Best Zero-Based Budgeting Apps (2026 Comparison)
Every dollar gets a job. These 5 apps make sure it actually happens.
By Ahmad Jamal · Published March 15, 2026 · 8 min read
Zero-based budgeting has one rule: give every dollar a job before the month starts, so income minus every category lands on zero. That's the whole method. What actually determines whether you stick with it is the app underneath it: what it costs, whether bank sync is included, and how much friction stands between you and assigning your paycheck a place to go.
I build budgeting software for a living, so here's an honest look at the five zero-based apps worth considering in 2026, mine included.
Quick Answer
What Is Zero-Based Budgeting?
Zero-based budgeting means giving every dollar of income a category before you spend it, until income minus every category equals zero. That does not mean you spend everything. It means every dollar has a job, including the dollars going straight to savings.
The method forces intentionality. Instead of spending first and saving whatever is left, you decide where the money goes before it leaves your account. For the full methodology 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.
Quick Comparison Table
All 5 apps side by side. Scroll horizontally on mobile.
| App | Price | Free Tier | Bank Sync | Methodology | Best For |
|---|---|---|---|---|---|
| YNAB | $14.99 USD/mo | 34-day trial | Pure zero-based | Dedicated budgeters | |
| Waypoint Budget | Free | $7.99 CAD/mo | Zero-based categories | Beginners, value seekers | ||
| Goodbudget | Free | $10 USD/mo | Paid only | Envelope-based | Couples, manual budgeters | |
| EveryDollar | Free | $17.99 USD/mo | Paid only | Zero-based (Ramsey) | Ramsey followers | |
| PocketGuard | Free | $12.99 USD/mo | Limited | Simplified zero-based | Casual budgeters |
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 Established$14.99 USD/month (about $20 CAD), 34-day free trial
YNAB is the longest-running zero-based budgeting app on the market. Its four-rule method (give every dollar a job, embrace your true expenses, roll with the punches, age your money) has a devoted following, and the system genuinely works if you follow it. The question is whether it is worth the premium price.
PROS
- Proven methodology with real educational resources
- Bank sync included on its one plan
- Goal tracking and debt paydown tools
- Active community and support forums
CONS
- Most expensive option on this list
- Steep learning curve, plan a weekend to learn it
- No free tier, only a 34-day trial
- Overkill if you want something simple
Best for: people committed to learning a system who do not mind paying a premium for it. If other budgeting methods have not stuck, YNAB's structure might be what finally clicks.
2. Waypoint Budget
Best ValueFree | $7.99 CAD/mo for Plus | $12.99 CAD/mo for Pro (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 takes a zero-based approach: you assign every dollar to a category each month, with a simpler setup than YNAB but the same core rule of giving every dollar a job. The free tier includes full category budgeting, CSV import, receipt scanning, goals, and the Smart Money Coach (5 messages a day). Bank sync arrives on Plus through both Plaid and Flinks, covering US and Canadian banks.
If strict 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 instead of tracking each separately. It is still zero-based; you are just zeroing out a group instead of a single line.
PROS
- A genuinely free tier, not just a trial
- Smart Money Coach for budgeting questions
- Bank sync for US and Canadian banks (Plus)
- Group Budgets for flexible category pools
- Household sharing for up to 5 people (Pro)
CONS
- Newer app with a smaller community than YNAB
- Bank sync requires a paid plan
- No desktop app, web and mobile only
- Advanced reports on Plus and Pro only
Best for: beginners who want zero-based budgeting without YNAB's cost or learning curve, and anyone banking in Canada who wants reliable sync across two providers instead of one.
3. Goodbudget
Best for CouplesFree (10 envelopes) | $10 USD/month for unlimited
Goodbudget is a digital version of the classic envelope system. You create envelopes for each spending category and fill them with your budgeted amounts. When an envelope runs out, you stop spending in that category or move money over from another one. It is zero-based budgeting with a tactile, visual feel.
