Best Budgeting Apps 2026: Honest Comparison & Reviews
I tested every major budgeting app, from free tiers to premium subscriptions. Here's how they actually compare on pricing, bank sync, and day-to-day usability.
Full disclosure: I built Waypoint Budget, the app at the top of this list. That makes me biased, but it also means I have tested every competitor here and know exactly what a budgeting app needs to get right. Where another app wins, I will say so.
Quick Answer
This is the full-spectrum guide: free apps, mid-range apps, and premium subscriptions. If you only want free options, our best free budgeting apps 2026 post narrows the list further.
Quick Comparison: Best Budgeting Apps 2026
| App | Price | Free Tier | Bank Sync | Smart Coach | Best For |
|---|---|---|---|---|---|
| Waypoint Budget | $7.99/mo | 10,000+ banks | Overall best | ||
| YNAB | $14.99/mo | 34-day trial | Most US banks | Power users | |
| Monarch Money | $14.99/mo | 7-day trial | Most US banks | Couples | |
| Goodbudget | $10/mo | Envelope fans | |||
| EveryDollar | $17.99/mo | Premium only | Ramsey fans | ||
| PocketGuard | $12.99/mo | Limited free | Most US banks | Spending focus | |
| Copilot Money | $13/mo | 1-mo trial | Most US banks | iOS, Mac & web |
Editor's Pick: Waypoint Budget
Why Waypoint Budget
The only app on this list with a genuine forever-free tier, a Smart Money Coach, and bank sync for 10,000+ US banks at a price that will not wreck your budget. I built it because nothing else hit the sweet spot between power and simplicity.
Free tier
Forever free
Plus plan
$7.99/month
Bank sync
Chase, BofA, Wells Fargo, 10,000+ more
Standout
Smart Money Coach included
All 7 Apps Reviewed
1. Waypoint Budget: Best Overall
Price: Free | $7.99/month (Plus)
I built Waypoint Budget because I was tired of paying $15/month for apps that felt overcomplicated, and free apps that were barely functional. The free tier gives you unlimited manual transactions, all budget categories, a Smart Money Coach (5 messages/day), savings goals, and unlimited transaction history. That is not a crippled trial. It is a fully functional budgeting app.
Plus ($7.99/month) adds bank sync with 10,000+ US banks through Plaid and Flinks: Chase, Bank of America, Wells Fargo, Citi, Capital One, PNC, US Bank, Ally, SoFi, Truist, and thousands of credit unions. Connecting through two providers means coverage does not depend on a single aggregator. You also get unlimited Smart Money Coach messages, unlimited transaction history, and CSV import. Pro ($12.99/month) adds net worth tracking, up to 5 bank connections, and household sharing.
The honest weakness: we are newer than YNAB. Our community is smaller, our subreddit is quieter, and we do not have 20 years of educational content. But if you value simplicity, fair pricing, and a Smart Money Coach that can answer "should I pay off my credit card or build savings first?", Waypoint Budget is worth trying.
2. YNAB (You Need A Budget): Best Methodology
Price: $14.99/month or $109/year
I used YNAB for a good while. Their zero-based budgeting methodology is genuinely effective: giving every dollar a job forces you to be intentional with money. The community on Reddit is passionate and helpful. There is a reason YNAB has survived 20+ years.
But here is where I have to be honest: I never fully "got" YNAB's interface. Every time I opened it, I felt like I needed to relearn things. And at $14.99/month ($179.88/year if you pay monthly), it is the second most expensive app on this list. There is no free tier, just a 34-day trial. For a detailed comparison, see our YNAB alternative guide.
3. Monarch Money: Best for Couples
Price: Core $14.99/month or $99.99/year (billed USD)
Monarch Money became a common recommendation after Mint shut down. The interface is polished, bank sync is reliable, and the collaborative features make it a strong pick for couples managing joint finances. Both partners can view and edit the same budget, split by accounts or merged together.
The catch: Monarch now runs two tiers, with Core at $14.99/month (or $99.99/year) and a Plus plan at $199/year, and only a 7-day free trial. Canadians are billed in USD. If you are budgeting solo, you are paying a couples-oriented premium for features you may not use. Investment tracking is a nice bonus, but dedicated investment apps do it better.
4. Goodbudget: Best for Envelope Purists
Price: Free (10 regular + 10 annual envelopes) | $10/month or $80/year (Plus)
Goodbudget takes the classic cash-envelope method and puts it on your phone. You divide your income into digital envelopes (groceries, gas, entertainment, etc.) and spend from each envelope until it runs out. The free tier gives you 10 regular plus 10 annual envelopes, which covers most household budgets.
The philosophical trade-off is deliberate: no bank sync means every transaction is manual. Goodbudget's position is that manually entering each purchase keeps you aware of your spending. That is a valid approach, but if you have 60+ transactions a month across multiple accounts at Chase, Capital One, and a credit union, it gets old fast.
