TD Canada Trust logo

Best Budget App for
TD Canada Trust

Connect your TD chequing, savings, and credit card accounts to Waypoint and let every TD transaction sort itself into the right category automatically. TD is one of Canada's most-connected banks on Waypoint.

No credit card · Free forever · Read-only connection

Connection

Plaid + Flinks (auto-routed)

Waypoint picks the more reliable provider for TD automatically.

Account types

4 supported

Chequing · Savings · Credit Card · Line of Credit

Access level

Read-only

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

Built around how you actually use TD

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

Automatic transaction sync

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

Smart category rules

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

Real budget tracking

See exactly how much of your TD spending fits each category — no spreadsheets.

AI Money Coach

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

Household sharing

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

Net worth and goals

Track TD balances over time and set savings goals that actually move.

Connect TD in under a minute

1

Create your free Waypoint account

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

2

Search for "TD" and authorize

Waypoint routes you through Plaid + Flinks (auto-routed), which is the same secure bank-data provider used by major fintechs. You log in with your TD credentials — Waypoint never sees them.

3

Pick the accounts you want to budget

Bring in any of your Chequing, Savings, 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 TD login stays at TD

Waypoint uses bank-grade connections through Plaid + Flinks (auto-routed) — 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 TD + Waypoint

Does Waypoint actually sync with TD Canada Trust?
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TD Canada Trust syncs through Plaid by default in Waypoint, with an automatic Flinks fallback if your bank requires extra verification. You sign in once, accept the connection, and your transactions begin syncing — no CSV imports, no manual entry.
Which TD account types are supported?
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Waypoint supports Chequing, Savings, Credit Card, Line of Credit from TD Canada Trust. If you have multiple accounts, you choose which ones to bring in during setup.
Is connecting TD to Waypoint safe?
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Yes. Waypoint never sees or stores your TD login. The connection goes through Plaid + Flinks (auto-routed) — 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 TD?
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The free tier of Waypoint lets you connect one bank including TD Canada Trust. The Plus plan (CA$7.99/mo) adds the AI Money Coach, advanced reports, and 5 years of history. The Pro plan (CA$12.99/mo) bumps you to 5 bank connections and adds net worth and household budgeting.
What if my TD connection ever breaks?
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Waypoint will surface the issue inside the app and walk you through a one-tap reconnect. Since TD is supported through both Plaid and Flinks, Waypoint can also fall back to the other provider automatically.

Other Canadian banks supported in Waypoint

Connect more than one to see your full picture.

RBC Royal Bank logoRBCBMO Bank of Montreal logoBMOScotiabank logoScotiaCIBC logoCIBCNational Bank of Canada logoNational BankTangerine logoTangerine

Start budgeting your TD accounts today

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