PROS
- An intuitive envelope metaphor
- A free tier with 10 envelopes to start
- Syncs across devices for two people
- Built-in debt tracking envelopes
CONS
- No bank sync on the free tier
- Manual entry unless you pay $10/month
- An interface that feels dated
- 10 envelopes can feel restrictive
Best for: couples who want to share a budget and prefer the envelope method, or anyone who likes the discipline of typing in every purchase by hand.
4. EveryDollar
Most OpinionatedFree (manual) | $17.99 USD/month for Premium
EveryDollar is built by Ramsey Solutions and bakes Dave Ramsey's teaching directly into the app: the debt snowball, the baby steps, a strict zero-based budget. If you already follow that approach, this is the app built around it. If you do not, the structure can feel limiting.
PROS
- The baby steps framework built in
- Simple drag-and-drop budgeting
- A free tier for manual zero-based budgeting
- A debt snowball calculator included
CONS
- Premium is expensive just for bank sync
- A strict anti-credit-card philosophy
- Little customization outside the Ramsey framework
- No bank sync at all on the free tier
Best for: Dave Ramsey followers working through the baby steps. Outside of that framework, you can get a similar zero-based approach elsewhere for less.
5. PocketGuard
Simplest SetupLimited free tier | $12.99 USD/month (7-day trial)
PocketGuard is not a pure zero-based budgeting app, but its "In My Pocket" number tells you how much you can safely spend right now after bills, goals, and necessities are accounted for. It is zero-based thinking condensed into a single figure, a practical middle ground if full category budgeting feels like too much.
PROS
- One number to focus on
- Bank sync included on all plans
- Automatic categorization of transactions
- A quick setup: connect and go
CONS
- Not true zero-based budgeting
- A limited free tier
- Limited category customization
- Some reported bank sync issues
Best for: people drawn to zero-based budgeting who do not want to manually assign every dollar themselves.
Which App Should You Choose?
There is no single best app. It depends on what you value. Here is a quick way to decide, plus what each option actually costs you over a year.
Annual Cost, Side by Side
Waypoint Budget is the only app here with a genuinely free tier and no trial clock running. Bank sync on Plus costs less per year than any paid competitor on this list.
Quick Decision Guide
- You want the full zero-based method and do not mind paying: go with YNAB. It has the deepest methodology, the most educational content, and the largest community.
- You want zero-based budgeting without the price tag: try Waypoint Budget. The free tier covers full category budgeting, and bank sync starts at $7.99 CAD/month, about half of YNAB's price.
- You budget with a partner and prefer manual entry: Goodbudget is built for that. The envelope system is intuitive, it syncs across devices, and the free tier has enough envelopes to get started.
- You follow Dave Ramsey's baby steps: EveryDollar is the obvious choice, since it is built around that framework. Bank sync costs $17.99/month.
- You want zero-based results with minimal effort: PocketGuard reduces everything to one number. You give up some control, but you always know what is safe to spend.
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
- Budget before the month starts. Sit down a few days before the month begins and assign every dollar in advance. 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 of the budget on impulse purchases.
- Expect to adjust for three months. Your first zero-based budget will be wrong. Your second will be less wrong. By month three, most categories will have realistic numbers.
- Use sinking funds for irregular bills. Car insurance, holiday gifts, annual subscriptions: none of these are surprises. Divide the annual cost by 12 and budget that amount every month, so the bill never catches you short.
- Check your budget weekly, not daily. Daily check-ins lead to burnout. A ten-minute weekly review, same day each week, keeps you on track without the obsession.
Ready to give every dollar a job?
Waypoint Budget's free tier includes full category budgeting, CSV import, receipt scanning, and the Smart Money Coach. No credit card required.
Free forever, not a trial.
Frequently Asked Questions
Keep Reading
Disclaimer
This article is for informational purposes only and does not constitute financial advice. Pricing and features are accurate as of July 2026 and may change. The author is a co-founder of Waypoint Budget and has a financial interest in the product. We encourage you to try free tiers and trials before committing to any paid subscription. All trademarks belong to their respective owners.
