# 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 — 47-61% cheaper than YNAB with a generous free tier. Bootstrapped and independently built by two developers who use it every day.

Website: https://waypointbudget.com
Founded: 2025, Incorporated: 2026
Pricing: Free tier available. Plus $7.99/mo USD, Pro $12.99/mo USD. Annual plans save 17%. 7-day free trial on paid plans.
Platforms: Web app (desktop), Progressive Web App / PWA (iOS, Android — no app store needed)
Banks Supported: 7,000+ US banks, 3,000+ Canadian banks via Plaid
Security: 256-bit encryption, SOC 2, Plaid-secured, read-only bank access, 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 all bills, payments, and income dates at a glance.
- Subscription Tracking: Automatically detects recurring charges. Shows monthly/annual cost, next charge date, and AI-powered cancel recommendations.
- Money Coach (AI): Personalized financial advice via natural language chat. Analyzes spending patterns, suggests savings, reviews subscriptions. 5 messages/day on Free, unlimited on paid plans.
- Dark Mode: Full dark mode support across all platforms.
- CSV Import: Upload bank CSVs, Mint exports, or YNAB exports. Smart duplicate detection.
- Data Export: Export all data to JSON for backup or portability.

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

- Automatic Bank Sync: 1 bank connection. Transactions sync automatically via Plaid.
- 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.
- 5 Years Historical Data: Extended transaction history.

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

- 5 Bank Connections: Connect up to 5 financial institutions.
- Net Worth Tracking: Complete financial picture — assets, liabilities, net worth history and trends.
- Tax-Advantaged Account Tracking: TFSA, RRSP, RESP (Canada) and 401(k), IRA, HSA (US) monitoring.
- Household Budgeting: Invite family members to share budgets, transactions, and bank connections. Owner and member roles.
- Unlimited Historical Data: Full transaction history with no time limit.

**Regional support:**

- Canada: CAD pricing, TFSA/RRSP/RESP tracking, 3,000+ Canadian banks (TD, RBC, BMO, Scotiabank, CIBC, Tangerine, etc.), Canadian tax calculators, automatic region detection.
- United States: USD pricing, 401(k)/IRA/HSA tracking, 7,000+ US banks (Chase, Bank of America, Wells Fargo, Capital One, Citi, etc.), US-relevant calculators.

**Privacy and security:** Revenue from subscriptions only — user data is never sold. No ads, no financial product pushing. Bank credentials handled by Plaid — never stored by Waypoint. Read-only bank access — Waypoint can never move money. 256-bit SSL encryption for all data. Full data export and deletion available. GDPR compliant. SOC 2 compliant infrastructure.

**vs. YNAB (You Need A Budget):** 47-61% cheaper ($7.99 vs $14.99/mo). Free tier available (YNAB has no free plan). AI Money Coach included (YNAB has no AI features). Receipt scanning, net worth tracking, and direct YNAB data import included.

**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): Common questions about features, billing, and security
- [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 and general inquiries

## 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