Chime logo

Best Budget App for
Chime

Link your Chime Checking, Savings and Credit Builder accounts to Waypoint Budget to see Chime spending next to every other account you own. Chime shows you Chime; Waypoint Budget shows you the whole picture, with rollover categories and a shared household budget.

Get Started Free

No credit card · Free plan forever · Read-only connection

Connection

Plaid

Waypoint Budget connects to Chime through Plaid for the most stable sync.

Account types

3 supported

Checking · Savings · Credit Builder

Access level

Read-only

Waypoint Budget can see transactions but can never move money in or out of Chime.

Built around how you use Chime

Waypoint Budget is a full budgeting app, not a spending chart bolted onto your banking app.

Automatic transaction sync

Every Chime transaction lands in Waypoint Budget within minutes, categorized and ready to review.

Smart category rules

Recurring Chime merchants learn your categories once and stay sorted forever.

Real budget tracking

See exactly how much of your Chime spending fits each category. No spreadsheets.

Smart Money Coach

Ask questions about your Chime spending and get answers in plain English.

Household sharing

If your partner also banks with Chime, share your budget without sharing logins.

Net worth and goals

Track Chime balances over time and set savings goals that move.

Connect Chime in under a minute

1

Create your free Waypoint Budget account

No credit card. Sign up with email, Apple, or Google.

2

Search for "Chime" and authorize

Waypoint Budget routes you through Plaid, the same secure bank-data provider used by major fintechs. You log in with your Chime credentials. Waypoint Budget never sees them.

3

Pick the accounts you want to budget

Bring in any of your Checking, Savings, Credit Builder accounts. Skip the ones you don't want tracked.

4

Watch your budget build itself

Transactions auto-categorize. Spending shows up against your budget. Done.

Your Chime login stays at Chime

Waypoint Budget uses bank-grade connections through Plaid, the same providers behind apps like Wealthsimple, KOHO, and SoFi. Your credentials are never stored by Waypoint Budget, and the connection is read-only.

Read-only access
256-bit encryption
SOC 2 providers
Disconnect anytime

FAQs about Chime + Waypoint Budget

Does Waypoint Budget sync with Chime?
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Chime connects through Plaid in Waypoint Budget using Chime's own sign-in page, so the connection does not depend on a stored password. Early direct deposit lands in Chime first and shows up in your budget on the next sync. You sign in once, accept the connection, and your transactions begin syncing. No CSV imports, no manual entry.
Which Chime account types are supported?
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Waypoint Budget supports Checking, Savings, Credit Builder from Chime. If you have multiple accounts, you choose which ones to bring in during setup.
Is connecting Chime to Waypoint Budget safe?
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Yes. Waypoint Budget never sees or stores your Chime login. The connection goes through Plaid, the same bank-data providers used by major fintechs, and is read-only. We can never move money.
How much does it cost to connect Chime?
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Waypoint Budget's free plan covers manual entry, CSV and PDF statement import, receipt scanning and every budgeting feature, and it stays free. Automatic Chime sync is on Waypoint Plus (US$7.99/mo, 1 bank connection) and Waypoint Pro (US$12.99/mo, 5 bank connections, plus net worth and household budgeting). Paid plans start with a free trial.
What if my Chime connection ever breaks?
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Waypoint Budget will surface the issue inside the app and walk you through a one-tap reconnect. You stay in control. Your data stays put while the connection is being restored.

Other U.S. banks supported in Waypoint Budget

Connect more than one to see your full picture.

SoFi logoSoFiChase Bank logoChaseBank of America logoBank of AmericaWells Fargo logoWells FargoCitibank logoCitiU.S. Bank logoU.S. Bank

Start budgeting your Chime accounts today

Free plan forever. No credit card. Your Chime accounts connect in under a minute on Waypoint Plus or Pro.

Get Started Free

4.6/5 on Trustpilot