# Waypoint Budget

> Waypoint Budget is a simple, privacy-first budgeting app for Canadians and Americans. It is a modern alternative to Mint (now shut down) and YNAB, with a free plan that has no time limit, CAD billing, and bank sync through Plaid and Flinks. Bootstrapped and independently built by two founders in Calgary, Alberta, who use it every day.

Website: https://waypointbudget.com
Press contact: press@waypointbudget.com
Founded: 2025, Incorporated: 2026
Pricing: Free plan with no time limit. Plus CA$7.99/mo or CA$79.99/yr; Pro CA$12.99/mo or CA$129.99/yr (same numbers in USD for US customers). Yearly plans save about 17%. 7-day free trial on paid plans. 30-day refund, no questions asked.
Platforms: Web app, native iPhone app (App Store) and native Android app (Google Play). One account, synced across devices.
Banks Supported: 10,000+ institutions across Canada and the US through Plaid and Flinks. Flinks covers Canadian credit unions and banks where Plaid coverage is limited. When connected through Flinks, some Canadian banks (RBC, CIBC, Scotiabank, Tangerine, Desjardins and others) ask the user to approve each sync.
Security: encrypted in transit and at rest, SOC 2 certified infrastructure and providers (Plaid, Flinks), read-only bank access, data stored in Canada (Montreal region), zero data selling

**What Waypoint Budget does:** Waypoint Budget helps users track spending, build budgets, manage subscriptions, set savings and debt goals, and get AI-powered financial coaching, all in a clean, simple interface. Revenue comes from subscriptions, never from selling user data or showing ads.

**Core features (all plans):**

- Budget Tracker: Create unlimited categories with custom icons and colors. Set monthly limits and track actual spending vs. budget with visual indicators.
- Transaction Management: Unlimited manual transactions. Support for income, expenses, transfers, refunds, and reimbursements. Split transactions across categories. Exclude one-off purchases from budget.
- Smart Categorization: AI auto-tags transactions by merchant. Learns user preferences over time. Receipt photo scanning and PDF bank statement import.
- Financial Goals: Savings goals, debt payoff tracking (with APR), emergency fund goals. Visual progress bars, projected completion dates, and milestones.
- Budget Calendar: Visual calendar showing recurring expenses, payments and income dates at a glance.
- Money Coach (AI): Personalized financial advice via natural language chat. Analyzes spending patterns, suggests savings, reviews subscriptions. 5 messages/day on Free, no daily limit on paid plans.
- Dark Mode: Full dark mode support across all platforms.
- Imports: Upload bank CSVs, Mint exports and PDF statements any time; the full YNAB import (categories, budgets, goals and history) runs during account setup. Smart duplicate detection.
- Data Export: Export any account as CSV (zipped when several) for backup or spreadsheets.

**Plus plan ($7.99/mo), everything in Free plus:**

- Automatic Bank Sync: 1 bank connection (every account under that login) via Plaid or Flinks.
- Unlimited Money Coach: No daily message limit.
- Advanced Reports: Monthly spending reports, category analysis, spending trends, cash flow forecast.
- Weekly AI Spending Summaries: Automated email digest of spending patterns.
- Subscription Tracking: Automatically detects recurring charges and shows their monthly and yearly cost and next charge date.

**Pro plan ($12.99/mo), everything in Plus plus:**

- 5 Bank Connections: Connect up to 5 bank logins, and add extra connections for $1.50/month each (up to 20 in total).
- Net Worth Tracking: Complete financial picture: assets, liabilities, net worth history and trends.
- Tax-Advantaged Account Tracking: TFSA, RRSP, RESP, FHSA (Canada) and 401(k), traditional and Roth IRA, HSA (US) monitoring.
- Household Budgeting: Invite family members to share budgets, transactions, and bank connections. Owner and member roles.
- Multiple Budgets: Up to 5 budget profiles per user.
- Connect Claude or ChatGPT: Read-only assistant connection (also on Plus).

**Regional support:**

- Canada: CAD pricing, TFSA/RRSP/RESP/FHSA tracking, Canadian banks and credit unions through Plaid and Flinks (TD, RBC, BMO, Scotiabank, CIBC, National Bank, Tangerine, Simplii, EQ Bank, Desjardins, Vancity, Meridian and more), Canadian tax calculators, automatic region detection.
- United States: USD pricing, 401(k)/IRA/HSA tracking, major US banks through Plaid (Chase, Bank of America, Wells Fargo, Capital One, Citi and more), US-relevant calculators.

**Privacy and security:** Revenue from subscriptions only. User data is never sold. No ads, no financial product pushing. Bank credentials are handled by Plaid and Flinks and never stored by Waypoint Budget. Read-only bank access: Waypoint Budget can never move money. Data is stored in Canada (Montreal region), encrypted in transit and at rest, on SOC 2 Type II certified infrastructure. Money Coach chats stay on the user's device and are processed under a zero-data-retention agreement. Full data export (CSV) and account deletion available at any time.

