Best Zero-Based Budgeting Apps (2026 Comparison)
Seven zero-based budgeting tools compared on price, trial, free plan and bank sync, with every price checked in October 2026.
By Ahmad Jamal · Published March 15, 2026 · 10 min read
Zero-based budgeting tools all start from the same idea: plan your income across categories before the month starts, so you decide where the money goes instead of finding out afterward. What decides whether you stick with it is the app underneath: what it costs, how long the trial runs, whether there is a free plan, and whether bank sync is included or extra.
Prices moved this year. Monarch split into two tiers in April, PocketGuard has had no free plan since January 2025, and YNAB's US$109 annual price is now two years old. I build budgeting software for a living, so here is an honest look at seven zero-based budgeting apps worth considering in 2026, mine included.
Quick Answer
What Is Zero-Based Budgeting?
Zero-based budgeting means planning every dollar of income into a category, including savings and debt payments, until income minus your categories equals zero. It does not mean spending everything. Money for savings is a category like any other.
Some apps treat that as a strict rule you must hit every month. Others are more flexible and let money sit unplanned until you are ready. Neither is wrong; it comes down to how much structure you want. For the full method and a step-by-step setup, see our complete guide to zero-based budgeting.
This article is about the apps: which ones make the method practical in 2026, what they cost, and which one fits your situation.
Zero-Based Budgeting Tools Compared
All 7 apps side by side, prices in US dollars unless noted, checked October 7, 2026. Scroll horizontally on mobile.
| App | Price | Free plan or trial | Bank sync | Approach |
|---|---|---|---|---|
 YNAB | $14.99/mo or $109/yr | 34-day trial, no card | Included | Strict zero-based |
 Waypoint Budget | Free | $7.99/mo | $12.99/mo | Free plan; 7-day trial on paid plans | Plus and Pro only | Flexible, rollover categories |
 EveryDollar | Free | $17.99/mo or $79.99/yr | Free manual plan; 14-day Premium trial | Premium only, US only | Strict zero-based (Ramsey) |
 Goodbudget | Free | $10/mo or $80/yr | Free plan, 20 envelopes | Premium only, US banks | Envelopes |
| Actual Budget | Free | Free, open source | Optional, needs its server | Envelopes, self-hosted |
 Monarch Money | $14.99/mo or $99.99/yr (Plus $199/yr) | 7-day trial | Included | Flexible, not zero-based by default |
 PocketGuard | $12.99/mo or $74.99/yr | 7-day trial, no free plan | Included | Safe-to-spend number |
Waypoint Budget is billed in CAD in Canada and USD in the US at the same numbers. Every other paid app on this list charges in USD.
Detailed Reviews
A closer look at each app: what works, what does not, and who it is for.
1. YNAB (You Need A Budget)
Most EstablishedCompare YNAB with Waypoint Budget
US$14.99/month or US$109/year, 34-day free trial with no credit card
YNAB is the longest-running zero-based budgeting app on the market. Its four rules (give every dollar a job, embrace your true expenses, roll with the punches, age your money) have a devoted following, and the system works if you follow it. The annual price went from US$99 to US$109 in 2024 and has held there since. It is priced in US dollars only, which works out to roughly $150 CAD a year for Canadians before card exchange fees.
PROS
- A proven method with real educational resources
- Bank sync included on its one plan
- The longest trial here: 34 days, no card
- Active community and support forums
CONS
- US$109 a year, more than Monarch Core
- A steep learning curve, plan a weekend to learn it
- No free plan, only the trial
- Billed in USD only
Best for: people committed to learning a strict system who do not mind paying for it. If looser methods have not stuck, YNAB's structure might be what finally clicks.
2. Waypoint Budget
Most FlexibleFree | $7.99/mo or $79.99/yr for Plus | $12.99/mo or $129.99/yr for Pro (CAD in Canada, USD in the US; 7-day trial on paid plans)
Quick disclosure: I am one of the two people building Waypoint Budget, so weigh my opinion accordingly. Waypoint Budget is flexible monthly budgeting with rollover categories. You set an amount for each category each month, and rollover categories carry what you did not spend into the next month, which covers irregular expenses like car repairs or gifts. Money you have not planned yet just shows as left, with no pressure to assign it all before you can move on.