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Don't take our word for it. See what people are saying about us on Trustpilot.
Trusted by 6,000+ budgeters
Alex Anna
In-depth analysis of my finance. Visual and easy to use. The best app.
Georgette
I have been looking for a way to budget as I look move towards retirement. I had tried YNAB, MINT, and a few others, but found them too complicated. When I came upon Waypoint Budget, the first thing I liked was the clean look of the website. It is easy to navigate between the different tools. I now actually enjoy keeping track of my finances.
Helene
The bookmark version has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app... (as of July 2026)... time will tell how that compares.
Kristin Gyuran
New to this app and love it. I really appreciate how you can interact with the creators to ask questions and recommend improvements. I find it easy to use and it syncs with my bank easily. Would highly recommend to anyone wishing to be more mindful with their money.
Stevie Baker
Waypoint is amazing. It's intuitive and easy to use. It allows you to set goals, track budget lines, group things together into categories and shows pie charts of the percentages of your budget. You can set goals and feel completely in control and informed. It's an excellent budgeting app the the customer service is second to none.
Sabine
If you’re looking for a Canadian-made budgeting solution, look no further. Waypoint is easy to use, even for a budgeting novice — the layout and functionality just make sense, and there’s an app as well. Best of all, if you ever have questions, you get a real human to help you out quickly. Thank you!
J.P. Métivier
Outstanding product built by an attentive and responsive team. By far the best budgeting tool I've tried. I wish they had a referral program because I'm already referring it to my close circle.
Ahmed H.
Just what I was looking for. Pulls transactions directly from my canadian bank accounts (works great for scotiabank and cibc), simple and clean design, ability to budget, track and compile reports on spending per category/month/year etc. Best such product out there for Canadians.
James W
One of the best budgeting apps I've used. Not unnecessarily invasive, functional, adaptable. Developing and updating faster than the issues can annoy you. Canadian made is also a huge bonus. Keep up the stellar work team!
Alex Anna
In-depth analysis of my finance. Visual and easy to use. The best app.
Georgette
I have been looking for a way to budget as I look move towards retirement. I had tried YNAB, MINT, and a few others, but found them too complicated. When I came upon Waypoint Budget, the first thing I liked was the clean look of the website. It is easy to navigate between the different tools. I now actually enjoy keeping track of my finances.
Helene
The bookmark version has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app... (as of July 2026)... time will tell how that compares.
Kristin Gyuran
New to this app and love it. I really appreciate how you can interact with the creators to ask questions and recommend improvements. I find it easy to use and it syncs with my bank easily. Would highly recommend to anyone wishing to be more mindful with their money.
Stevie Baker
Waypoint is amazing. It's intuitive and easy to use. It allows you to set goals, track budget lines, group things together into categories and shows pie charts of the percentages of your budget. You can set goals and feel completely in control and informed. It's an excellent budgeting app the the customer service is second to none.
Sabine
If you’re looking for a Canadian-made budgeting solution, look no further. Waypoint is easy to use, even for a budgeting novice — the layout and functionality just make sense, and there’s an app as well. Best of all, if you ever have questions, you get a real human to help you out quickly. Thank you!
J.P. Métivier
Outstanding product built by an attentive and responsive team. By far the best budgeting tool I've tried. I wish they had a referral program because I'm already referring it to my close circle.
Ahmed H.
Just what I was looking for. Pulls transactions directly from my canadian bank accounts (works great for scotiabank and cibc), simple and clean design, ability to budget, track and compile reports on spending per category/month/year etc. Best such product out there for Canadians.
James W
One of the best budgeting apps I've used. Not unnecessarily invasive, functional, adaptable. Developing and updating faster than the issues can annoy you. Canadian made is also a huge bonus. Keep up the stellar work team!
