SoFi logo

Best Budget App for
SoFi

Connect SoFi Checking, Savings, and the SoFi Credit Card to Waypoint Budget for a budget that goes deeper than SoFi's built-in Relay tracking. Custom categories, household sharing, and full transaction history.

Get Started Free

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

Connection

Plaid

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

Account types

4 supported

Checking · Savings · SoFi Credit Card · Invest Cash Account

Access level

Read-only

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

Built around how you use SoFi

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

Automatic transaction sync

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

Smart category rules

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

Real budget tracking

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

Smart Money Coach

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

Household sharing

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

Net worth and goals

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

Connect SoFi in under a minute

1

Create your free Waypoint Budget account

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

2

Search for "SoFi" and authorize

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

3

Pick the accounts you want to budget

Bring in any of your Checking, Savings, SoFi Credit Card 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 SoFi login stays at SoFi

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 SoFi + Waypoint Budget

Does Waypoint Budget sync with SoFi?
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SoFi connects through Plaid in Waypoint Budget and includes the SoFi Money checking-and-savings hybrid, the SoFi Credit Card, and SoFi Invest cash accounts. You sign in once, accept the connection, and your transactions begin syncing. No CSV imports, no manual entry.
Which SoFi account types are supported?
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Waypoint Budget supports Checking, Savings, SoFi Credit Card, Invest Cash Account from SoFi. If you have multiple accounts, you choose which ones to bring in during setup.
Is connecting SoFi to Waypoint Budget safe?
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Yes. Waypoint Budget never sees or stores your SoFi 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 SoFi?
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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 SoFi 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 SoFi 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.

Chime logoChimeChase Bank logoChaseBank of America logoBank of AmericaWells Fargo logoWells FargoCitibank logoCitiU.S. Bank logoU.S. Bank

Start budgeting your SoFi accounts today

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

Get Started Free

4.6/5 on Trustpilot