SoFi logo

Best Budget App for
SoFi

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

No credit card · Free forever · Read-only connection

Connection

Plaid

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

Built around how you actually use SoFi

Waypoint is a full budgeting app — not just a spending chart bolted onto your banking app.

Automatic transaction sync

Every SoFi transaction lands in Waypoint 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.

AI 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 actually move.

Connect SoFi in under a minute

1

Create your free Waypoint account

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

2

Search for "SoFi" and authorize

Waypoint routes you through Plaid, which is the same secure bank-data provider used by major fintechs. You log in with your SoFi credentials — Waypoint 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 uses bank-grade connections through Plaid — the same providers behind apps like Wealthsimple, KOHO, and SoFi. Your credentials are never stored by Waypoint, and the connection is read-only.

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

FAQs about SoFi + Waypoint

Does Waypoint actually sync with SoFi?
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SoFi connects through Plaid in Waypoint 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 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 safe?
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Yes. Waypoint 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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The free tier of Waypoint lets you connect one bank including SoFi. The Plus plan (US$7.99/mo) adds the AI Money Coach, advanced reports, and 5 years of history. The Pro plan (US$12.99/mo) bumps you to 5 bank connections and adds net worth and household budgeting.
What if my SoFi connection ever breaks?
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Waypoint 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

Connect more than one to see your full picture.

Chase Bank logoChaseBank of America logoBank of AmericaWells Fargo logoWells FargoCitibank logoCitiU.S. Bank logoU.S. BankPNC Bank logoPNC

Start budgeting your SoFi accounts today

Free forever. No credit card. Your SoFi accounts can be connected in under a minute.