Ryan Plester
Great budgeting tool for less money than others. The dashboard is particularly insightful
Ayla Bee
A great replacement for MINT and more intuitive than MINT was!
Fargo6
The developer responded quickly when I had issues with importing transactions and linking banks. They implemented fixes right away and followed up with me. This is an active development team that truly cares about their product. 5 stars for trust.
Jodi Harbarenko
What an incredible find Waypoint Budget is! As a former MINT and YNAB user, I was searching for an affordable Canadian budgeting app with straightforward features—and Waypoint delivers exactly that. The dashboard is clean and easy to navigate, and connecting my bank accounts was seamless. What really sets Waypoint apart is the founder's incredible responsiveness and genuine care for user feedback. I've never experienced this level of support with any other budgeting tool. Highly recommend!
Kerem
Great budgeting app with very active development team! I've been using it for over 5 months and very happy with the user experience. The paid feature to use Plaid to sync bank transactions is worth considering on its own. Filters credit card payment and receive transactions well enough by itself and provides a lot of customization.
Jared Friesen
Great with Canadian bank. The user interface is great. Budget tool is perfect.
Tony S Pietromonaco
Great product and excellent customer service
Valerie
I'm a senior with a bit of bookkeeping experience from long ago. That's relevant because I am thrilled to bits that I have found Waypoint to be so easy to use. Of course, there is a learning curve, but between Waypoint themselves and ChatGPT, I've been able to navigate the whole thing. I highly recommend Waypoint -- it's designed for Canadians, which is huge for me, and designed with privacy integrity as well.
Seif Allaoua
Impressive, it really surpassed my expectations, and I am usually a difficult customer when it comes to technology solutions. As a computer engineer myself, and a two weeks customer, I can already tell that the team at WayPoint did a fantastic work on this, despite Canadian banks having legacy and conservative methods of interacting with third parties. Two weeks in, I have already started seeing improvement in the way I manage my finances and I am able to forecast what's coming in savings, spending and reaching long term financial goals. A true five star solution. Thank you
Ryan Plester
Great budgeting tool for less money than others. The dashboard is particularly insightful
Ayla Bee
A great replacement for MINT and more intuitive than MINT was!
Fargo6
The developer responded quickly when I had issues with importing transactions and linking banks. They implemented fixes right away and followed up with me. This is an active development team that truly cares about their product. 5 stars for trust.
Jodi Harbarenko
What an incredible find Waypoint Budget is! As a former MINT and YNAB user, I was searching for an affordable Canadian budgeting app with straightforward features—and Waypoint delivers exactly that. The dashboard is clean and easy to navigate, and connecting my bank accounts was seamless. What really sets Waypoint apart is the founder's incredible responsiveness and genuine care for user feedback. I've never experienced this level of support with any other budgeting tool. Highly recommend!
Kerem
Great budgeting app with very active development team! I've been using it for over 5 months and very happy with the user experience. The paid feature to use Plaid to sync bank transactions is worth considering on its own. Filters credit card payment and receive transactions well enough by itself and provides a lot of customization.
Jared Friesen
Great with Canadian bank. The user interface is great. Budget tool is perfect.
Tony S Pietromonaco
Great product and excellent customer service
Valerie
I'm a senior with a bit of bookkeeping experience from long ago. That's relevant because I am thrilled to bits that I have found Waypoint to be so easy to use. Of course, there is a learning curve, but between Waypoint themselves and ChatGPT, I've been able to navigate the whole thing. I highly recommend Waypoint -- it's designed for Canadians, which is huge for me, and designed with privacy integrity as well.
Seif Allaoua
Impressive, it really surpassed my expectations, and I am usually a difficult customer when it comes to technology solutions. As a computer engineer myself, and a two weeks customer, I can already tell that the team at WayPoint did a fantastic work on this, despite Canadian banks having legacy and conservative methods of interacting with third parties. Two weeks in, I have already started seeing improvement in the way I manage my finances and I am able to forecast what's coming in savings, spending and reaching long term financial goals. A true five star solution. Thank you
Robert & Linda Johnstone
Waypoint is very user friendly with a clean and simple user interface. It's super helpful and gives great insight into household finances.
