Set up your personalized budget in about 60 seconds. Choose your path below.
Pick the path that fits you best
Enter your income, pick a template, and get a personalized budget in about 60 seconds
Try the app with realistic sample data. No setup required. Clear it when you're ready.
Upload your YNAB export and migrate seamlessly
Swipe to compare all 3 paths
Tell us how you get paid
It's one simple sentence: how much you take home and how often. Monthly, bi-weekly, weekly, and semi-monthly schedules are all supported, and you can change it anytime. If you're paid bi-weekly, you can optionally set your next pay date so Waypoint Budget can anchor your pay cycle.
I get paid $2,250 every 2 weeks
$2,250 × 2 paycheques = $4,500/month (conservative estimate)
Start with a template, customize from there
Choose from five templates designed for different life stages, or start blank. Amounts automatically scale to your income, every category is editable, and one-tap chips add popular extras like Subscriptions or Pets. Try it below.
of $7,000.00/mo income. Unallocated money is fine, it stays yours.
Optional but powerful
Add savings goals (emergency fund, vacation, down payment) or debt payoff targets (credit card, student loan). Each goal tracks your progress over time with monthly contributions.
Goals are optional. You can skip this step and add them later from the Goals page.
Preview your budget before saving
Review your complete budget with all categories and goals. Make any final adjustments, then save. Start adding transactions manually or connect your bank (Plus plan). The Money Coach will provide insights as you go.
Set savings goals for vacations, emergency funds, or down payments. Track progress automatically.
See all bills and payments on a calendar. Plan around paycheques and due dates.
Track recurring subscriptions in one place. Find and cancel ones you don't use.
Spending trends, category analysis, and historical comparisons to spot patterns.
Budget together with your partner or family. Switch between personal and shared views.
AI-powered advice based on your actual spending. Ask questions, get insights.
Start simple, then optimize
Your first budget is a draft. Track for a month, then adjust based on actual spending.
Review your dashboard weekly
Spending 5-10 minutes each week keeps you on track and prevents month-end surprises.
Budget for fun money
A budget without enjoyment won't stick. Include entertainment and personal spending.
Plan for irregular expenses
Car insurance, gifts, annual fees: add these to your calendar so you're never caught off guard.
Join thousands of people across Canada and the US using Waypoint Budget to reach their financial goals.
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