Buddy logovs
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Buddy or Waypoint Budget?
Share a Budget on Any Phone.

Buddy is a well-liked iPhone budgeting app from Stockholm, built around shared budgets. Waypoint Budget is built in Canada and runs on iPhone, Android and the web. The differences are which phones your household can use, which networks reach your bank or credit union, and what the free plan includes.

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No credit card required · 2-minute setup · Free forever plan

Built in Canada, For Canadian Money

Two bank networks, your currency, your accounts

Two Bank Networks

Waypoint Budget reaches Canadian banks through two networks, Plaid and Flinks, so institutions one misses are covered by the other. Flinks is a Montreal company built for Canadian banks specifically, which is how credit unions like Vancity, Meridian and Servus connect. Bank sync is on Plus (one bank) and Pro (unlimited banks).

TFSA, RRSP, FHSA, RESP

Registered accounts get dedicated account types on Pro, not a generic balance in a list. Most US-first budgeting apps have no concept of them.

Priced in CAD

Waypoint Budget charges Canadians in Canadian dollars, so there is no conversion and no foreign transaction fee from your card. Free tier forever, Plus at CA$7.99/month, Pro at CA$12.99/month.

US Dollar Accounts Too

Multi-currency on every plan: a US dollar account or card counts in your budget in Canadian dollars, at the Bank of Canada daily rate. See how it works

Banks Waypoint Budget connects to

Plus thousands more institutions across Canada and the US

Bank names and logos are the property of their owners. Waypoint Budget is not affiliated with or endorsed by them.

Is Buddy on Android?

Where each app runs, and what that means for a shared budget

No. Buddy is Apple-only: it runs on iPhone, iPad, Apple Watch and Apple silicon Macs, and its website links only to the App Store. As of November 2026 there is no Google Play listing from its developer and no web app.

That matters most for Buddy's best feature, the shared budget. A partner on Android cannot join from their own phone. Waypoint Budget runs on iPhone, Android and the web, and household sharing on Pro gives up to 5 people their own logins on whatever device they use.

If everyone in your home is on iPhone and you like Buddy, the platform alone is no reason to switch. The other differences are the bank networks, in the table below, and a free plan with import, receipt scanning and the Smart Money Coach.

Compiled November 2026 from Buddy's Canadian App Store listing, buddy.download and its terms of service.

Feature-by-Feature Comparison

Feature by feature, from a Canadian account

FeatureWaypoint BudgetBuddy
Built in CanadaMade in Sweden
iPhone app
Android app
Web appNot listed
Bank networksPlaid + FlinksPlaid + Salt Edge
Flinks (Canadian credit unions)
Shared budgetsPro, up to 5, own loginsInvite anyone
Split costs and settle up
Net worthPro
TFSA, RRSP, FHSA, RESPProNot listed
Smart Money CoachFree, 5 a dayNot listed
Receipt scanningNot listed
File importCSV + PDF statementsNot listed
Billed in Canadian dollarsApp Store, in CAD
Paid planCA$7.99/month or CA$79.99/yearApp Store options, CA$6.49 to CA$129.99

Not listed means not shown on buddy.download or Buddy's Canadian App Store listing as of November 2026.

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Bring Your Budget With You

Import is free on every plan

Drop In Your History

CSV files, PDF bank statements, receipt photos and screenshots all go through one import screen, with name cleanup and duplicate detection.

Smart Money Coach

Ask why groceries ran high, or what to cut to free up $200. It reads your spending and answers, like a financial advisor in your pocket. 5 messages a day on the free plan.

Budget Together

Create a household on Pro and invite up to 5 members. Everyone gets their own login and the same live budget. No shared password.

To Be Fair to Buddy

We believe in honest comparisons

A longer track record: Buddy has been on the App Store since 2014 and holds 8,400 Canadian ratings at 4.6 stars. Waypoint Budget is newer, with a much smaller review base.

Splitting costs: Buddy's Split shows who paid what and how to settle up, which suits roommates and group trips. Waypoint Budget shares one household budget but does not work out who owes whom.

Languages: Buddy is available in French and eleven other languages besides English. Waypoint Budget is in English only.

If everyone in your home is on iPhone and you split costs with roommates or friends, Buddy does that well. If a partner is on Android, you want to budget in a web browser, or your money sits at a credit union that connects through Flinks, that is Waypoint Budget.

Common Questions About Buddy

Is Buddy available on Android?
No. Buddy runs on iPhone, iPad, Apple Watch and Apple silicon Macs, and its website links only to the App Store. Waypoint Budget runs on iPhone, Android and the web, so a household with mixed phones can share one budget.
Does Buddy work with Canadian banks?
Yes, through Plaid and Salt Edge, the two connection providers named in its terms. It does not use Flinks, the Montreal network that carries credit unions such as Vancity, Meridian and Servus. Waypoint Budget connects through Plaid and Flinks.
How much does Buddy cost in Canada?
Varies. Buddy is free to try, and Premium is sold in the App Store, where the Canadian listing shows Premium purchases from CA$6.49 to CA$129.99. Waypoint Budget's free plan has no time limit; Plus is CA$7.99 a month or CA$79.99 a year, and Pro is CA$12.99 a month or CA$129.99 a year.
Can my partner and I share a budget in both?
Yes. Buddy lets you invite a partner, roommate or anyone else to a budget. Waypoint Budget's Pro plan shares one household budget with up to 5 people, each with their own login, on iPhone, Android or the web.
Can I move my Buddy data to Waypoint Budget?
If you can export a CSV from Buddy, yes. Waypoint Budget imports CSV files, PDF bank statements and receipt photos through one import screen with name cleanup and duplicate detection. Import is free on every plan.
Is Waypoint Budget a Canadian company?
Yes. Waypoint Budget is built in Canada by a team of two. Canadians are billed in Canadian dollars, and support answers from here as well.

More Comparisons

How Waypoint Budget stacks up against the other apps Canadians search for

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