Barbara Whittaker
Wonderful experience excellent customer support and product!!
Mike
This app makes budgeting and tracking your money simple. It is intuitive and well developed. But what really makes this app head and shoulders above other apps is the developers desire to make it better. Not only did they reply back to questions I had about certain functions (I find it rare that app developers even respond to emails or messages), they made changes to the app to address these issues. Amazing!!
Byra Dineshkumar
As someone who is still a beginner when it comes to personal finance and budgeting, I've found Waypoint to be incredibly helpful in terms of making the process of tracking expenses and learning how to budget less daunting. I haven't upgraded to being able to sync banking transactions just yet, but even the process of manually entering my expenses, and having a clear visual of where I'm at and my goals has been empowering. I especially love the dashboard, the user interface is easy to navigate. Excited to continue to explore the different features Waypoint has to offer, and to see the platform grow as whole :)
Mathieu Thériault
Great canadian financial planning application. Focuses on what's important, lots of potential and delivers on most of it, the rest will come as they are updating the application steadily on what matters most. Support is superb, quick, detailed, with troubleshooting steps and possible solutions as soon as the first message.
Johnny D.
It's a really great tool to get you started on your budgeting journey. Easy to understand and navigate, easy to customize. On top of that they have rapid customer service - when I had questions they would respond within 24h-48h. Impressive stuff! Keep doing what you're doing.
Chad
This is the best Canadian budgeting platform I've used so far. I've tried many other budgeting platforms, but always ended up going back to my spreadsheets-until now. the layout is clean and intuitive, and its incredibly simple and efficient to use. waypoint budget finally gives me everything i liked about with my spreadsheets, without the hassle.
Jacques Persoons
Finally find an app that suits all our needs. Quite Simple to use and very intuitive. I tried few other apps that were WAY TO COMPLICATED! It is also well adapted for Canadians. Customer service is also top of the line…
Robert & Linda Johnstone
Waypoint is very user friendly with a clean and simple user interface. It's super helpful and gives great insight into household finances.
Barbara Whittaker
Wonderful experience excellent customer support and product!!
Mike
This app makes budgeting and tracking your money simple. It is intuitive and well developed. But what really makes this app head and shoulders above other apps is the developers desire to make it better. Not only did they reply back to questions I had about certain functions (I find it rare that app developers even respond to emails or messages), they made changes to the app to address these issues. Amazing!!
Byra Dineshkumar
As someone who is still a beginner when it comes to personal finance and budgeting, I've found Waypoint to be incredibly helpful in terms of making the process of tracking expenses and learning how to budget less daunting. I haven't upgraded to being able to sync banking transactions just yet, but even the process of manually entering my expenses, and having a clear visual of where I'm at and my goals has been empowering. I especially love the dashboard, the user interface is easy to navigate. Excited to continue to explore the different features Waypoint has to offer, and to see the platform grow as whole :)
Mathieu Thériault
Great canadian financial planning application. Focuses on what's important, lots of potential and delivers on most of it, the rest will come as they are updating the application steadily on what matters most. Support is superb, quick, detailed, with troubleshooting steps and possible solutions as soon as the first message.
Johnny D.
It's a really great tool to get you started on your budgeting journey. Easy to understand and navigate, easy to customize. On top of that they have rapid customer service - when I had questions they would respond within 24h-48h. Impressive stuff! Keep doing what you're doing.
Chad
This is the best Canadian budgeting platform I've used so far. I've tried many other budgeting platforms, but always ended up going back to my spreadsheets-until now. the layout is clean and intuitive, and its incredibly simple and efficient to use. waypoint budget finally gives me everything i liked about with my spreadsheets, without the hassle.
