Neontra or Waypoint Budget? Both Canadian. Here Is the Difference.
Neontra and Waypoint Budget are both built for Canadian accounts, both connect through Plaid and Flinks, and both bill in Canadian dollars. The differences are what the free plan includes, what a paid month costs, and whether your household can share one budget.
No credit card required · 2-minute setup · Free forever plan
Built in Canada, For Canadian Money
Two bank networks, your currency, your accounts
Two Bank Networks
Waypoint Budget reaches Canadian banks through two networks, Plaid and Flinks, so institutions one misses are covered by the other. Flinks is a Montreal company built for Canadian banks specifically, which is how credit unions like Vancity, Meridian and Servus connect. Bank sync is on Plus and Pro.
TFSA, RRSP, FHSA, RESP
Registered accounts get dedicated account types on Pro, not a generic balance in a list. Most US-first budgeting apps have no concept of them.
Priced in CAD
Waypoint Budget charges Canadians in Canadian dollars, so there is no conversion and no foreign transaction fee from your card. Free tier forever, Plus at CA$7.99/month, Pro at CA$12.99/month.
Plus thousands more institutions across Canada and the US
Bank names and logos are the property of their owners. Waypoint Budget is not affiliated with or endorsed by them.
Is Neontra Free?
What each free plan includes, and what the paid plans cost
Partly. Neontra's free plan is manual account tracking: you add transactions yourself, and automatic bank sync is not included. Premium, at $12 a month or $99 a year, adds unlimited connections to your financial institutions with automatic syncing, apps on the App Store and Google Play, and premium support.
Waypoint Budget's free plan is also manual, with CSV and PDF statement import, receipt scanning and the Smart Money Coach at 5 messages a day. Bank sync is on Plus at CA$7.99 a month with 1 connection, and Pro at CA$12.99 a month with 5 connections, household sharing and net worth.
So the honest split: more than five institutions on one paid plan favours Neontra Premium. A free plan with import and a coach, a lower monthly price, and a household that shares one budget favours Waypoint Budget.
Compiled September 2026 from neontra.com and its pricing page.
Feature-by-Feature Comparison
Two Canadian apps, side by side
Feature
Waypoint Budget
Neontra
Built in Canada
Billed in Canadian dollars
CAD or USD
Bank networks
Plaid + Flinks
Plaid + Flinks + Wealthica
Bank sync on the free plan
No, Plus and Pro
No, Premium
Connections on a paid plan
1 on Plus, 5 on Pro
Unlimited on Premium
Paid plan
CA$7.99/month or CA$79.99/year
$12/month or $99/year
Household sharing
Pro, up to 5
Not listed
Smart Money Coach
Free, 5 a day
Not listed
Receipt scanning
Not listed
File import
CSV + PDF statements
CSV, OFX
Investment holdings tracking
Via Wealthica
iOS and Android apps
Web app
Not listed means not shown on neontra.com as of September 2026.
You're in good company
Don't take our word for it. See what people are saying about us on Trustpilot.
CSV files, PDF bank statements, receipt photos and screenshots all go through one import screen, with name cleanup and duplicate detection.
Smart Money Coach
Ask why groceries ran high, or what to cut to free up $200. It reads your spending and answers, like a financial advisor in your pocket. 5 messages a day on the free plan.
Budget Together
Create a household on Pro and invite up to 5 members. Everyone gets their own login and the same live budget. No shared password.
To Be Fair to Neontra
We believe in honest comparisons
Unlimited connections: Neontra Premium does not cap institutions. Waypoint Plus includes 1 bank connection and Pro includes 5. If you spread money across more than five, Neontra is the better fit.
Investment accounts: Neontra connects through Wealthica as well as Plaid and Flinks, which reaches brokerages Waypoint Budget does not. Waypoint Budget tracks balances and net worth on Pro, not holdings.
A longer track record: Neontra comes from TXIO, a Toronto company that has held SOC 2 certification since 2018. Waypoint Budget is a team of two; the bank connections run through Plaid and Flinks, which carry their own SOC 2.
If you have more than five institutions and want them all on one paid plan, Neontra Premium is the better deal. If you want a free plan with import and a coach, a lower monthly price, and a household that shares one budget, that is Waypoint Budget.
Common Questions About Neontra
Is Neontra free?
Partly. Neontra's free plan is manual account tracking without automatic bank sync. Premium is $12 a month or $99 a year and adds unlimited institution connections with automatic syncing. Waypoint Budget's free plan is also manual and includes import, receipt scanning and the Smart Money Coach; bank sync starts on Plus at CA$7.99 a month.
Which is cheaper, Neontra or Waypoint Budget?
Depends on the plan. Waypoint Plus is CA$7.99 a month or CA$79.99 a year; Neontra Premium is $12 a month or $99 a year. Neontra Premium includes unlimited bank connections, Waypoint Plus includes 1, and Waypoint Pro at CA$12.99 a month includes 5 plus household sharing and net worth.
Do both support Canadian credit unions?
Yes. Both connect through Flinks, the Montreal network that carries credit unions such as Vancity, Meridian and Servus, alongside Plaid for the major banks.
Can I move my Neontra data to Waypoint Budget?
If you can export a CSV from Neontra, yes. Waypoint Budget imports CSV files, PDF bank statements and receipt photos through one import screen with name cleanup and duplicate detection. Import is free on every plan.
Is Waypoint Budget a Canadian company?
