Simple, Transparent Pricing

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.

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.

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.