Jacques Persoons
Finally find an app that suits all our needs. Quite Simple to use and very intuitive. I tried few other apps that were WAY TO COMPLICATED! It is also well adapted for Canadians. Customer service is also top of the line…
Alex Anna
In-depth analysis of my finance. Visual and easy to use. The best app.
Robert & Linda Johnstone
Waypoint is very user friendly with a clean and simple user interface. It's super helpful and gives great insight into household finances.
Ayla Bee
A great replacement for MINT and more intuitive than MINT was!
Helene
The bookmark version has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app... (as of July 2026)... time will tell how that compares.
Mike
This app makes budgeting and tracking your money simple. It is intuitive and well developed. But what really makes this app head and shoulders above other apps is the developers desire to make it better. Not only did they reply back to questions I had about certain functions (I find it rare that app developers even respond to emails or messages), they made changes to the app to address these issues. Amazing!!
Jodi Harbarenko
What an incredible find Waypoint Budget is! As a former MINT and YNAB user, I was searching for an affordable Canadian budgeting app with straightforward features—and Waypoint delivers exactly that. The dashboard is clean and easy to navigate, and connecting my bank accounts was seamless. What really sets Waypoint apart is the founder's incredible responsiveness and genuine care for user feedback. I've never experienced this level of support with any other budgeting tool. Highly recommend!
Stevie Baker
Waypoint is amazing. It's intuitive and easy to use. It allows you to set goals, track budget lines, group things together into categories and shows pie charts of the percentages of your budget. You can set goals and feel completely in control and informed. It's an excellent budgeting app the the customer service is second to none.
Mathieu Thériault
Great canadian financial planning application. Focuses on what's important, lots of potential and delivers on most of it, the rest will come as they are updating the application steadily on what matters most. Support is superb, quick, detailed, with troubleshooting steps and possible solutions as soon as the first message.
Jared Friesen
Great with Canadian bank. The user interface is great. Budget tool is perfect.
J.P. Métivier
Outstanding product built by an attentive and responsive team. By far the best budgeting tool I've tried. I wish they had a referral program because I'm already referring it to my close circle.
Chad
This is the best Canadian budgeting platform I've used so far. I've tried many other budgeting platforms, but always ended up going back to my spreadsheets-until now. the layout is clean and intuitive, and its incredibly simple and efficient to use. waypoint budget finally gives me everything i liked about with my spreadsheets, without the hassle.
Valerie
I'm a senior with a bit of bookkeeping experience from long ago. That's relevant because I am thrilled to bits that I have found Waypoint to be so easy to use. Of course, there is a learning curve, but between Waypoint themselves and ChatGPT, I've been able to navigate the whole thing. I highly recommend Waypoint -- it's designed for Canadians, which is huge for me, and designed with privacy integrity as well.
James W
One of the best budgeting apps I've used. Not unnecessarily invasive, functional, adaptable. Developing and updating faster than the issues can annoy you. Canadian made is also a huge bonus. Keep up the stellar work team!
Alex Anna
In-depth analysis of my finance. Visual and easy to use. The best app.
Robert & Linda Johnstone
Waypoint is very user friendly with a clean and simple user interface. It's super helpful and gives great insight into household finances.
Ayla Bee
A great replacement for MINT and more intuitive than MINT was!
Helene
The bookmark version has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app... (as of July 2026)... time will tell how that compares.
Mike
This app makes budgeting and tracking your money simple. It is intuitive and well developed. But what really makes this app head and shoulders above other apps is the developers desire to make it better. Not only did they reply back to questions I had about certain functions (I find it rare that app developers even respond to emails or messages), they made changes to the app to address these issues. Amazing!!
Jodi Harbarenko
What an incredible find Waypoint Budget is! As a former MINT and YNAB user, I was searching for an affordable Canadian budgeting app with straightforward features—and Waypoint delivers exactly that. The dashboard is clean and easy to navigate, and connecting my bank accounts was seamless. What really sets Waypoint apart is the founder's incredible responsiveness and genuine care for user feedback. I've never experienced this level of support with any other budgeting tool. Highly recommend!