Yes. Waypoint Budget is built in Canada by a team of two. Canadians are billed in Canadian dollars, and support answers from here as well.
Is the free tier a trial?
No. The free plan stays free. It includes unlimited manual transactions, all budget categories, savings and debt goals, the budget calendar, smart categorization, receipt scanning, CSV import and unlimited transaction history. Bank sync is what the paid plans add, and those start with a free trial.
More Comparisons
How Waypoint Budget stacks up against the other apps Canadians search for
vs
You're in good company
Don't take our word for it. See what people are saying about us on Trustpilot.
Trusted by 10,000+ budgeters
De-anna Lea
I’m really liking waypoint. I have been using EveryDollar for the last 6 yrs and switched over last month. I like the analytics and set up has been fairly easy. Bit of a learning curve with rollover accounts but that’s user error I’m fairly sure. Really like all the options.
Khalil Redd
So far love the app!! It’s very efficient and does an excellent job of defining and labeling transactions. Anything it struggles with it flags and allows you to label it yourself and it remembers that for future similar transactions. Also it updates well
Maxime
Great interface and support for banks.
Alex Anna
In-depth analysis of my finance. Visual and easy to use. The best app.
Georgette
I have been looking for a way to budget as I look move towards retirement. I had tried YNAB, MINT, and a few others, but found them too complicated. Many of the apps have very dark interfaces which is off putting to me. When I came upon Waypoint Budget, the first thing I liked was the clean look of the website. It is easy to navigate between the different tools - budget, categories, transactions, etc. I was able to connect my bank easily. I now actually enjoy keeping track of my finances. The tool is great, but the service is even better. I had a couple of questions and when I wrote to the website creator, he connected with me within hours, sometimes minutes. He is awesome to work with and has even taken a suggestion I made to make the website even better. He is constantly striving to meet the needs of his clients. I gladly signed up for a year. Check out Waypoint Budget. You will not be disappointed.
Helene
The book mark version has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app... (as of July 2026)... time will tell how that compares.
Kristin Gyuran
New to this app and love it. I really appreciate how you can interact with the creators to ask questions and recommend improvements. I find it easy to use and it syncs with my bank easily. Would highly recommend to anyone wishing to be more mindful with their money.
Stevie Baker
Waypoint is amazing. It's intuitive and easy to use. It allows you to set goals, track budget lines, group things together into categories and shows pie charts of the percentages of your budget. You can set goals and feel completely in control and informed. It's an excellent budgeting app the the customer service is second to none.
Mathieu Thériault
Great canadian financial planning application. Focuses on what's important, lots of potential and delivers on most of it, the rest will come as they are updating the application steadily on what matters most. Support is superb, quick, detailed, with troubleshooting steps and possible solutions as soon as the first message.
Johnny D.
It's a really great tool to get you started on your budgeting journey. Easy to understand and navigate, easy to customize. On top of that they have rapid customer service - when I had questions they would respond within 24h-48h. Impressive stuff! Keep doing what you're doing.
Chad
This is the best Canadian budgeting platform I've used so far. I've tried many other budgeting platforms, but always ended up going back to my spreadsheets-until now. the layout is clean and intuitive, and its incredibly simple and efficient to use. waypoint budget finally gives me everything i liked about with my spreadsheets, without the hassle.
Jacques Persoons
Finally find an app that suits all our needs. Quite Simple to use and very intuitive. I tried few other apps that were WAY TO COMPLICATED! It is also well adapted for Canadians. Customer service is also top of the line…
Leon Gongola
the subscriptions tracking love how it automates and fills in by itself without having me to manually input each transaction every time good transaction tracking, I love the budgeting feature helps to see what payments are coming up and how much is you fixed total cost per month.
De-anna Lea
I’m really liking waypoint. I have been using EveryDollar for the last 6 yrs and switched over last month. I like the analytics and set up has been fairly easy. Bit of a learning curve with rollover accounts but that’s user error I’m fairly sure. Really like all the options.
Khalil Redd
So far love the app!! It’s very efficient and does an excellent job of defining and labeling transactions. Anything it struggles with it flags and allows you to label it yourself and it remembers that for future similar transactions. Also it updates well
Maxime
Great interface and support for banks.
Alex Anna
In-depth analysis of my finance. Visual and easy to use. The best app.
Georgette
I have been looking for a way to budget as I look move towards retirement. I had tried YNAB, MINT, and a few others, but found them too complicated. Many of the apps have very dark interfaces which is off putting to me. When I came upon Waypoint Budget, the first thing I liked was the clean look of the website. It is easy to navigate between the different tools - budget, categories, transactions, etc. I was able to connect my bank easily. I now actually enjoy keeping track of my finances. The tool is great, but the service is even better. I had a couple of questions and when I wrote to the website creator, he connected with me within hours, sometimes minutes. He is awesome to work with and has even taken a suggestion I made to make the website even better. He is constantly striving to meet the needs of his clients. I gladly signed up for a year. Check out Waypoint Budget. You will not be disappointed.
Helene
The book mark version has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app... (as of July 2026)... time will tell how that compares.
Kristin Gyuran
New to this app and love it. I really appreciate how you can interact with the creators to ask questions and recommend improvements. I find it easy to use and it syncs with my bank easily. Would highly recommend to anyone wishing to be more mindful with their money.
