Your Questions,
Answered.

Yes. The Free plan has no time limit and needs no credit card.

Free includes unlimited manual transactions, budget categories, savings and debt goals, the budget calendar, smart categorization, receipt scanning, CSV import, and data export. Money Coach is included at 5 messages a day. Plus and Pro add automatic bank sync and more. Compare plans

No. Free works fully with manual entry and imports.

If you want transactions to arrive on their own, Plus includes 1 bank connection. Pro includes 5, shared across your household, and you can add more. Plaid and Flinks handle the bank login, and Waypoint Budget never sees or stores your banking password.

Create a free account and answer a few setup questions. Your first budget is built from your answers.

Then bring in your spending by connecting a bank, importing a file, or entering transactions by hand. Getting started guide

Yes. Waypoint Budget has native apps on the App Store and Google Play, and it runs in any browser.

Your account and data stay in sync across every device. The apps add push notifications, including an alert when new transactions arrive from your bank.

Two founders in Calgary, Alberta, who use it every day.

Waypoint Budget is independently built in Canada and funded by subscriptions, not by investors or by selling data. Read the story

Yes. Plaid and Flinks handle the login, and access is read-only.

Waypoint Budget never sees or stores your banking password. We can see balances and transactions, and nothing we do can move money. Both providers are SOC 2 audited and are the same connection layer behind many Canadian fintech apps. Disconnect any bank at any time from the Transactions page, then the Banks tab. How we protect your data

It depends on your bank's agreement, so it's worth reading before you connect.

Some Canadian bank agreements say you should not share your login with a third party; others allow it for aggregators. Waypoint Budget uses read-only access through Plaid and Flinks, never stores your credentials, and cannot move money. Canada's consumer-driven banking law (Bill C-15, 2026) is putting a formal, bank-approved path in place. If you are unsure, the Free plan works fully without a bank connection.

More than 10,000 institutions across Canada and the US, through Plaid and Flinks.

That covers the big banks (TD, RBC, BMO, Scotiabank, CIBC, National Bank), online banks (Tangerine, Simplii, EQ Bank, Neo Financial, KOHO), most credit unions, and major US banks (Chase, Bank of America, Wells Fargo, Citi, Capital One). Search for your institution in the connect flow. If it isn't available to connect right now, CSV import keeps it tracked.

Yes, through Flinks.

Most Canadian credit unions connect, including the Vancity, Desjardins, Meridian, Servus and Coast Capital networks. If yours isn't available to connect right now, the Free plan still tracks it with CSV import.

One connection is one bank login, not one account.

Every account under that login comes in together: chequing, savings, credit cards and lines of credit. Plus (1 connection) syncs every account at one bank. Pro (5 connections) syncs every account at up to five banks, shared across your household, and can add extra connections. A bank uses a second connection only when it gives you a separate login, for example a credit card issued by a different division.

Yes. On Pro, add extra connections for $1.50 a month each, up to 20 connections in total.

Open Profile, then Plan & Billing, and add them under Extra Bank Connections, or tap “Need more connections?” on the Banks tab. Extra connections join the household pool, and the household owner is the one who adds them. Plus includes 1 connection and does not take extras, so move to Pro first. Extras are billed through Stripe, so they work with a Pro plan bought on the website or in the Android app. Using the iPhone app with a plan bought on the web? Add them from the website. A Pro plan bought through the App Store cannot add extras right now.

Most banks sync on their own. Some Canadian banks verify every sync, so their new transactions arrive when you tap Sync and approve.

Banks connected through Plaid sync in the background. Banks connected through Flinks do too, except the ones listed here: they sync when you tap Sync, and most send a notification to their app or a one-time code to approve. Keep your phone nearby, tap Sync once, and approve right away. The connection stays in place between syncs, and the bank card on the Banks tab shows which kind you have.

Most banks update on their own as the bank releases transactions. Banks that verify every sync update when you tap Sync.

You can also sync by hand from the Transactions page. Manual syncs have a short cooldown, usually 15 minutes, so your bank is not asked to verify twice in a row. There is no monthly limit on syncs.