Stevie Baker
Waypoint is amazing. It's intuitive and easy to use. It allows you to set goals, track budget lines, group things together into categories and shows pie charts of the percentages of your budget. You can set goals and feel completely in control and informed. It's an excellent budgeting app the the customer service is second to none.
Mathieu Thériault
Great canadian financial planning application. Focuses on what's important, lots of potential and delivers on most of it, the rest will come as they are updating the application steadily on what matters most. Support is superb, quick, detailed, with troubleshooting steps and possible solutions as soon as the first message.
Jared Friesen
Great with Canadian bank. The user interface is great. Budget tool is perfect.
J.P. Métivier
Outstanding product built by an attentive and responsive team. By far the best budgeting tool I've tried. I wish they had a referral program because I'm already referring it to my close circle.
Chad
This is the best Canadian budgeting platform I've used so far. I've tried many other budgeting platforms, but always ended up going back to my spreadsheets-until now. the layout is clean and intuitive, and its incredibly simple and efficient to use. waypoint budget finally gives me everything i liked about with my spreadsheets, without the hassle.
Valerie
I'm a senior with a bit of bookkeeping experience from long ago. That's relevant because I am thrilled to bits that I have found Waypoint to be so easy to use. Of course, there is a learning curve, but between Waypoint themselves and ChatGPT, I've been able to navigate the whole thing. I highly recommend Waypoint -- it's designed for Canadians, which is huge for me, and designed with privacy integrity as well.
James W
One of the best budgeting apps I've used. Not unnecessarily invasive, functional, adaptable. Developing and updating faster than the issues can annoy you. Canadian made is also a huge bonus. Keep up the stellar work team!
Ryan Plester
Great budgeting tool for less money than others. The dashboard is particularly insightful
Georgette
I have been looking for a way to budget as I look move towards retirement. I had tried YNAB, MINT, and a few others, but found them too complicated. When I came upon Waypoint Budget, the first thing I liked was the clean look of the website. It is easy to navigate between the different tools. I now actually enjoy keeping track of my finances.
Barbara Whittaker
Wonderful experience excellent customer support and product!!
Fargo6
The developer responded quickly when I had issues with importing transactions and linking banks. They implemented fixes right away and followed up with me. This is an active development team that truly cares about their product. 5 stars for trust.
Kristin Gyuran
New to this app and love it. I really appreciate how you can interact with the creators to ask questions and recommend improvements. I find it easy to use and it syncs with my bank easily. Would highly recommend to anyone wishing to be more mindful with their money.
Byra Dineshkumar
As someone who is still a beginner when it comes to personal finance and budgeting, I've found Waypoint to be incredibly helpful in terms of making the process of tracking expenses and learning how to budget less daunting. I haven't upgraded to being able to sync banking transactions just yet, but even the process of manually entering my expenses, and having a clear visual of where I'm at and my goals has been empowering. I especially love the dashboard, the user interface is easy to navigate. Excited to continue to explore the different features Waypoint has to offer, and to see the platform grow as whole :)
Kerem
Great budgeting app with very active development team! I've been using it for over 5 months and very happy with the user experience. The paid feature to use Plaid to sync bank transactions is worth considering on its own. Filters credit card payment and receive transactions well enough by itself and provides a lot of customization.
Sabine
If you’re looking for a Canadian-made budgeting solution, look no further. Waypoint is easy to use, even for a budgeting novice — the layout and functionality just make sense, and there’s an app as well. Best of all, if you ever have questions, you get a real human to help you out quickly. Thank you!
Johnny D.
It's a really great tool to get you started on your budgeting journey. Easy to understand and navigate, easy to customize. On top of that they have rapid customer service - when I had questions they would respond within 24h-48h. Impressive stuff! Keep doing what you're doing.
Tony S Pietromonaco
Great product and excellent customer service
Ahmed H.