Stevie Baker
Waypoint is amazing. It's intuitive and easy to use. It allows you to set goals, track budget lines, group things together into categories and shows pie charts of the percentages of your budget. You can set goals and feel completely in control and informed. It's an excellent budgeting app the the customer service is second to none.
Mathieu Thériault
Great canadian financial planning application. Focuses on what's important, lots of potential and delivers on most of it, the rest will come as they are updating the application steadily on what matters most. Support is superb, quick, detailed, with troubleshooting steps and possible solutions as soon as the first message.
Johnny D.
It's a really great tool to get you started on your budgeting journey. Easy to understand and navigate, easy to customize. On top of that they have rapid customer service - when I had questions they would respond within 24h-48h. Impressive stuff! Keep doing what you're doing.
Chad
This is the best Canadian budgeting platform I've used so far. I've tried many other budgeting platforms, but always ended up going back to my spreadsheets-until now. the layout is clean and intuitive, and its incredibly simple and efficient to use. waypoint budget finally gives me everything i liked about with my spreadsheets, without the hassle.
Jacques Persoons
Finally find an app that suits all our needs. Quite Simple to use and very intuitive. I tried few other apps that were WAY TO COMPLICATED! It is also well adapted for Canadians. Customer service is also top of the line…
Leon Gongola
the subscriptions tracking love how it automates and fills in by itself without having me to manually input each transaction every time good transaction tracking, I love the budgeting feature helps to see what payments are coming up and how much is you fixed total cost per month.
Adam Cabral
Very helpful budget tracker! Highly recommend.
Viona Smith
Fantastic app to use. Developers are super helpful, provide and take great honest feedback. Really trying to make this app even more amazing then it already is. So happy I found it.
T. D.
The program is great, but what sets it apart are two things: 1) When you need any questions answered, they answer by email within the same day. and 2) They are always upgrading their system with new features!
Ryan Plester
Great budgeting tool for less money than others. The dashboard is particularly insightful
Ayla Bee
A great replacement for MINT and more intuitive than MINT was!
Fargo6
what makes this a 5 star app is the few issues that arose or that I was confused about such as importing transactions and linking banks. I contacted the developer and they messaged back quickly that they implemented fix's for my issues and to retry it. this to me is a very active development team that cares about the product they are selling. 5 star for trust.
Jodi Harbarenko
What an incredible find Waypoint Budget is! I used MINT for well over a decade before it ended, and then switched to YNAB for a couple of years as there seemed to be nothing else available to Canadians. While I liked some aspects of YNAB, it was very expensive and was pretty frustrating to work with in some of its features. I stumbled on Waypoint after asking the internet if any new alternatives were around, and it suggested this great program. Not only is it Canadian, but the price is far better than YNAB, the features are more straightforward to work with (more like MINT used to be), and its founder and designer is incredibly supportive with any questions I have. He has responded right away to any questions or problems I am facing and always makes sure I have everything working as it should be. He is even open to new suggestions of features that I enjoyed in YNAB that are missing in Waypoint and is always improving his program with new changes! It's so amazing to see it evolving. I ended my YNAB subscription and am very happy with my experience thus far with Waypoint. I have the PRO version and have my banks connected to download transactions, and I love that categorizing is straightforward and the dashboard gives me a clear picture of what I've spent in each category and what remains. I know Jamal, the founder, is working with bank connections to make them easier to refresh, but the workaround he gave me is perfect and works like a charm. I give this budgeting program five stars and would say it is worth its value as a life-long budget geek--but also because it is a young Canadian software developer who brought it into being! Incredible program and very worth the trial... and subsequent subscription!
Kerem
Great budgeting app with very active development team! I've been using it for over 5 months and very happy with the user experience. The paid feature to use Plaid to sync bank transactions is worth considering on its own. Filters credit card payment and receive transactions well enough by itself and provides a lot of customization.
Sabine
If you’re looking for a Canadian-made budgeting solution, look no further. Waypoint is easy to use, even for a budgeting novice — the layout and functionality just make sense, and there’s an app as well. Best of all, if you ever have questions, you get a real human to help you out quickly. Thank you!
J.P. Métivier
Outstanding product built by an attentive and responsive team. By far the best budgeting tool I've tried. I wish they had a referral program because I'm already referring it to my close circle.
Ahmed H.
Just what I was looking for. Pulls transactions directly from my canadian bank accounts (works great for scotiabank and cibc), simple and clean design, ability to budget, track and compile reports on spending per category/month/year etc. Best such product out there for Canadians.
James W
One of the best budgeting apps I've used. Not unnecessarily invasive, functional, adaptable. Developing and updating faster than the issues can annoy you. Canadian made is also a huge bonus. Keep up the stellar work team!
Adam Cabral
Very helpful budget tracker! Highly recommend.
Viona Smith
Fantastic app to use. Developers are super helpful, provide and take great honest feedback. Really trying to make this app even more amazing then it already is. So happy I found it.
T. D.
The program is great, but what sets it apart are two things: 1) When you need any questions answered, they answer by email within the same day. and 2) They are always upgrading their system with new features!
Ryan Plester
Great budgeting tool for less money than others. The dashboard is particularly insightful
Ayla Bee
A great replacement for MINT and more intuitive than MINT was!
Fargo6
what makes this a 5 star app is the few issues that arose or that I was confused about such as importing transactions and linking banks. I contacted the developer and they messaged back quickly that they implemented fix's for my issues and to retry it. this to me is a very active development team that cares about the product they are selling. 5 star for trust.