The free plan is manual entry and CSV import (including YNAB and Monarch files), with every category, rollover categories, goals, receipt scanning and the Smart Money Coach at 5 messages a day. It has no bank connections. Bank sync is on Plus (one bank connection, covering all of that bank's accounts) and Pro (unlimited bank connections), through Plaid and Flinks for US and Canadian banks.
If per-category limits feel too rigid, Group Budgets (on every plan, including Free) let you pool a whole category group, like Groceries, Dining and Coffee, into one shared amount.
PROS
- A free plan with no time limit
- Rollover categories and Group Budgets on every plan
- Bank sync for US and Canadian banks (Plus and Pro)
- Billed in CAD for Canadians
- Household budgeting for up to 5 people (Pro)
CONS
- Newer app with a smaller community than YNAB
- No bank connections on the free plan
- A 7-day trial, much shorter than YNAB's
- No desktop app, web and mobile only
Best for: people who like planning by category but want a calmer, more flexible setup than strict zero-based apps, and anyone banking in Canada who wants CAD pricing.
3. EveryDollar
Best for Ramsey FansCompare EveryDollar with Waypoint Budget
Free (manual entry) | Premium US$17.99/month or US$79.99/year, 14-day trial
EveryDollar is built by Ramsey Solutions and bakes Dave Ramsey's teaching into the app: the debt snowball, the Baby Steps and a strict zero-based budget. The free plan is manual entry only; bank sync needs Premium. Premium is only offered in the United States because it requires a US debit card, and the mobile apps are only in the US app stores, so people outside the US are limited to the web version.
PROS
- The Baby Steps framework built in
- Simple drag-and-drop budgeting
- A free plan for manual zero-based budgeting
- Annual Premium price below YNAB
CONS
- US$17.99 a month, the highest monthly price here
- Premium and the mobile apps are US only
- Little customization outside the Ramsey framework
- No bank sync on the free plan
Best for: Dave Ramsey followers in the US working through the Baby Steps.
4. Goodbudget
Best for CouplesCompare Goodbudget with Waypoint Budget
Free (20 envelopes, 1 account) | Premium US$10/month or US$80/year
Goodbudget is a digital version of the classic envelope system. You fill an envelope for each category and spend from it until it is empty, which is zero-based budgeting with a visual feel. The free plan gives you 20 envelopes, one account, two devices and a year of history, with no card needed. Premium added bank sync through Plaid in August 2024, for US banks only.
PROS
- An intuitive envelope metaphor
- A free plan with 20 envelopes
- Syncs a shared budget across two devices free
- Premium now syncs with US banks
CONS
- Manual entry only on the free plan
- Bank sync covers US banks only
- Free plan keeps one year of history
- An interface that feels dated
Best for: couples who want to share a budget and prefer the envelope method, or anyone who likes typing in every purchase by hand.
5. Actual Budget
Best Free and Open SourceFree, open source, self-hosted
Actual Budget is a free, open-source envelope budgeting app, and interest in it has been rising through 2026. You run it yourself, on your own computer or server, which is the main hurdle: setup takes some technical comfort. Bank sync is optional and only works when you run Actual's server; in North America it connects through SimpleFIN Bridge, a separate service.
PROS
- Free, with no plan limits
- Open source, and your data stays on your own setup
- Envelope-style zero-based budgeting
- Optional bank sync if you set it up
CONS
- Self-hosting needs technical knowledge
- Bank sync depends on a separate service
- No company support desk, community help only
- You handle your own backups and updates
Best for: technical users who want a free, YNAB-style envelope budget and do not mind running it themselves.
6. Monarch Money
Two TiersCompare Monarch Money with Waypoint Budget
Core US$14.99/month or US$99.99/year | Plus US$199/year (annual only) | 7-day trial
Monarch is a popular all-in-one money app rather than a zero-based budgeting app, but it shows up in this search often enough to include. On April 20, 2026 it added a Plus tier at US$199 a year (forecasting, investment analysis and business features) and left Core at US$99.99. Its budgeting is flexible by default; you can plan by category, but it does not push you to plan every dollar. All pricing is in USD.
