank easily. Would highly recommend to anyone wishing to be more mindful with their money.
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 :)
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.
Mathieu Thériault
Great canadian financial planning application. Focuses on what's important, lots of potential and delivers on most of it, the rest will come as they are updating the application steadily on what matters most. Support is superb, quick, detailed, with troubleshooting steps and possible solutions as soon as the first message.
Jared Friesen
Great with Canadian bank. The user interface is great. Budget tool is perfect.
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.
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.
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.
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!
Leon Gongola
the subscriptions tracking love how it automates and fills in by itself without having me to manually input each transaction every time good transaction tracking, I love the budgeting feature helps to see what payments are coming up and how much is you fixed total cost per month.
De-anna Lea
I’m really liking waypoint. I have been using EveryDollar for the last 6 yrs and switched over last month. I like the analytics and set up has been fairly easy. Bit of a learning curve with rollover accounts but that’s user error I’m fairly sure. Really like all the options.
Max
I've been using Waypoint Budget mainly to manage a single account, and it handles everything far better than other competitors on the market. The built-in AI is honestly the best part. It makes tracking expenses and managing my account completely effortless. It saves so much manual work. Highly recommend if you want a clean app with AI that actually works!
Viona Smith
Fantastic app to use. Developers are super helpful, provide and take great honest feedback. Really trying to make this app even more amazing then it already is. So happy I found it.
Maxime
Great interface and support for banks.
Noor Soultan
I looked and downloaded a lot of budgeting apps but this one is my fav. Its so easy to upload transaction my problem was connecting my bank to the app but now i just upload screen shots directly
Ryan Plester
Great budgeting tool for less money than others. The dashboard is particularly insightful
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. Many of the apps have very dark interfaces which is off putting to me. 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 - budget, categories, transactions, etc. I was able to connect my bank easily. I now actually enjoy keeping track of my finances. The tool is great, but the service is even better. I had a couple of questions and when I wrote to the website creator, he connected with me within hours, sometimes minutes. He is awesome to work with and has even taken a suggestion I made to make the website even better. He is constantly striving to meet the needs of his clients. I gladly signed up for a year. Check out Waypoint Budget. You will not be disappointed.
Barbara Whittaker
Wonderful experience excellent customer support and product!!
Fargo6
what makes this a 5 star app is the few issues that arose or that I was confused about such as importing transactions and linking banks. I contacted the developer and they messaged back quickly that they implemented fix's for my issues and to retry it. this to me is a very active development team that cares about the product they are selling. 5 star for trust.
Kristin Gyuran
New to this app and love it. I really appreciate how you can interact with the creators to ask questions and recommend improvements. I find it easy to use and it syncs with my bank easily. Would highly recommend to anyone wishing to be more mindful with their money.
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 :)
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.
Mathieu Thériault
Great canadian financial planning application. Focuses on what's important, lots of potential and delivers on most of it, the rest will come as they are updating the application steadily on what matters most. Support is superb, quick, detailed, with troubleshooting steps and possible solutions as soon as the first message.
Jared Friesen
Great with Canadian bank. The user interface is great. Budget tool is perfect.
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.
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.
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.
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!
Leon Gongola
the subscriptions tracking love how it automates and fills in by itself without having me to manually input each transaction every time good transaction tracking, I love the budgeting feature helps to see what payments are coming up and how much is you fixed total cost per month.
Adam Cabral
Very helpful budget tracker! Highly recommend.
Khalil Redd
So far love the app!! It’s very efficient and does an excellent job of defining and labeling transactions. Anything it struggles with it flags and allows you to label it yourself and it remembers that for future similar transactions. Also it updates well
Justin Miller
I've been looking for an effective tool since Mint shutdown. Although there's some app glitches still being sorted out, Waypoint is 100% the best option I've had available to me!
T. D.
The program is great, but what sets it apart are two things: 1) When you need any questions answered, they answer by email within the same day. and 2) They are always upgrading their system with new features!
Alex Anna
In-depth analysis of my finance. Visual and easy to use. The best app.
Robert & Linda Johnstone
Waypoint is very user friendly with a clean and simple user interface. It's super helpful and gives great insight into household finances.
Ayla Bee
A great replacement for MINT and more intuitive than MINT was!
Helene
The book mark version has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app... (as of July 2026)... time will tell how that compares.
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! I used MINT for well over a decade before it ended, and then switched to YNAB for a couple of years as there seemed to be nothing else available to Canadians. While I liked some aspects of YNAB, it was very expensive and was pretty frustrating to work with in some of its features. I stumbled on Waypoint after asking the internet if any new alternatives were around, and it suggested this great program. Not only is it Canadian, but the price is far better than YNAB, the features are more straightforward to work with (more like MINT used to be), and its founder and designer is incredibly supportive with any questions I have. He has responded right away to any questions or problems I am facing and always makes sure I have everything working as it should be. He is even open to new suggestions of features that I enjoyed in YNAB that are missing in Waypoint and is always improving his program with new changes! It's so amazing to see it evolving. I ended my YNAB subscription and am very happy with my experience thus far with Waypoint. I have the PRO version and have my banks connected to download transactions, and I love that categorizing is straightforward and the dashboard gives me a clear picture of what I've spent in each category and what remains. I know Jamal, the founder, is working with bank connections to make them easier to refresh, but the workaround he gave me is perfect and works like a charm. I give this budgeting program five stars and would say it is worth its value as a life-long budget geek--but also because it is a young Canadian software developer who brought it into being! Incredible program and very worth the trial... and subsequent subscription!