Jodi Harbarenko
What an incredible find Waypoint Budget is! I used MINT for well over a decade before it ended, and then switched to YNAB for a couple of years as there seemed to be nothing else available to Canadians. While I liked some aspects of YNAB, it was very expensive and was pretty frustrating to work with in some of its features. I stumbled on Waypoint after asking the internet if any new alternatives were around, and it suggested this great program. Not only is it Canadian, but the price is far better than YNAB, the features are more straightforward to work with (more like MINT used to be), and its founder and designer is incredibly supportive with any questions I have. He has responded right away to any questions or problems I am facing and always makes sure I have everything working as it should be. He is even open to new suggestions of features that I enjoyed in YNAB that are missing in Waypoint and is always improving his program with new changes! It's so amazing to see it evolving. I ended my YNAB subscription and am very happy with my experience thus far with Waypoint. I have the PRO version and have my banks connected to download transactions, and I love that categorizing is straightforward and the dashboard gives me a clear picture of what I've spent in each category and what remains. I know Jamal, the founder, is working with bank connections to make them easier to refresh, but the workaround he gave me is perfect and works like a charm. I give this budgeting program five stars and would say it is worth its value as a life-long budget geek--but also because it is a young Canadian software developer who brought it into being! Incredible program and very worth the trial... and subsequent subscription!
Kerem
Great budgeting app with very active development team! I've been using it for over 5 months and very happy with the user experience. The paid feature to use Plaid to sync bank transactions is worth considering on its own. Filters credit card payment and receive transactions well enough by itself and provides a lot of customization.
Sabine
If you’re looking for a Canadian-made budgeting solution, look no further. Waypoint is easy to use, even for a budgeting novice — the layout and functionality just make sense, and there’s an app as well. Best of all, if you ever have questions, you get a real human to help you out quickly. Thank you!
J.P. Métivier
Outstanding product built by an attentive and responsive team. By far the best budgeting tool I've tried. I wish they had a referral program because I'm already referring it to my close circle.
Ahmed H.
Just what I was looking for. Pulls transactions directly from my canadian bank accounts (works great for scotiabank and cibc), simple and clean design, ability to budget, track and compile reports on spending per category/month/year etc. Best such product out there for Canadians.
James W
One of the best budgeting apps I've used. Not unnecessarily invasive, functional, adaptable. Developing and updating faster than the issues can annoy you. Canadian made is also a huge bonus. Keep up the stellar work team!
Max
I've been using Waypoint Budget mainly to manage a single account, and it handles everything far better than other competitors on the market. The built-in AI is honestly the best part. It makes tracking expenses and managing my account completely effortless. It saves so much manual work. Highly recommend if you want a clean app with AI that actually works!
Justin Miller
I've been looking for an effective tool since Mint shutdown. Although there's some app glitches still being sorted out, Waypoint is 100% the best option I've had available to me!
Noor Soultan
I looked and downloaded a lot of budgeting apps but this one is my fav. Its so easy to upload transaction my problem was connecting my bank to the app but now i just upload screen shots directly
Robert & Linda Johnstone
Waypoint is very user friendly with a clean and simple user interface. It's super helpful and gives great insight into household finances.
Barbara Whittaker
Wonderful experience excellent customer support and product!!
Mike
This app makes budgeting and tracking your money simple. It is intuitive and well developed. But what really makes this app head and shoulders above other apps is the developers desire to make it better. Not only did they reply back to questions I had about certain functions (I find it rare that app developers even respond to emails or messages), they made changes to the app to address these issues. Amazing!!
Byra Dineshkumar
As someone who is still a beginner when it comes to personal finance and budgeting, I've found Waypoint to be incredibly helpful in terms of making the process of tracking expenses and learning how to budget less daunting. I haven't upgraded to being able to sync banking transactions just yet, but even the process of manually entering my expenses, and having a clear visual of where I'm at and my goals has been empowering. I especially love the dashboard, the user interface is easy to navigate. Excited to continue to explore the different features Waypoint has to offer, and to see the platform grow as whole :)
Shannon Talarico
So far so great!!! Coming from a different budgeting app to this one I am really happy with the layout and simplicity/intuitiveness of the various tabs and views. I like so many of the features and I'm happy to be supporting a Canadian company. I wish I didn't have to reconnect the banks so often but I understand that is a bank issue and not something within Waypoint's control. They make it easy to reconnect so that's good.
Jared Friesen
Great with Canadian bank. The user interface is great. Budget tool is perfect.
Tony S Pietromonaco
Great product and excellent customer service
Valerie
I'm a senior with a bit of bookkeeping experience from long ago. That's relevant because I am thrilled to bits that I have found Waypoint to be so easy to use. Of course, there is a learning curve, but between Waypoint themselves and ChatGPT, I've been able to navigate the whole thing. I highly recommend Waypoint -- it's designed for Canadians, which is huge for me, and designed with privacy integrity as well.
Seif Allaoua
Impressive, it really surpassed my expectations, and I am usually a difficult customer when it comes to technology solutions. As a computer engineer myself, and a two weeks customer, I can already tell that the team at WayPoint did a fantastic work on this, despite Canadian banks having legacy and conservative methods of interacting with third parties. Two weeks in, I have already started seeing improvement in the way I manage my finances and I am able to forecast what's coming in savings, spending and reaching long term financial goals. A true five star solution. Thank you
Max
I've been using Waypoint Budget mainly to manage a single account, and it handles everything far better than other competitors on the market. The built-in AI is honestly the best part. It makes tracking expenses and managing my account completely effortless. It saves so much manual work. Highly recommend if you want a clean app with AI that actually works!