Some banks share only posted transactions, so a purchase shows up once it posts, which can be a few days later.

Credit cards trail the most; chequing usually posts within a day. Transactions are dated by the day they posted, so a purchase from the last day of a month can land in the next one. Edit the date if you want it counted earlier.

Banks expire connections on their own schedule.

A changed password, a replacement card, or a security review at the bank can all break the link. Tapping Reconnect on the bank card signs you in again and keeps every account and transaction, so there is no need to delete and re-add the connection.

A reconnect or a replacement card can make the bank re-issue account numbers, and a few transactions arrive twice.

Waypoint Budget catches most of these automatically. If some slip through, delete the extra rows or email support with the bank name and we will clean them up. Always use Reconnect rather than deleting and re-adding the connection, which keeps your history intact.

The history window is set when you connect, and it cannot be widened afterwards.

Most banks allow up to 12 months; some, including several card issuers, give about 90 days. Pick the longest window when you connect. For older history, import a CSV or PDF statement into the same account; imported rows are checked against synced ones to catch overlaps.

Yes. Net worth on Pro pulls balances from connected investment accounts, detects registered accounts, and lets you add a pension by hand.

That includes TFSA, RRSP, RESP and FHSA in Canada, and 401(k), traditional and Roth IRA, and HSA in the US. Where a provider does not connect, add the balance as a manual asset and update it when you like.

Chequing, savings, credit cards, lines of credit, loans, investment and retirement accounts.

Connect them, import them, or track them by hand. Contributions and withdrawals can be categorized like any other transaction.

Plus adds 1 bank connection and unlimited Money Coach. Pro adds 5 connections, household sharing, net worth and up to 5 budgets.

Both include advanced reports, spending summaries, subscription tracking and the Claude or ChatGPT connection. Pro also tracks registered accounts (TFSA, RRSP, RESP, FHSA, 401(k), traditional and Roth IRA, HSA) inside net worth, and can add extra bank connections for $1.50 a month each. Compare plans

Plus is CA$7.99 a month or CA$79.99 a year. Pro is CA$12.99 a month or CA$129.99 a year.

US customers pay the same numbers in US dollars. Free stays free. See pricing

Yes. Yearly plans cost about 17% less than paying monthly, roughly two months free.

Plus is CA$79.99 a year and Pro is CA$129.99 a year, and US customers pay the same numbers in US dollars. Choose yearly at checkout.

Yes. Ask within 30 days of a charge and we refund it in full, no questions asked.

Email support@waypointbudget.com from the address on your account. After 30 days, ask anyway: we review every request case by case. Subscriptions bought in the iPhone app are billed by Apple, so request those refunds from Apple, and email us if you need a hand.

Open Profile, then Plan & Billing. It shows where you are billed and lets you cancel.

Subscriptions bought on the website or in the Android app are billed by Stripe and cancel right there. Subscriptions bought in the iPhone app are billed by Apple, so cancel them in your Apple ID subscription settings. Either way you keep your plan until the end of the period you paid for.

Your account moves to Free at the end of the period you paid for. Your transactions, categories, goals and history stay.

Bank connections are disconnected when the plan ends, including any your household members added, so connect your banks again if you resubscribe. Paid features lock until then. Cancelling during a free trial works the same way: you keep access until the trial ends and are never charged.

Yes. New subscribers get 7 days free on Plus or Pro.

If you don't cancel, the plan starts when the 7 days end. Friends who join through a referral link get their first month free instead. One trial per account.

Yes, with no fees.

Changes take effect right away. Upgrading charges only the prorated difference, and downgrading turns the unused part of your plan into credit on your next bill. Moving from Pro to Plus keeps one bank connection and disconnects the rest. In the iPhone app, Apple applies a downgrade at your next renewal instead.

Visa, Mastercard and American Express through Stripe, plus Apple Pay and Google Pay where available.

In the iPhone app you can also subscribe through the App Store. The Android app uses the same Stripe checkout as the website. Waypoint Budget never sees or stores your card number.