Just what I was looking for. Pulls transactions directly from my canadian bank accounts (works great for scotiabank and cibc), simple and clean design, ability to budget, track and compile reports on spending per category/month/year etc. Best such product out there for Canadians.
Jacques Persoons
Finally find an app that suits all our needs. Quite Simple to use and very intuitive. I tried few other apps that were WAY TO COMPLICATED! It is also well adapted for Canadians. Customer service is also top of the line…
Seif Allaoua
Impressive, it really surpassed my expectations, and I am usually a difficult customer when it comes to technology solutions. As a computer engineer myself, and a two weeks customer, I can already tell that the team at WayPoint did a fantastic work on this, despite Canadian banks having legacy and conservative methods of interacting with third parties. Two weeks in, I have already started seeing improvement in the way I manage my finances and I am able to forecast what's coming in savings, spending and reaching long term financial goals. A true five star solution. Thank you
Ryan Plester
Great budgeting tool for less money than others. The dashboard is particularly insightful
Georgette
I have been looking for a way to budget as I look move towards retirement. I had tried YNAB, MINT, and a few others, but found them too complicated. When I came upon Waypoint Budget, the first thing I liked was the clean look of the website. It is easy to navigate between the different tools. I now actually enjoy keeping track of my finances.
Barbara Whittaker
Wonderful experience excellent customer support and product!!
Fargo6
The developer responded quickly when I had issues with importing transactions and linking banks. They implemented fixes right away and followed up with me. This is an active development team that truly cares about their product. 5 stars for trust.
Kristin Gyuran
New to this app and love it. I really appreciate how you can interact with the creators to ask questions and recommend improvements. I find it easy to use and it syncs with my bank easily. Would highly recommend to anyone wishing to be more mindful with their money.
Byra Dineshkumar
As someone who is still a beginner when it comes to personal finance and budgeting, I've found Waypoint to be incredibly helpful in terms of making the process of tracking expenses and learning how to budget less daunting. I haven't upgraded to being able to sync banking transactions just yet, but even the process of manually entering my expenses, and having a clear visual of where I'm at and my goals has been empowering. I especially love the dashboard, the user interface is easy to navigate. Excited to continue to explore the different features Waypoint has to offer, and to see the platform grow as whole :)
Kerem
Great budgeting app with very active development team! I've been using it for over 5 months and very happy with the user experience. The paid feature to use Plaid to sync bank transactions is worth considering on its own. Filters credit card payment and receive transactions well enough by itself and provides a lot of customization.
Sabine
If you’re looking for a Canadian-made budgeting solution, look no further. Waypoint is easy to use, even for a budgeting novice — the layout and functionality just make sense, and there’s an app as well. Best of all, if you ever have questions, you get a real human to help you out quickly. Thank you!
Johnny D.
It's a really great tool to get you started on your budgeting journey. Easy to understand and navigate, easy to customize. On top of that they have rapid customer service - when I had questions they would respond within 24h-48h. Impressive stuff! Keep doing what you're doing.
Tony S Pietromonaco
Great product and excellent customer service
Ahmed H.
Just what I was looking for. Pulls transactions directly from my canadian bank accounts (works great for scotiabank and cibc), simple and clean design, ability to budget, track and compile reports on spending per category/month/year etc. Best such product out there for Canadians.
Jacques Persoons
Finally find an app that suits all our needs. Quite Simple to use and very intuitive. I tried few other apps that were WAY TO COMPLICATED! It is also well adapted for Canadians. Customer service is also top of the line…
Seif Allaoua
Impressive, it really surpassed my expectations, and I am usually a difficult customer when it comes to technology solutions. As a computer engineer myself, and a two weeks customer, I can already tell that the team at WayPoint did a fantastic work on this, despite Canadian banks having legacy and conservative methods of interacting with third parties. Two weeks in, I have already started seeing improvement in the way I manage my finances and I am able to forecast what's coming in savings, spending and reaching long term financial goals. A true five star solution. Thank you