Justin Miller
I've been looking for an effective tool since Mint shutdown. Although there's some app glitches still being sorted out, Waypoint is 100% the best option I've had available to me!
Noor Soultan
I looked and downloaded a lot of budgeting apps but this one is my fav. Its so easy to upload transaction my problem was connecting my bank to the app but now i just upload screen shots directly
Robert & Linda Johnstone
Waypoint is very user friendly with a clean and simple user interface. It's super helpful and gives great insight into household finances.
Barbara Whittaker
Wonderful experience excellent customer support and product!!
Mike
This app makes budgeting and tracking your money simple. It is intuitive and well developed. But what really makes this app head and shoulders above other apps is the developers desire to make it better. Not only did they reply back to questions I had about certain functions (I find it rare that app developers even respond to emails or messages), they made changes to the app to address these issues. Amazing!!
Byra Dineshkumar
As someone who is still a beginner when it comes to personal finance and budgeting, I've found Waypoint to be incredibly helpful in terms of making the process of tracking expenses and learning how to budget less daunting. I haven't upgraded to being able to sync banking transactions just yet, but even the process of manually entering my expenses, and having a clear visual of where I'm at and my goals has been empowering. I especially love the dashboard, the user interface is easy to navigate. Excited to continue to explore the different features Waypoint has to offer, and to see the platform grow as whole :)
Shannon Talarico
So far so great!!! Coming from a different budgeting app to this one I am really happy with the layout and simplicity/intuitiveness of the various tabs and views. I like so many of the features and I'm happy to be supporting a Canadian company. I wish I didn't have to reconnect the banks so often but I understand that is a bank issue and not something within Waypoint's control. They make it easy to reconnect so that's good.
Jared Friesen
Great with Canadian bank. The user interface is great. Budget tool is perfect.
Tony S Pietromonaco
Great product and excellent customer service
Valerie
I'm a senior with a bit of bookkeeping experience from long ago. That's relevant because I am thrilled to bits that I have found Waypoint to be so easy to use. Of course, there is a learning curve, but between Waypoint themselves and ChatGPT, I've been able to navigate the whole thing. I highly recommend Waypoint -- it's designed for Canadians, which is huge for me, and designed with privacy integrity as well.
Seif Allaoua
Impressive, it really surpassed my expectations, and I am usually a difficult customer when it comes to technology solutions. As a computer engineer myself, and a two weeks customer, I can already tell that the team at WayPoint did a fantastic work on this, despite Canadian banks having legacy and conservative methods of interacting with third parties. Two weeks in, I have already started seeing improvement in the way I manage my finances and I am able to forecast what's coming in savings, spending and reaching long term financial goals. A true five star solution. Thank you
De-anna Lea
I’m really liking waypoint. I have been using EveryDollar for the last 6 yrs and switched over last month. I like the analytics and set up has been fairly easy. Bit of a learning curve with rollover accounts but that’s user error I’m fairly sure. Really like all the options.
Max
I've been using Waypoint Budget mainly to manage a single account, and it handles everything far better than other competitors on the market. The built-in AI is honestly the best part. It makes tracking expenses and managing my account completely effortless. It saves so much manual work. Highly recommend if you want a clean app with AI that actually works!
Viona Smith
Fantastic app to use. Developers are super helpful, provide and take great honest feedback. Really trying to make this app even more amazing then it already is. So happy I found it.
Maxime
Great interface and support for banks.
Noor Soultan
I looked and downloaded a lot of budgeting apps but this one is my fav. Its so easy to upload transaction my problem was connecting my bank to the app but now i just upload screen shots directly
Ryan Plester
Great budgeting tool for less money than others. The dashboard is particularly insightful
Georgette
I have been looking for a way to budget as I look move towards retirement. I had tried YNAB, MINT, and a few others, but found them too complicated. Many of the apps have very dark interfaces which is off putting to me. When I came upon Waypoint Budget, the first thing I liked was the clean look of the website. It is easy to navigate between the different tools - budget, categories, transactions, etc. I was able to connect my bank easily. I now actually enjoy keeping track of my finances. The tool is great, but the service is even better. I had a couple of questions and when I wrote to the website creator, he connected with me within hours, sometimes minutes. He is awesome to work with and has even taken a suggestion I made to make the website even better. He is constantly striving to meet the needs of his clients. I gladly signed up for a year. Check out Waypoint Budget. You will not be disappointed.
Barbara Whittaker
Wonderful experience excellent customer support and product!!
Fargo6
what makes this a 5 star app is the few issues that arose or that I was confused about such as importing transactions and linking banks. I contacted the developer and they messaged back quickly that they implemented fix's for my issues and to retry it. this to me is a very active development team that cares about the product they are selling. 5 star for trust.
Kristin Gyuran
New to this app and love it. I really appreciate how you can interact with the creators to ask questions and recommend improvements. I find it easy to use and it syncs with my bank easily. Would highly recommend to anyone wishing to be more mindful with their money.