PROS
- Budgets, investments and net worth in one app
- Bank sync included on Core
- Collaborative budgeting for couples
- Clean UI
CONS
- Not zero-based by default
- No free plan, a 7-day trial only
- Forecasting now sits in the US$199 Plus tier
- Billed in USD only
Best for: people who want a whole-picture money app more than a strict zero-based budget.
7. PocketGuard
Simplest SetupUS$12.99/month or US$74.99/year | 7-day trial | no free plan since January 6, 2025
PocketGuard is not a pure zero-based budgeting app, but its "In My Pocket" number tells you how much you can safely spend after expenses, goals and necessities. It is zero-based thinking condensed into one figure. Note that PocketGuard dropped its free plan on January 6, 2025; accounts now close at the end of the month if you do not subscribe after the 7-day trial.
PROS
- One number to focus on
- Bank sync included
- Automatic categorization of transactions
- The lowest annual price among the paid apps here
CONS
- Not true zero-based budgeting
- No free plan since January 2025
- Limited category customization
- A short 7-day trial
Best for: people drawn to zero-based budgeting who do not want to plan every category themselves.
Which App Should You Choose?
There is no single best app. It depends on what you value. Here is what each option costs over a year, then a quick way to decide.
Annual Cost, Side by Side
Annual plans, prices checked October 7, 2026. Waypoint Budget charges in CAD in Canada and USD in the US. Where a monthly plan exists, it costs more over a year.
Quick Decision Guide
- You want the full strict zero-based method and do not mind paying: go with YNAB. It has the deepest method, the most educational content and the longest trial.
- You want to budget by category without the pressure: try Waypoint Budget. The free plan covers manual entry and CSV import with rollover categories, and Bank sync starts on Plus at $7.99 a month.
- You follow Dave Ramsey's Baby Steps and live in the US: EveryDollar is built around that framework.
- You budget with a partner and prefer manual entry: Goodbudget's free plan is enough to get started.
- You want free and are comfortable with tech: Actual Budget, if you are happy to host it yourself.
- You want one number and minimal effort: PocketGuard, though there is no longer a free plan.
A word of advice
Zero-Based Budgeting Tips for Beginners
Whichever app you pick, these five habits make zero-based budgeting easier to sustain.
Five Habits That Make It Stick
- Plan before the month starts. Sit down a few days early and set your category amounts. Doing it mid-month means you are tracking, not planning.
- Give yourself a fun-money category. Zero-based does not mean zero fun. Budget $50 or $100 for guilt-free spending and you are less likely to blow the rest on impulse purchases.
- Expect to adjust for three months. Your first budget will be wrong. Your second will be less wrong. By month three, most categories will have realistic numbers.
- Save monthly for irregular expenses. Car insurance, holiday gifts and annual subscriptions are not surprises. Divide the yearly cost by 12 and set that aside every month in a rollover category so the expense never catches you short.
- Check in weekly, not daily. Daily check-ins lead to burnout. A ten-minute weekly review keeps you on track without the obsession.
Budget by category, at your own pace
Waypoint Budget's free plan includes category budgeting, rollover categories, manual entry, CSV import and the Smart Money Coach. Bank sync is on Plus and Pro, with a 7-day trial.
Free plan, no credit card required.
Frequently Asked Questions
Keep Reading
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, EveryDollar, Goodbudget, Actual Budget, Monarch Money, and PocketGuard, 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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Larissa
Once you figure out how to set things up (scratch head here a little), the app flows smoothly between your bank account data and the app with multiple categories that are customizable. So easy to sort categories and analyze spending! Finds duplicates for you. Doesn't AT ALL force you to pay for bank account subscription but you quickly see the benefit.
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 :)
Afua Nieto
I transitioned from Every Dollar and I am happy I found this app. I am also glad that it's made by Canadians. I like the features of this app and it's helping me and my husband have a better picture of our spending habits and financial state. The customer service is also excellent. When I've reached out for help on how to use a feature or figure something out, I've received help with ease. I am glad I stumbled upon this budgeting app!
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.
Larissa
Once you figure out how to set things up (scratch head here a little), the app flows smoothly between your bank account data and the app with multiple categories that are customizable. So easy to sort categories and analyze spending! Finds duplicates for you. Doesn't AT ALL force you to pay for bank account subscription but you quickly see the benefit.
