TD Bank logo

Best Budget App for
TD Bank

Connect TD Bank's US checking, savings, and Cash Credit Card to Waypoint Budget and budget across both TD US and TD Canada Trust accounts if you bank cross-border. One app, both sides.

Get Started Free

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

Connection

Plaid

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

Account types

4 supported

Convenience Checking · Beyond Checking · Simple Savings · Cash Credit Card

Access level

Read-only

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

Built around how you use TD Bank

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

Automatic transaction sync

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

Smart category rules

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

Real budget tracking

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

Smart Money Coach

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

Household sharing

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

Net worth and goals

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

Connect TD Bank in under a minute

1

Create your free Waypoint Budget account

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

2

Search for "TD Bank" and authorize

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

3

Pick the accounts you want to budget

Bring in any of your Convenience Checking, Beyond Checking, Simple Savings 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 Bank login stays at TD Bank

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 TD Bank + Waypoint Budget

Does Waypoint Budget sync with TD Bank?
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TD Bank (the U.S. subsidiary of TD) connects through Plaid in Waypoint Budget and is separate from TD Canada Trust. Both are supported independently. You sign in once, accept the connection, and your transactions begin syncing. No CSV imports, no manual entry.
Which TD Bank account types are supported?
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Waypoint Budget supports Convenience Checking, Beyond Checking, Simple Savings, Cash Credit Card from TD Bank. If you have multiple accounts, you choose which ones to bring in during setup.
Is connecting TD Bank to Waypoint Budget safe?
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Yes. Waypoint Budget never sees or stores your TD Bank 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 TD Bank?
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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 TD Bank 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 TD Bank 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.

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

Start budgeting your TD Bank accounts today

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

Get Started Free

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