Byra Dineshkumar
As someone who is still a beginner when it comes to personal finance and budgeting, I've found Waypoint to be incredibly helpful in terms of making the process of tracking expenses and learning how to budget less daunting. I haven't upgraded to being able to sync banking transactions just yet, but even the process of manually entering my expenses, and having a clear visual of where I'm at and my goals has been empowering. I especially love the dashboard, the user interface is easy to navigate. Excited to continue to explore the different features Waypoint has to offer, and to see the platform grow as whole :)
Kerem
Great budgeting app with very active development team! I've been using it for over 5 months and very happy with the user experience. The paid feature to use Plaid to sync bank transactions is worth considering on its own. Filters credit card payment and receive transactions well enough by itself and provides a lot of customization.
Mathieu Thériault
Great canadian financial planning application. Focuses on what's important, lots of potential and delivers on most of it, the rest will come as they are updating the application steadily on what matters most. Support is superb, quick, detailed, with troubleshooting steps and possible solutions as soon as the first message.
Jared Friesen
Great with Canadian bank. The user interface is great. Budget tool is perfect.
J.P. Métivier
Outstanding product built by an attentive and responsive team. By far the best budgeting tool I've tried. I wish they had a referral program because I'm already referring it to my close circle.
Chad
This is the best Canadian budgeting platform I've used so far. I've tried many other budgeting platforms, but always ended up going back to my spreadsheets-until now. the layout is clean and intuitive, and its incredibly simple and efficient to use. waypoint budget finally gives me everything i liked about with my spreadsheets, without the hassle.
Valerie
I'm a senior with a bit of bookkeeping experience from long ago. That's relevant because I am thrilled to bits that I have found Waypoint to be so easy to use. Of course, there is a learning curve, but between Waypoint themselves and ChatGPT, I've been able to navigate the whole thing. I highly recommend Waypoint -- it's designed for Canadians, which is huge for me, and designed with privacy integrity as well.
James W
One of the best budgeting apps I've used. Not unnecessarily invasive, functional, adaptable. Developing and updating faster than the issues can annoy you. Canadian made is also a huge bonus. Keep up the stellar work team!
Leon Gongola
the subscriptions tracking love how it automates and fills in by itself without having me to manually input each transaction every time good transaction tracking, I love the budgeting feature helps to see what payments are coming up and how much is you fixed total cost per month.
De-anna Lea
I’m really liking waypoint. I have been using EveryDollar for the last 6 yrs and switched over last month. I like the analytics and set up has been fairly easy. Bit of a learning curve with rollover accounts but that’s user error I’m fairly sure. Really like all the options.
Max
I've been using Waypoint Budget mainly to manage a single account, and it handles everything far better than other competitors on the market. The built-in AI is honestly the best part. It makes tracking expenses and managing my account completely effortless. It saves so much manual work. Highly recommend if you want a clean app with AI that actually works!
Viona Smith
Fantastic app to use. Developers are super helpful, provide and take great honest feedback. Really trying to make this app even more amazing then it already is. So happy I found it.
Maxime
Great interface and support for banks.
Noor Soultan
I looked and downloaded a lot of budgeting apps but this one is my fav. Its so easy to upload transaction my problem was connecting my bank to the app but now i just upload screen shots directly
Ryan Plester
Great budgeting tool for less money than others. The dashboard is particularly insightful
Georgette
I have been looking for a way to budget as I look move towards retirement. I had tried YNAB, MINT, and a few others, but found them too complicated. Many of the apps have very dark interfaces which is off putting to me. When I came upon Waypoint Budget, the first thing I liked was the clean look of the website. It is easy to navigate between the different tools - budget, categories, transactions, etc. I was able to connect my bank easily. I now actually enjoy keeping track of my finances. The tool is great, but the service is even better. I had a couple of questions and when I wrote to the website creator, he connected with me within hours, sometimes minutes. He is awesome to work with and has even taken a suggestion I made to make the website even better. He is constantly striving to meet the needs of his clients. I gladly signed up for a year. Check out Waypoint Budget. You will not be disappointed.
Barbara Whittaker
Wonderful experience excellent customer support and product!!
Fargo6
what makes this a 5 star app is the few issues that arose or that I was confused about such as importing transactions and linking banks. I contacted the developer and they messaged back quickly that they implemented fix's for my issues and to retry it. this to me is a very active development team that cares about the product they are selling. 5 star for trust.
Kristin Gyuran
New to this app and love it. I really appreciate how you can interact with the creators to ask questions and recommend improvements. I find it easy to use and it syncs with my bank easily. Would highly recommend to anyone wishing to be more mindful with their money.
Byra Dineshkumar
As someone who is still a beginner when it comes to personal finance and budgeting, I've found Waypoint to be incredibly helpful in terms of making the process of tracking expenses and learning how to budget less daunting. I haven't upgraded to being able to sync banking transactions just yet, but even the process of manually entering my expenses, and having a clear visual of where I'm at and my goals has been empowering. I especially love the dashboard, the user interface is easy to navigate. Excited to continue to explore the different features Waypoint has to offer, and to see the platform grow as whole :)
Kerem
Great budgeting app with very active development team! I've been using it for over 5 months and very happy with the user experience. The paid feature to use Plaid to sync bank transactions is worth considering on its own. Filters credit card payment and receive transactions well enough by itself and provides a lot of customization.
Mathieu Thériault
Great canadian financial planning application. Focuses on what's important, lots of potential and delivers on most of it, the rest will come as they are updating the application steadily on what matters most. Support is superb, quick, detailed, with troubleshooting steps and possible solutions as soon as the first message.
