YNAB vs Monarch Money (2026): Which Is Better, and a Cheaper Third Option
Two US$100-a-year budgeting apps with very different ideas about what a budget is for. Here is how they compare on price, method, bank connections and couples, and when a third option makes more sense.
By Ahmad Jamal · Published October 7, 2026 · 12 min read
The Short Answer
Pick YNAB if overspending is the problem: its method makes you plan every dollar before you spend it, and the 34-day trial needs no card. Pick Monarch Money if visibility is the problem: it tracks everything, including investments, lets a partner join free, and is US$9 a year cheaper on list price. Both charge in US dollars and both are weakest on Canadian banks. If you are in Canada, or want a free plan, Waypoint Budget is the cheaper third option.
"YNAB vs Monarch" searches jump every January, when people sign up for a budgeting app with the new year. Both apps are good at what they set out to do. I build Waypoint Budget, so I have kept every YNAB and Monarch claim below tied to their own pages or to a dated source, and where a vendor page does not mention something, the table says "Not listed" rather than guessing.
YNAB vs Monarch vs Waypoint Budget at a Glance
| Feature |  YNAB |  Monarch Money |  Waypoint Budget |
|---|---|---|---|
| Annual price | US$109/yr | Core US$99.99/yr • Plus US$199/yr | Free • Plus $79.99/yr • Pro $129.99/yr |
| Monthly price | US$14.99/mo | Core US$14.99/mo • Plus annual only | Plus $7.99/mo • Pro $12.99/mo |
| Billing currency | USD only | USD only, including in Canada | CAD in Canada, USD in the US |
| Trialand whether a card is needed | 34 days, no card when you sign up on ynab.com | 7 days; card not stated on the pricing page (guides disagree) | Free plan, no card • 7-day Plus or Pro trial, card at checkout |
| Platforms | iOS, Android, web | iOS, Android, web | iOS, Android, web |
| US bank connections | Yes, Direct Import | Yes, through Plaid, MX or Finicity | Yes, through Plaid (Plus and Pro) |
| Canadian bank connections | Select Canadian banks; provider not listed | Yes; Monarch asks Canadians to check theirs during the trial | Plaid and Flinks, 10,000+ US and Canadian institutions, including credit unions |
| Shared budgetscouples or households | Up to 6 people on one subscription | Household members at no extra cost, own logins | Pro: whole household, members join free |
| Rollover categories | Yes, leftover money carries forward | Yes, turned on per category | Yes, on every plan including Free |
| AI coach | Not listed | Yes, AI Assistant | Yes, Smart Money Coach |
| Data export | CSV (plan and register) | CSV (transactions; balances separate) | CSV, any account, every plan |
| Import from the other app | No Monarch importer listed; CSV file import | No YNAB importer listed; CSV import on web | YNAB and Monarch importers, every plan |
Checked October 7, 2026 against ynab.com/pricing, monarch.com/pricing, monarch.com/canada, the YNAB and Monarch help centres, and waypointbudget.com/pricing. YNAB and Monarch prices are US dollars. Waypoint Budget prices are CAD for Canadians and USD for US customers. "Not listed" means the vendor pages we checked do not mention it, not that the app lacks it.
Pricing and What Changed in 2026
YNAB: US$109 a year since 2024, no change in 2026
YNAB costs US$14.99 a month or US$109 a year (US$9.08 a month billed annually), and its pricing page says plainly that it is "priced in US dollars. Exchange rates are not reflected in the price." The trial is 34 days with no credit card when you sign up directly. The US$109 price is not new: it replaced US$99 for new sign-ups on August 1, 2024 and for renewals on September 1, 2024, after earlier steps from US$50 to US$84 to US$99. We found no YNAB price change in 2026. Its 2026 changes were features: a reworked File-Based Import that now prefers CSV (August 12), Card Mode approvals, Plan Reset and a Matched filter on iOS (September 16), and Hidden Payees (September 22).
Two details are worth knowing. Third-party guides report that subscribing through the Apple App Store costs more, about US$19.99 a month, so sign up on the web if price matters. And for Canadians, US$109 works out to roughly $150 CAD a year before a card's foreign transaction fee.
Monarch: Core unchanged, a new Plus tier on April 20, 2026
Monarch Core is US$99.99 a year or US$14.99 a month, up from an early US$89.99 annual plan. On April 20, 2026 Monarch added Monarch Plus at US$199 a year, annual only, with Forecasting, Monarch for Business Owners, Fund Analysis from Morningstar and Gains & Losses. The Core price did not move. Monarch's pricing page says "Your first week is on us", and it has advertised a 30% WELCOME code on Core annual for new members. Whether the 7-day trial needs a card is not stated on the pricing page, and third-party guides disagree, so check at sign-up. Monarch also ran a web-only 50% first-year code (NEWYEAR2026) from January 1 to February 1, 2026, so a January deal may appear again.