Every connection costs us a per-bank fee from Plaid or Flinks.

That fee is why bank sync lives on Plus and Pro. Free stays unlimited for manual entry, CSV import and receipt scanning, so you can run a complete budget without ever paying.

No. One Pro subscription covers the whole household.

Invite your partner or family by email. Members join free, get full Pro access, and can connect their own banks using the household's connections: 5, plus any extras the owner adds. Plus does not include household sharing.

Yes. Email support and we will move you to the right currency on the same plan.

Checkout currency comes from your location at the moment you subscribe, so a VPN can pick the wrong one.

Canadians pay in Canadian dollars and Americans in US dollars, the same numbers in each.

Plus is CA$7.99 a month in Canada and US$7.99 a month in the US. Yearly plans follow the same pattern.

Not at the moment.

The Free plan has no limits on manual transactions, categories or goals, and many students never need more.

Yes. Your friend gets their first month free, and you get a free month once they become a paying subscriber.

Your invite link is on the Free Months row in Profile. Friends who sign up through it get their first month free instead of the 7-day trial, and you earn a free month of your plan each time a referred friend becomes a paying subscriber. There is no limit.

A budget assistant that answers questions about your own spending.

It looks at your transactions and categories, explains where the money went, suggests ways to save and helps with setup. Free includes 5 messages a day; Plus and Pro have no daily limit.

Your income for the month, minus spending, minus what you set aside in rollover categories.

Income is your planned income for the month, or what has arrived so far if your income varies. Money moved into a rollover category is not spending, so it never shows in Spent or the spending charts, but it does reduce Remaining because that money is already spoken for. Spending paid from money set aside in an earlier month is added back, so it is never counted twice. When Remaining drops below zero the tile says Over budget, which is a whole-budget signal, separate from any single category.

A rollover category is money you set aside for costs you know are coming. It builds up from month to month, like a sinking fund.

Contributions add to its balance and spending from it draws the balance down, which suits costs that arrive unevenly: car repairs, gifts, or a yearly insurance premium. Setting money aside is not spending, so it never shows in Spent. A goal is a savings or debt target with a progress bar and a projected finish date.

Each correction teaches it. Change a category or rename a merchant and Waypoint Budget offers to apply it to similar transactions.

Categorization Rules, in Profile, keep a merchant in the category you chose on future syncs. To change several transactions at once, select them on the Transactions page and use the bar that appears.

Yes. The budget runs monthly, and your paydays can be weekly, every two weeks or twice a month.

The budget calendar shows when each pay lands. If your income varies, record each pay as it arrives, or let bank sync bring it in, and the month updates.

Yes. Pro includes household sharing.

Invite members by email. Everyone sees the same shared budget, transactions and goals, and each member can connect their own banks using the household's connections: 5, plus any extras the owner adds. Only the household owner needs Pro.

Yes. Each member gets the shared budget plus up to 4 personal budgets of their own.

Personal budgets belong to the member who created them and stay out of the shared household view, so a shared budget and a private one can live side by side.

Free and Plus include one budget. Pro includes up to five.

Use separate budgets for a rental property, a side business, or a personal budget next to the household one, and switch between them from the profile switcher.

Yes to all four.

The full YNAB import is part of account setup: choose Import from YNAB, upload your YNAB export, and it rebuilds your categories, budget amounts, goals and history. Mint CSVs, bank CSVs, PDF statements and receipt photos can be imported any time. Imports can go into an account you have already connected, and every row is checked against your synced transactions to catch overlaps. Moving from YNAB

Yes.

Open the transaction, choose Split transaction, and divide the amount across as many categories as you need. Each part counts toward its own category.

Most are. Ambiguous ones are left for you to confirm.

Two transfers of the same amount on the same day, or a transfer that posts days apart at each bank, cannot be paired safely. Open either transaction, set its type to Transfer, and pick the other side under Linked Transfer in Advanced Options. Linked transfers stay out of your spending.

On purpose.