Jared Friesen
Great with Canadian bank. The user interface is great. Budget tool is perfect.
J.P. Métivier
Outstanding product built by an attentive and responsive team. By far the best budgeting tool I've tried. I wish they had a referral program because I'm already referring it to my close circle.
Chad
This is the best Canadian budgeting platform I've used so far. I've tried many other budgeting platforms, but always ended up going back to my spreadsheets-until now. the layout is clean and intuitive, and its incredibly simple and efficient to use. waypoint budget finally gives me everything i liked about with my spreadsheets, without the hassle.
Valerie
I'm a senior with a bit of bookkeeping experience from long ago. That's relevant because I am thrilled to bits that I have found Waypoint to be so easy to use. Of course, there is a learning curve, but between Waypoint themselves and ChatGPT, I've been able to navigate the whole thing. I highly recommend Waypoint -- it's designed for Canadians, which is huge for me, and designed with privacy integrity as well.
James W
One of the best budgeting apps I've used. Not unnecessarily invasive, functional, adaptable. Developing and updating faster than the issues can annoy you. Canadian made is also a huge bonus. Keep up the stellar work team!
Leon Gongola
the subscriptions tracking love how it automates and fills in by itself without having me to manually input each transaction every time good transaction tracking, I love the budgeting feature helps to see what payments are coming up and how much is you fixed total cost per month.
Adam Cabral
Very helpful budget tracker! Highly recommend.
Khalil Redd
So far love the app!! It’s very efficient and does an excellent job of defining and labeling transactions. Anything it struggles with it flags and allows you to label it yourself and it remembers that for future similar transactions. Also it updates well
Justin Miller
I've been looking for an effective tool since Mint shutdown. Although there's some app glitches still being sorted out, Waypoint is 100% the best option I've had available to me!
T. D.
The program is great, but what sets it apart are two things: 1) When you need any questions answered, they answer by email within the same day. and 2) They are always upgrading their system with new features!
Alex Anna
In-depth analysis of my finance. Visual and easy to use. The best app.
Robert & Linda Johnstone
Waypoint is very user friendly with a clean and simple user interface. It's super helpful and gives great insight into household finances.
Ayla Bee
A great replacement for MINT and more intuitive than MINT was!
Helene
The book mark version has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app... (as of July 2026)... time will tell how that compares.
Mike
This app makes budgeting and tracking your money simple. It is intuitive and well developed. But what really makes this app head and shoulders above other apps is the developers desire to make it better. Not only did they reply back to questions I had about certain functions (I find it rare that app developers even respond to emails or messages), they made changes to the app to address these issues. Amazing!!
Jodi Harbarenko
What an incredible find Waypoint Budget is! I used MINT for well over a decade before it ended, and then switched to YNAB for a couple of years as there seemed to be nothing else available to Canadians. While I liked some aspects of YNAB, it was very expensive and was pretty frustrating to work with in some of its features. I stumbled on Waypoint after asking the internet if any new alternatives were around, and it suggested this great program. Not only is it Canadian, but the price is far better than YNAB, the features are more straightforward to work with (more like MINT used to be), and its founder and designer is incredibly supportive with any questions I have. He has responded right away to any questions or problems I am facing and always makes sure I have everything working as it should be. He is even open to new suggestions of features that I enjoyed in YNAB that are missing in Waypoint and is always improving his program with new changes! It's so amazing to see it evolving. I ended my YNAB subscription and am very happy with my experience thus far with Waypoint. I have the PRO version and have my banks connected to download transactions, and I love that categorizing is straightforward and the dashboard gives me a clear picture of what I've spent in each category and what remains. I know Jamal, the founder, is working with bank connections to make them easier to refresh, but the workaround he gave me is perfect and works like a charm. I give this budgeting program five stars and would say it is worth its value as a life-long budget geek--but also because it is a young Canadian software developer who brought it into being! Incredible program and very worth the trial... and subsequent subscription!
Stevie Baker
Waypoint is amazing. It's intuitive and easy to use. It allows you to set goals, track budget lines, group things together into categories and shows pie charts of the percentages of your budget. You can set goals and feel completely in control and informed. It's an excellent budgeting app the the customer service is second to none.
Shannon Talarico
So far so great!!! Coming from a different budgeting app to this one I am really happy with the layout and simplicity/intuitiveness of the various tabs and views. I like so many of the features and I'm happy to be supporting a Canadian company. I wish I didn't have to reconnect the banks so often but I understand that is a bank issue and not something within Waypoint's control. They make it easy to reconnect so that's good.
Sabine
If you’re looking for a Canadian-made budgeting solution, look no further. Waypoint is easy to use, even for a budgeting novice — the layout and functionality just make sense, and there’s an app as well. Best of all, if you ever have questions, you get a real human to help you out quickly. Thank you!
Johnny D.
It's a really great tool to get you started on your budgeting journey. Easy to understand and navigate, easy to customize. On top of that they have rapid customer service - when I had questions they would respond within 24h-48h. Impressive stuff! Keep doing what you're doing.
Tony S Pietromonaco
Great product and excellent customer service
Ahmed H.
Just what I was looking for. Pulls transactions directly from my canadian bank accounts (works great for scotiabank and cibc), simple and clean design, ability to budget, track and compile reports on spending per category/month/year etc. Best such product out there for Canadians.