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.
Shannon Talarico
So far so great!!! Coming from a different budgeting app to this one I am really happy with the layout and simplicity/intuitiveness of the various tabs and views. I like so many of the features and I'm happy to be supporting a Canadian company. I wish I didn't have to reconnect the banks so often but I understand that is a bank issue and not something within Waypoint's control. They make it easy to reconnect so that's good.
Sabine
If you’re looking for a Canadian-made budgeting solution, look no further. Waypoint is easy to use, even for a budgeting novice — the layout and functionality just make sense, and there’s an app as well. Best of all, if you ever have questions, you get a real human to help you out quickly. Thank you!
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.
Tony S Pietromonaco
Great product and excellent customer service
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.
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…
Seif Allaoua
Impressive, it really surpassed my expectations, and I am usually a difficult customer when it comes to technology solutions. As a computer engineer myself, and a two weeks customer, I can already tell that the team at WayPoint did a fantastic work on this, despite Canadian banks having legacy and conservative methods of interacting with third parties. Two weeks in, I have already started seeing improvement in the way I manage my finances and I am able to forecast what's coming in savings, spending and reaching long term financial goals. A true five star solution. Thank you
Adam Cabral
Very helpful budget tracker! Highly recommend.
Khalil Redd
So far love the app!! It’s very efficient and does an excellent job of defining and labeling transactions. Anything it struggles with it flags and allows you to label it yourself and it remembers that for future similar transactions. Also it updates well
Justin Miller
I've been looking for an effective tool since Mint shutdown. Although there's some app glitches still being sorted out, Waypoint is 100% the best option I've had available to me!
T. D.
The program is great, but what sets it apart are two things: 1) When you need any questions answered, they answer by email within the same day. and 2) They are always upgrading their system with new features!
Alex Anna
In-depth analysis of my finance. Visual and easy to use. The best app.
Robert & Linda Johnstone
Waypoint is very user friendly with a clean and simple user interface. It's super helpful and gives great insight into household finances.
Ayla Bee
A great replacement for MINT and more intuitive than MINT was!
Helene
The book mark version has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app... (as of July 2026)... time will tell how that compares.
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! I used MINT for well over a decade before it ended, and then switched to YNAB for a couple of years as there seemed to be nothing else available to Canadians. While I liked some aspects of YNAB, it was very expensive and was pretty frustrating to work with in some of its features. I stumbled on Waypoint after asking the internet if any new alternatives were around, and it suggested this great program. Not only is it Canadian, but the price is far better than YNAB, the features are more straightforward to work with (more like MINT used to be), and its founder and designer is incredibly supportive with any questions I have. He has responded right away to any questions or problems I am facing and always makes sure I have everything working as it should be. He is even open to new suggestions of features that I enjoyed in YNAB that are missing in Waypoint and is always improving his program with new changes! It's so amazing to see it evolving. I ended my YNAB subscription and am very happy with my experience thus far with Waypoint. I have the PRO version and have my banks connected to download transactions, and I love that categorizing is straightforward and the dashboard gives me a clear picture of what I've spent in each category and what remains. I know Jamal, the founder, is working with bank connections to make them easier to refresh, but the workaround he gave me is perfect and works like a charm. I give this budgeting program five stars and would say it is worth its value as a life-long budget geek--but also because it is a young Canadian software developer who brought it into being! Incredible program and very worth the trial... and subsequent subscription!
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.
Shannon Talarico
So far so great!!! Coming from a different budgeting app to this one I am really happy with the layout and simplicity/intuitiveness of the various tabs and views. I like so many of the features and I'm happy to be supporting a Canadian company. I wish I didn't have to reconnect the banks so often but I understand that is a bank issue and not something within Waypoint's control. They make it easy to reconnect so that's good.
Sabine
If you’re looking for a Canadian-made budgeting solution, look no further. Waypoint is easy to use, even for a budgeting novice — the layout and functionality just make sense, and there’s an app as well. Best of all, if you ever have questions, you get a real human to help you out quickly. Thank you!
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.
Tony S Pietromonaco
Great product and excellent customer service
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.
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…
Seif Allaoua
Impressive, it really surpassed my expectations, and I am usually a difficult customer when it comes to technology solutions. As a computer engineer myself, and a two weeks customer, I can already tell that the team at WayPoint did a fantastic work on this, despite Canadian banks having legacy and conservative methods of interacting with third parties. Two weeks in, I have already started seeing improvement in the way I manage my finances and I am able to forecast what's coming in savings, spending and reaching long term financial goals. A true five star solution. Thank you
4.6/5 on Trustpilot