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 :)
Afua Nieto
I transitioned from Every Dollar and I am happy I found this app. I am also glad that it's made by Canadians. I like the features of this app and it's helping me and my husband have a better picture of our spending habits and financial state. The customer service is also excellent. When I've reached out for help on how to use a feature or figure something out, I've received help with ease. I am glad I stumbled upon this budgeting app!
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.
Kyle
The closest thing to mint I've found. It does what I want/need it to do. Taking back control of budget/finances. For $8/month worth every penny
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.
Hilda Andrade
In my quest to support Canadian business whenever possible, I went searching for a budgeting platform to replace one we had a 10 year history with. The move included the 10 years of history and was easy and painless. I had many questions, requests and suggestions along the way and all were received and actioned, usually the same day. The support team is amazing! Best decision ever! Go Canada!!
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.
Kyle
The closest thing to mint I've found. It does what I want/need it to do. Taking back control of budget/finances. For $8/month worth every penny
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.
Hilda Andrade
In my quest to support Canadian business whenever possible, I went searching for a budgeting platform to replace one we had a 10 year history with. The move included the 10 years of history and was easy and painless. I had many questions, requests and suggestions along the way and all were received and actioned, usually the same day. The support team is amazing! Best decision ever! Go Canada!!
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.
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.
Bill Lee
This budget app works great for my needs. I'm using the free version right now but may opt for the paid version in the future. It is very straightforward and easy to use. Oh, and it's Canadian! Bonus points.
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.
Bill Lee
This budget app works great for my needs. I'm using the free version right now but may opt for the paid version in the future. It is very straightforward and easy to use. Oh, and it's Canadian! Bonus points.
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
Larissa
Once you figure out how to set things up (scratch head here a little), the app flows smoothly between your bank account data and the app with multiple categories that are customizable. So easy to sort categories and analyze spending! Finds duplicates for you. Doesn't AT ALL force you to pay for bank account subscription but you quickly see the benefit.
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.
Afua Nieto
I transitioned from Every Dollar and I am happy I found this app. I am also glad that it's made by Canadians. I like the features of this app and it's helping me and my husband have a better picture of our spending habits and financial state. The customer service is also excellent. When I've reached out for help on how to use a feature or figure something out, I've received help with ease. I am glad I stumbled upon this budgeting app!
Bill Lee
This budget app works great for my needs. I'm using the free version right now but may opt for the paid version in the future. It is very straightforward and easy to use. Oh, and it's Canadian! Bonus points.
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.
Larissa
Once you figure out how to set things up (scratch head here a little), the app flows smoothly between your bank account data and the app with multiple categories that are customizable. So easy to sort categories and analyze spending! Finds duplicates for you. Doesn't AT ALL force you to pay for bank account subscription but you quickly see the benefit.
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.
Afua Nieto
I transitioned from Every Dollar and I am happy I found this app. I am also glad that it's made by Canadians. I like the features of this app and it's helping me and my husband have a better picture of our spending habits and financial state. The customer service is also excellent. When I've reached out for help on how to use a feature or figure something out, I've received help with ease. I am glad I stumbled upon this budgeting app!
Bill Lee
This budget app works great for my needs. I'm using the free version right now but may opt for the paid version in the future. It is very straightforward and easy to use. Oh, and it's Canadian! Bonus points.
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.
Kyle
The closest thing to mint I've found. It does what I want/need it to do. Taking back control of budget/finances. For $8/month worth every penny
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.
Hilda Andrade
In my quest to support Canadian business whenever possible, I went searching for a budgeting platform to replace one we had a 10 year history with. The move included the 10 years of history and was easy and painless. I had many questions, requests and suggestions along the way and all were received and actioned, usually the same day. The support team is amazing! Best decision ever! Go Canada!!
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.
Kyle
The closest thing to mint I've found. It does what I want/need it to do. Taking back control of budget/finances. For $8/month worth every penny
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.
Hilda Andrade
In my quest to support Canadian business whenever possible, I went searching for a budgeting platform to replace one we had a 10 year history with. The move included the 10 years of history and was easy and painless. I had many questions, requests and suggestions along the way and all were received and actioned, usually the same day. The support team is amazing! Best decision ever! Go Canada!!
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.
4.6/5 on Trustpilot