Jacques Persoons
Finally find an app that suits all our needs. Quite Simple to use and very intuitive. I tried few other apps that were WAY TO COMPLICATED! It is also well adapted for Canadians. Customer service is also top of the line…
Seif Allaoua
Impressive, it really surpassed my expectations, and I am usually a difficult customer when it comes to technology solutions. As a computer engineer myself, and a two weeks customer, I can already tell that the team at WayPoint did a fantastic work on this, despite Canadian banks having legacy and conservative methods of interacting with third parties. Two weeks in, I have already started seeing improvement in the way I manage my finances and I am able to forecast what's coming in savings, spending and reaching long term financial goals. A true five star solution. Thank you
Adam Cabral
Very helpful budget tracker! Highly recommend.
Khalil Redd
So far love the app!! It’s very efficient and does an excellent job of defining and labeling transactions. Anything it struggles with it flags and allows you to label it yourself and it remembers that for future similar transactions. Also it updates well
Justin Miller
I've been looking for an effective tool since Mint shutdown. Although there's some app glitches still being sorted out, Waypoint is 100% the best option I've had available to me!
T. D.
The program is great, but what sets it apart are two things: 1) When you need any questions answered, they answer by email within the same day. and 2) They are always upgrading their system with new features!
Alex Anna
In-depth analysis of my finance. Visual and easy to use. The best app.
Robert & Linda Johnstone
Waypoint is very user friendly with a clean and simple user interface. It's super helpful and gives great insight into household finances.
Ayla Bee
A great replacement for MINT and more intuitive than MINT was!
Helene
The book mark version has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app... (as of July 2026)... time will tell how that compares.
Mike
This app makes budgeting and tracking your money simple. It is intuitive and well developed. But what really makes this app head and shoulders above other apps is the developers desire to make it better. Not only did they reply back to questions I had about certain functions (I find it rare that app developers even respond to emails or messages), they made changes to the app to address these issues. Amazing!!
Jodi Harbarenko
What an incredible find Waypoint Budget is! I used MINT for well over a decade before it ended, and then switched to YNAB for a couple of years as there seemed to be nothing else available to Canadians. While I liked some aspects of YNAB, it was very expensive and was pretty frustrating to work with in some of its features. I stumbled on Waypoint after asking the internet if any new alternatives were around, and it suggested this great program. Not only is it Canadian, but the price is far better than YNAB, the features are more straightforward to work with (more like MINT used to be), and its founder and designer is incredibly supportive with any questions I have. He has responded right away to any questions or problems I am facing and always makes sure I have everything working as it should be. He is even open to new suggestions of features that I enjoyed in YNAB that are missing in Waypoint and is always improving his program with new changes! It's so amazing to see it evolving. I ended my YNAB subscription and am very happy with my experience thus far with Waypoint. I have the PRO version and have my banks connected to download transactions, and I love that categorizing is straightforward and the dashboard gives me a clear picture of what I've spent in each category and what remains. I know Jamal, the founder, is working with bank connections to make them easier to refresh, but the workaround he gave me is perfect and works like a charm. I give this budgeting program five stars and would say it is worth its value as a life-long budget geek--but also because it is a young Canadian software developer who brought it into being! Incredible program and very worth the trial... and subsequent subscription!
Stevie Baker
Waypoint is amazing. It's intuitive and easy to use. It allows you to set goals, track budget lines, group things together into categories and shows pie charts of the percentages of your budget. You can set goals and feel completely in control and informed. It's an excellent budgeting app the the customer service is second to none.
Shannon Talarico
So far so great!!! Coming from a different budgeting app to this one I am really happy with the layout and simplicity/intuitiveness of the various tabs and views. I like so many of the features and I'm happy to be supporting a Canadian company. I wish I didn't have to reconnect the banks so often but I understand that is a bank issue and not something within Waypoint's control. They make it easy to reconnect so that's good.
Sabine
If you’re looking for a Canadian-made budgeting solution, look no further. Waypoint is easy to use, even for a budgeting novice — the layout and functionality just make sense, and there’s an app as well. Best of all, if you ever have questions, you get a real human to help you out quickly. Thank you!
Johnny D.
It's a really great tool to get you started on your budgeting journey. Easy to understand and navigate, easy to customize. On top of that they have rapid customer service - when I had questions they would respond within 24h-48h. Impressive stuff! Keep doing what you're doing.
Tony S Pietromonaco
Great product and excellent customer service
Ahmed H.
Just what I was looking for. Pulls transactions directly from my canadian bank accounts (works great for scotiabank and cibc), simple and clean design, ability to budget, track and compile reports on spending per category/month/year etc. Best such product out there for Canadians.
Jacques Persoons
Finally find an app that suits all our needs. Quite Simple to use and very intuitive. I tried few other apps that were WAY TO COMPLICATED! It is also well adapted for Canadians. Customer service is also top of the line…
Seif Allaoua
Impressive, it really surpassed my expectations, and I am usually a difficult customer when it comes to technology solutions. As a computer engineer myself, and a two weeks customer, I can already tell that the team at WayPoint did a fantastic work on this, despite Canadian banks having legacy and conservative methods of interacting with third parties. Two weeks in, I have already started seeing improvement in the way I manage my finances and I am able to forecast what's coming in savings, spending and reaching long term financial goals. A true five star solution. Thank you
4.6/5 on Trustpilot