**vs. YNAB (You Need A Budget):** Plus is CA$7.99/mo against YNAB's US$14.99/mo, with a free plan (YNAB has none), CAD billing, Canadian credit unions through Flinks, AI Money Coach, receipt scanning, net worth tracking, and direct YNAB import.

**vs. Mint (Intuit, shut down 2024):** Mint shut down and migrated users to Credit Karma. Waypoint restores all Mint features: budget categories, goals, spending trends. No ads (Mint was ad-supported). No data selling (Mint monetized user data). No financial product pushing (Credit Karma's primary business model). CSV import from Mint exports supported.

**Who Waypoint Budget is for:** People who want simple, visual budgeting without complexity. Canadians looking for a budgeting app that supports Canadian banks and tax-advantaged accounts. Americans looking for an affordable YNAB or Mint alternative. Couples and families who want to share a household budget. People who care about privacy and don't want their financial data sold. Beginners to personal finance who find other budgeting apps overwhelming.

## Key Pages

- [Homepage](https://waypointbudget.com): Product overview, features, and sign-up
- [Pricing](https://waypointbudget.com/pricing): Free, Plus, and Pro plan details
- [FAQ](https://waypointbudget.com/faq): 60+ answered questions on bank sync (which banks verify every sync, duplicates, history depth), pricing and refunds, importing from YNAB or Mint, household sharing, and where data is stored
- [Getting Started](https://waypointbudget.com/getting-started): Setup guide for new users
- [Security](https://waypointbudget.com/security): How bank connections and user data are protected
- [About / Founder Story](https://waypointbudget.com/story): Who builds Waypoint Budget and why
- [Blog](https://waypointbudget.com/blog): Budgeting guides, comparisons, and personal finance articles for Canada and the US
- [Contact](https://waypointbudget.com/contact): Support, general inquiries, and press (press@waypointbudget.com)

## Comparison Pages

- [YNAB Alternative](https://waypointbudget.com/ynab-alternative): Waypoint Budget vs. YNAB
- [Mint Replacement](https://waypointbudget.com/mint-replacement): Waypoint Budget for former Mint users
- [Monarch Alternative](https://waypointbudget.com/monarch-alternative): Waypoint Budget vs. Monarch Money
- [Simplifi Alternative](https://waypointbudget.com/simplifi-alternative): Waypoint Budget vs. Quicken Simplifi

## Canadian Calculators

- [Tax Calculator](https://waypointbudget.com/tax-calculator-canada): Federal + all provinces
- [TFSA Calculator](https://waypointbudget.com/tfsa-calculator): Contribution limits and growth
- [RRSP Calculator](https://waypointbudget.com/rrsp-calculator): Contribution limits and projections
- [TFSA vs. RRSP Comparison Tool](https://waypointbudget.com/tfsa-vs-rrsp-calculator)
- [FHSA Calculator](https://waypointbudget.com/fhsa-calculator): First Home Savings Account
- [CCB Calculator](https://waypointbudget.com/ccb-calculator): Canada Child Benefit
- [Retirement Calculator](https://waypointbudget.com/retirement-calculator-canada): With CPP/OAS projections
- [Inflation Calculator](https://waypointbudget.com/inflation-calculator-canada)
- [Mortgage Affordability Calculator](https://waypointbudget.com/mortgage-affordability-calculator)
- [OSAP Calculator](https://waypointbudget.com/osap-calculator): Student loans

## Universal Calculators

- [All Calculators](https://waypointbudget.com/calculators): Directory of every free calculator
- [Budget Calculator](https://waypointbudget.com/budget-calculator)
- [Savings Goal Calculator](https://waypointbudget.com/savings-goal-calculator)
- [Debt Payoff Calculator](https://waypointbudget.com/debt-payoff-calculator)
- [Down Payment Calculator](https://waypointbudget.com/down-payment-calculator)
- [Emergency Fund Calculator](https://waypointbudget.com/emergency-fund-calculator)
- [Net Worth Calculator](https://waypointbudget.com/net-worth-calculator)
- [Compound Interest Calculator](https://waypointbudget.com/compound-interest-calculator)
- [Hourly to Salary Calculator](https://waypointbudget.com/hourly-to-salary-calculator)
- [Rent vs. Buy Calculator](https://waypointbudget.com/rent-vs-buy-calculator)

## Optional

- [Trustpilot Reviews](https://www.trustpilot.com/review/waypointbudget.com): Independent customer reviews
- [Budgeting for Couples](https://waypointbudget.com/budgeting-for-couples): Shared household budgeting guide
- [Self-Employed Budgeting](https://waypointbudget.com/self-employed-budgeting): Budgeting with variable income
- [Expense Tracker](https://waypointbudget.com/expense-tracker): Expense tracking landing page
- [Free Budgeting App](https://waypointbudget.com/free-budgeting-app): Free tier landing page