Canadians pay in US dollars too: Monarch's Canada page says "All prices are billed in USD." When Monarch arrived in Canada in late 2023 it said CAD billing was in the works; in October 2026 it is still USD.
What One Year Costs (List Prices, October 2026)
Monarch Core is US$9.01 a year cheaper than YNAB on annual list price; monthly, they cost the same. Waypoint Budget prices are CAD for Canadians and USD in the US.
Method: Four Rules vs Tracking First
This is the real difference, and it matters more than the US$9.
YNAB: plan the money you have
YNAB built its name on four rules: give every dollar a job, embrace your true expenses, roll with the punches, and age your money. Its current method page frames the same idea as one question, "What's it for?", across money for now, for later, for ease, for you and for change.
In practice you assign only money that has already arrived. Money left in a category carries into next month, and when you overspend you move money from another category to cover it. The habit takes a few weeks to click, which is why the 34-day trial helps.
Best for: people who keep running short before payday and want a system that forces the trade-offs up front.
Monarch: see everything, then budget
Monarch starts from tracking. You connect bank accounts, cards and investments, and it shows net worth, cash flow and spending in one place. Budgets sit on top, by category or by group, and you can turn on rollover for any category so leftovers carry into next month.
Its AI Assistant answers questions about your spending, cash flow and net worth using your own data, and Monarch says a panel of financial planners, therapists and coaches shaped its guidance. Plus adds forecasting and investment analysis.
Best for: people who already spend within their means and want the whole picture, including investments, without a strict method.
Bank Connections and Reliability
Monarch connects through three data providers, Plaid, MX and Finicity, and suggests the one that has historically connected best to your bank. YNAB's Direct Import supports "select US, Canadian, UK, and EU Banks", and its pricing page does not name a provider. Both work well for most large US banks.
Reviews tell a less even story. As of October 2026, Monarch's Trustpilot page scores 2.3 out of 5 with 55% one-star reviews. The recurring complaints are email-only support, duplicate transactions, institutions that will not connect, and a sign bug that reviewers say has shown expenses as credits "since October 2025". A user-reported StatusGator entry also logged budget history failing to load on June 18, 2026. YNAB's Canadian Trustpilot page shows 77% five-star and 1% one-star reviews; its critics mostly point at the rising price and manual workarounds, and the per-bank issues we found were isolated, such as Capital One delays of nearly three weeks.
A fair caveat on reviews
In Canada, both are weaker
Both apps are available in Canada, but neither is built around Canadian banks. Monarch's own Canada page tells you to "try it for free for 7 days and confirm your institutions connect reliably to Monarch." YNAB supports only select Canadian banks, and Canadian review sites report disconnections and missing transactions at TD, RBC, BMO and CIBC. This is an industry problem, not just theirs: PocketSmith published Canadian connection success rates of 46% (Yodlee) and 63% (Plaid) for RBC and 67% and 53% for TD as of February 5, 2026.
Couples and Households
Both apps let a partner join without paying twice. YNAB lets you "share your subscription with partners, families, and other close-knit groups of up to six people." Monarch lets you invite household members to one subscription at no extra cost, each with their own login and the same access to accounts, transactions and budgets. One catch on Monarch: you cannot invite someone who already has a Monarch account, so a partner who signed up separately has to use another email or delete their account first.
The difference is style more than access. YNAB couples share one plan and agree on where every dollar goes. Monarch couples tend to connect everything and review the shared picture together. For a deeper look at the couples angle, see our Waypoint Budget vs Monarch Money for couples comparison.
Who Should Pick Which
- Pick YNAB if you want a method that changes how you spend, a long trial with no card to learn it, and you are in the US or your Canadian bank is on its supported list.
- Pick Monarch Money if you want net worth, investments and budgets in one app, a household with its own logins at no extra cost, or Plus features like forecasting, and your banks connect during the 7-day trial.
- Pick Waypoint Budget if you are in Canada and want to pay in CAD, need a bank that Plaid alone does not reach, want a free plan you can stay on, or want the cheapest paid plan of the three.
Where Waypoint Budget Fits
Waypoint Budget is the app I build in Calgary, and it exists for the people this comparison leaves out. Here is what it does differently, and where it is weaker.
- Priced in CAD for Canadians. Plus is $7.99 a month or $79.99 a year and Pro is $12.99 or $129.99, in CAD in Canada and USD in the US. No exchange rate, no foreign transaction fee.
- Plaid plus Flinks. Bank sync uses Plaid and, for Canadian banks, Flinks as well, so Canadian credit unions and smaller banks connect too. To be straight about it: many Canadian banks on Flinks ask you to approve each sync on your phone, while Plaid banks sync in the background.