5. EveryDollar: Best for Dave Ramsey Fans
Price: Free (manual) | $17.99/month or $79.99/year (Premium)
EveryDollar is Ramsey Solutions' budgeting app. If you follow Dave Ramsey's Baby Steps (pay off debt smallest-to-largest, build an emergency fund, invest 15%), this app maps directly to that framework. The free version works for basic zero-based budgeting with manual entry.
The problem is the price for bank sync: $17.99/month through the Ramsey+ membership, which bundles in Financial Peace University courses, podcasts, and other content. That is $215.88/year. Even if the courses are valuable, it is hard to justify when Waypoint Budget offers bank sync at $7.99/month and YNAB at $14.99/month. You are paying a Ramsey tax.
6. PocketGuard: Best for Spending Awareness
Price: Limited free | $12.99/month or $74.99/year (Plus)
PocketGuard's unique angle is the "In My Pocket" number: it takes your income, subtracts bills, goals, and necessities, and shows you exactly how much you can spend guilt-free. That single number is surprisingly powerful for people who just want a simple answer to "can I afford this?"
The downside is that PocketGuard is more of a spending tracker than a true budgeting app. If you want detailed category budgets, savings goals with timelines, or a Smart Money Coach, you will hit its limits quickly. The free version is essentially read-only, so you need Plus ($12.99/month) for anything useful.
7. Copilot Money: Best for Apple Users
Price: $13/month or $95/year
If you are deep in the Apple ecosystem (iPhone, Mac, iPad), Copilot Money is one of the most polished budgeting experiences out there. The design is clean, the animations are smooth, and it takes full advantage of iOS features like widgets and Shortcuts. There is also a web app, so you are not stuck on a phone.
The dealbreaker for many: Copilot has no Android app. If your partner uses Android, you are out of luck. At $13/month ($95/year on annual billing), it is also on the pricier side for an app that leaves out a large share of phone users.
Feature Scoring Breakdown
I scored each app on five criteria. These scores reflect my hands-on testing with each app in 2026, using real US bank accounts (Chase checking, Capital One Venture card, Ally savings).
| App | Price | Ease | Bank Sync | Features | Security |
|---|---|---|---|---|---|
| Waypoint | |||||
| YNAB | |||||
| Monarch | |||||
| Goodbudget | |||||
| EveryDollar | |||||
| PocketGuard | |||||
| Copilot |
Annual Cost Comparison
Budgeting apps range from free to over $200/year. Here is what you would actually pay over 12 months:
What You'd Pay Per Year
Waypoint Plus is among the most affordable bank-sync plans, undercutting Copilot, Monarch, and YNAB by $15 to $100 a year.
US Banks Supported by Waypoint Budget
Waypoint Budget syncs through both Plaid and Flinks, supporting 10,000+ US financial institutions including:
- Nationwide banks: Chase, Bank of America, Wells Fargo, Citibank
- Major banks: Capital One, US Bank, PNC, TD Bank, Truist
- Online banks: Ally Bank, Marcus by Goldman Sachs, Discover, SoFi
- Credit unions: Navy Federal, BECU, Pentagon FCU, and thousands more
- Investment accounts: Fidelity, Charles Schwab, Vanguard, and more
Quiz: Which Budgeting App Is Right for You?
Answer 3 quick questions to find your best match.
1. What is your monthly budgeting app budget?
2. How important is automatic bank sync to you?
3. What best describes your budgeting experience?
Final Recommendation
After testing every app on this list with real US bank accounts, here is what I would tell a friend:
For most people
For budgeting veterans
For couples
For Apple diehards
Whatever you choose, the most important thing is that you start. A free app you actually use beats a $15/month app collecting dust. The best budgeting app is the one that gets you to open it every week. Not sure where to begin? Our expense tracking guide walks you through five proven methods.
Frequently Asked Questions
Start Budgeting in Under 10 Minutes
Waypoint Budget is free forever, with no credit card and no trial countdown. Syncs with Chase, Bank of America, Wells Fargo, Capital One, and 10,000+ more on Plus ($7.99/month).
No credit card required. Free forever. Plus starts at $7.99/month.
Keep Reading
Disclaimer
This article is for informational purposes only and represents the author's personal experience and opinions. The author is a co-founder of Waypoint Budget, which is included in this comparison. We have endeavored to be fair and accurate, but readers should be aware of this potential bias. YNAB, Monarch Money, Goodbudget, EveryDollar, PocketGuard, and Copilot Money are trademarks of their respective owners. This article is not affiliated with, endorsed by, or sponsored by any of these companies. Pricing, features, and availability may change without notice. Always verify current details directly with service providers before making financial decisions. This content does not constitute financial advice. Information is based on publicly available data as of July 2026.
You're in good company
Don't take our word for it. See what people are saying about us on Trustpilot.
Trusted by 6,000+ budgeters
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. 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.
Helene
The bookmark 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.
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!
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. 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.
Helene
The bookmark 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.
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!
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
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.
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!
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.
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
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
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.
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!
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.
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
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 :)
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…
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 :)
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…
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 bookmark 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! 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!
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.
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!
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 bookmark 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! 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!
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.
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!
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. 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.
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.
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.
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
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. 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.
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.
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.
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