Built for Canadian Couples

Budgeting for Couples,
Made for Canada.

Share a household budget while keeping your personal budget private. Sync major Canadian banks, track e-transfer splits, and pay in CAD.

Start Budgeting Together

No credit card required · Pro plan CA$12.99/mo · Partner joins free

My Budget
Our Budget

E-Transfer Splits, Finally Tracked Right

One of you pays the rent. The other sends an Interac e-Transfer for their half. Most budgeting apps count that twice or lose it entirely. Waypoint syncs both sides so your household budget shows the real cost.

Both sides of the split sync automatically
Categorize once under your shared Rent category
Works for rent, utilities, groceries, and any split bill

Shared Transactions

Rent Payment

Rent · Jun 1

-$2,200.00

INTERAC e-Transfer from Liam

Rent · Jun 1

+$1,100.00

Hydro Bill

Utilities · Jun 3

-$94.20
Net rent cost: $1,100 each

Connected Accounts

Joint Chequing

TD Canada Trust

$3,412.55

Personal Chequing

RBC Royal Bank

$1,847.10

Savings

Tangerine

$8,250.00

Joint Accounts and Canadian Banks

Connect a joint chequing account at RBC, TD, Scotiabank, BMO, or CIBC and its transactions land in the shared household view. Personal accounts, including Tangerine, Simplii, EQ Bank, and Wealthsimple, stay in each partner's private profile.

Each partner connects their own accounts
Joint account transactions appear for both of you
Transactions sync automatically every 6 hours

Your Money Stays Private

Your personal budget is yours alone. Your partner only sees the shared household view, so a birthday gift stays a surprise and personal spending stays personal.

Personal transactions stay private
Shared categories visible to both
Switch views in one tap
My Budget
Private
Our Budget
Rent$2,200
Groceries$612
TFSA Savings$500
Both partners see this

Everything Couples Need in One App

All the tools, shared between partners.

Shared Goals

Save for a down payment, wedding, or emergency fund together. Track TFSA and FHSA savings side by side.

Combined Reports

Household spending trends and savings rate across both incomes.

Both Connect Banks

Each partner links their own accounts. Transactions sync automatically every 6 hours.

Shared Calendar

See upcoming bills and payment dates for the household.

Smart Money Coach

A coach that knows your household context and gives real advice.

Fund Categories

Roll over budget into shared funds for winter tires, holidays, or home repairs.

One Subscription Covers Both of You

Priced in CAD, so there are no surprise USD charges on your credit card statement.

Maya

Pro

CA$12.99/mo

+

Liam

Free

$0/mo

Total for both of you

CA$12.99/mo

FAQs

Can my partner see my personal budget?
+
No. Your personal budget profile is completely private. Only the shared household budget is visible to both partners.
Do both of us need to pay?
+
No. Only one partner needs a Pro subscription (CA$12.99/mo). The other joins free and gets full access to all shared features.
Which banks can we connect?
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Waypoint supports connections to major Canadian banks including RBC, TD, Scotiabank, BMO, and CIBC, plus credit unions and online banks like Tangerine, Simplii, EQ Bank, and Wealthsimple. Each partner connects their own accounts.
How do we track a shared joint account?
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Connect the joint account once and its transactions appear in the shared household view. Personal accounts stay in each partner’s private profile.
How do we handle e-transfers for rent or split bills?
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When one partner pays rent and the other sends an Interac e-Transfer for their half, both sides sync automatically. Categorize the payment under your shared Rent category so the household budget reflects the true cost.
Is the pricing in Canadian dollars?
+
Yes. Waypoint charges Canadian users in CAD. The Pro plan is CA$12.99/mo and covers both partners.

Keep Reading

How to Budget as a Couple in Canada

A step-by-step guide to combining finances with your partner.

Free Budgeting Apps for Couples in Canada

Compare the top options available to Canadian couples.

Ready to Budget Together?

Create your free account, invite your partner, and set up your shared budget in a few minutes.

Get Started Free

No credit card required · Pro plan CA$12.99/mo · Partner joins free