- A free plan that stays free. Unlimited manual transactions, rollover categories, goals, CSV and PDF statement import, and the Smart Money Coach at 5 messages a day. It has no bank connections; Plus adds 1 connection and Pro adds 5 shared across your household.
- iPhone, Android and web. The same budget on every device, on every plan.
- Importers for both apps. The YNAB import rebuilds your categories, budget amounts, goals and history (how to move from YNAB). The Monarch import brings in your transactions and categories and suggests budget amounts from your recent spending (how to move from Monarch Money).
Where it is weaker: Waypoint Budget is newer, with a smaller community and less teaching material than YNAB's two decades of it. It has no fund analysis like Monarch Plus. And household sharing needs Pro, so a US couple pays US$129.99 a year, more than YNAB or Monarch Core. For a single person with one bank, Plus is the cheapest paid plan of the three, and the free plan costs nothing.
Try the Cheaper Third Option
Start on the free plan, import your YNAB or Monarch export, and add Bank sync when you are ready. Prices in CAD for Canadians.
No credit card for the free plan. Plus and Pro include a 7-day trial.
Frequently Asked Questions
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Disclaimer
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 Monarch Money, 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.
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Don't take our word for it. See what people are saying about us on Trustpilot.
Trusted by 10,000+ budgeters
Ed
Great app. Simple to use and very intuitive.
Brett Wareham
The WayPointBudget program, through both the web interface and the mobile interface, is much better than using plain Excel to manage a budget and is now our preferred method of budget tracking.
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.
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
Ed
Great app. Simple to use and very intuitive.
Brett Wareham
The WayPointBudget program, through both the web interface and the mobile interface, is much better than using plain Excel to manage a budget and is now our preferred method of budget tracking.
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.
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
Miguel Amigos
Easy to use, great layout and great way to keep track of things.
Vaibhav Turakhia
I have been on many budgeting apps, and so far this has been the most easiest and productive app for budgeting. Love it!
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 :)
Félix
I've been searching for the perfect budget app for years, and this one is even Canadian? Jackpot!
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…
David Wicklund
Waypoint makes all aspects of budgeting and tracking expenses really easy and fun. The interface and features provide all the functionality that is required. Beautiful app.
Miguel Amigos
Easy to use, great layout and great way to keep track of things.
Vaibhav Turakhia
I have been on many budgeting apps, and so far this has been the most easiest and productive app for budgeting. Love it!
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 :)
Félix
I've been searching for the perfect budget app for years, and this one is even Canadian? Jackpot!
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…
David Wicklund
Waypoint makes all aspects of budgeting and tracking expenses really easy and fun. The interface and features provide all the functionality that is required. Beautiful app.
David
Modern easy to use
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.
JD
Very easy to use. Developers are open to suggestions too. One of the best Canadian budgeting apps out there.
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!
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.
David
Modern easy to use
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.
JD
Very easy to use. Developers are open to suggestions too. One of the best Canadian budgeting apps out there.
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!
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.
Ed
Great app. Simple to use and very intuitive.
David
Modern easy to use
Vaibhav Turakhia
I have been on many budgeting apps, and so far this has been the most easiest and productive app for budgeting. Love it!
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.
Félix
I've been searching for the perfect budget app for years, and this one is even Canadian? Jackpot!
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
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.
Ed
Great app. Simple to use and very intuitive.
David
Modern easy to use
Vaibhav Turakhia
I have been on many budgeting apps, and so far this has been the most easiest and productive app for budgeting. Love it!
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.
Félix
I've been searching for the perfect budget app for years, and this one is even Canadian? Jackpot!
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
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.
Miguel Amigos
Easy to use, great layout and great way to keep track of things.
Brett Wareham
The WayPointBudget program, through both the web interface and the mobile interface, is much better than using plain Excel to manage a budget and is now our preferred method of budget tracking.
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.
JD
Very easy to use. Developers are open to suggestions too. One of the best Canadian budgeting apps out there.
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!
David Wicklund
Waypoint makes all aspects of budgeting and tracking expenses really easy and fun. The interface and features provide all the functionality that is required. Beautiful app.
Miguel Amigos
Easy to use, great layout and great way to keep track of things.
Brett Wareham
The WayPointBudget program, through both the web interface and the mobile interface, is much better than using plain Excel to manage a budget and is now our preferred method of budget tracking.
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.
JD
Very easy to use. Developers are open to suggestions too. One of the best Canadian budgeting apps out there.
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!
David Wicklund
Waypoint makes all aspects of budgeting and tracking expenses really easy and fun. The interface and features provide all the functionality that is required. Beautiful app.
4.6/5 on Trustpilot