A sent Interac e-transfer looks identical whether it is rent, a gift, or paying a friend back, so Waypoint Budget does not guess. It waits in Uncategorized until you pick the category it belongs to.

Yes. A repeating expense or income is entered on each due date going forward.

It does not backfill past months if you set it up late. If a repeating item appears twice, there are two series for it: open the ⋯ menu on the Transactions page, choose Repeating, and delete the extra one.

A month view of your recurring expenses, income and paydays.

See what is coming up and how the month is shaped before it happens.

Net worth on Pro adds up connected balances, manual assets and liabilities, and tracks the total month over month.

Registered accounts (TFSA, RRSP, RESP, FHSA in Canada; 401(k), traditional and Roth IRA, HSA in the US) are detected automatically. Add property, vehicles, mortgages and loans by hand. A breakdown chart shows assets against liabilities.

Yes, on Plus and Pro.

Turn on the assistant connection in Profile, under Integrations, then add Waypoint Budget inside Claude or ChatGPT. It is read-only: the assistant can answer questions about your budget and never changes anything. Setup guide

Yes. Open Profile, then Your Data, then Export Data, and download any account as CSV.

Choose the accounts, include or exclude transfers, and download. Several files arrive zipped, ready for Excel, Numbers or Google Sheets.

Never. No ads, no data sales, no product recommendations for commission.

Revenue comes from Plus and Pro subscriptions only. We share data with the service providers that help run Waypoint Budget (hosting, bank connections, payments, email and analytics), when the law requires it, or with your consent. The privacy policy has the details.

Your budgets, transactions and goals are stored in Canada, in the Montreal region.

They are encrypted at rest and in transit, covered by Canadian privacy law (PIPEDA and Quebec's Law 25), and kept on SOC 2 Type II certified infrastructure with automatic backups. Our app servers run in Montreal too, so Flinks connections go from your bank to our database without leaving Canada. Two things can take your financial data across the border: bank data from Plaid connections passes through Plaid's US infrastructure, and Money Coach messages may be processed by AI providers in the US. Privacy policy

No. Bank access is read-only.

Waypoint Budget connects through Plaid and Flinks and can only view balances and transactions. No one can move money, make transfers, or modify your accounts through it. You can revoke access at any time.

Your transactions, categories, goals and preferences. Never your bank password or card number.

Sign-in is handled by Clerk and payments by Stripe, so passwords and card numbers never touch our servers.

Your chat history stays on your device and is never saved on our servers.

Money Coach sends only the budget details needed to answer your question to our AI provider, under a zero-data-retention agreement, and your messages are never used to train models. Clearing the app's data or your browser data clears the history.

From Profile, under Your Data, any time. Your budget data is removed permanently.

Budgets, transactions, categories and goals are deleted from our database. Export anything you want to keep first, because this cannot be undone.

Yes. Payments run through Stripe, which is PCI DSS Level 1 certified.

Waypoint Budget never sees or stores your card number. Website and Android subscriptions are processed by Stripe, and iPhone app purchases by Apple.

We would notify affected people as soon as possible and work to contain it.

Because we do not store bank passwords or card numbers, the risk of financial credential exposure is much lower than it would be otherwise.

You can take everything with you at any time.

Export every account as CSV from Profile whenever you like. If we ever decided to wind the service down, we would give notice and an export window before deleting anything.

Check for a verification request first, then use Reconnect if the bank card says it needs attention.

A missed approval request is the most common reason a sync brings nothing new. Tap Sync once from the Banks tab, keep your phone nearby, and approve right away. Also check that the accounts you want are turned on for syncing. If it still fails, email support@waypointbudget.com with the bank name.

Open Help inside the app and ask Waypoint Guide.

It answers how-to questions and can walk you through a screen step by step. The What's new page lists every release.

Send us a message from the contact page, email support@waypointbudget.com, or open Help inside the app.

Most questions get a reply within one business day, often faster. Include your bank name for sync questions and your account email for billing questions.

Yes, please. Many features came straight from user requests.

Post and vote on ideas at waypointbudget.featurebase.app, or email us.