For Self-Employed

A Budget That Actually Works
When Your Income Doesn't

Freelancer, contractor, side-hustler, full-time self-employed — Waypoint smooths irregular income, auto-saves for quarterly estimated taxes, and keeps business and personal cleanly separated.

Free forever · No credit card · Built for the way you actually earn

The Big Idea

Budget against an average, not a paycheck

Traditional budgeting apps assume a steady paycheck. When you're self-employed, that's the wrong shape. Waypoint shows you a rolling income average so you can budget consistently across boom and bust months.

Big months auto-fill your buffer
Lean months don't blow up your plan
Net income chart shows the real trend

Income — Last 6 Months

CAD

Avg $4,633
$2,400
$6,800
$3,100
$8,200
$1,900
$5,400
JanFebMarAprMayJun
Smoothed monthly average$0

Budget against the average, not the spikes.

Tax Savings

Auto-allocated 25%

$0

Jun 28 · Client invoice paid+$425
Jun 15 · Project payment+$680
Jun 1 · Retainer+$340
Tax Savings

Never get blindsided by a tax bill again

Set a tax savings goal with an auto-allocation rule. Every time a client pays you, Waypoint silently moves the right percentage into a separate tax fund — so when quarterly estimated taxes hit, the money is already waiting.

Auto-skim 20-30% of every deposit
Track sales tax collected vs. owed
Quarterly reminders for IRS estimated payments
Clean Books

Business and personal, side by side

Tag each merchant as business or personal once and Waypoint remembers forever. Hosting, software, supplies, mileage — all classified automatically. Filter or export by tag whenever you want.

Per-merchant auto-tagging
Export business expenses for Schedule C
Connect personal AND business accounts

Auto-Tagged Transactions

Biz

Adobe CC

Software

-$59.99
Per

Loblaws

Groceries

-$87.42
Biz

AWS

Hosting

-$32.18
Per

Netflix

Entertainment

-$15.99
Biz

Office supplies

Supplies

-$48.20

Everything self-employed budgeting needs

Built around the real shape of freelance and contract income.

Irregular income smoothing

Budget against a rolling 3-month average instead of guessing if next month will be a good one.

Auto tax savings buckets

Skim a % of every deposit into a separate tax fund so you're never scrambling at April 15.

Business vs personal tagging

Tag each transaction as business or personal once — repeat merchants auto-classify forever.

Schedule C-ready exports

Export business expenses by category — ready to drop into Schedule C or hand to your accountant.

AI Money Coach

Ask "what did I spend on hosting last quarter?" and get an answer that already knows sales tax.

Net worth over time

Track your business and personal balances together — the only number that really matters.

More for self-employed budgeters

How to budget on irregular incomeTax season budget planBreaking the paycheck-to-paycheck cycleEmergency fund guide

FAQs

How does Waypoint handle months when I make almost nothing?
+
Waypoint tracks a 3-month rolling income average and lets you budget against that instead of a single month. Big months top up your buffer; lean months draw from it. You stop panicking when one client pays late.
Can Waypoint help me save for quarterly estimated taxes?
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Yes. Create a Tax Savings goal and set an auto-allocation rule like "25% of every deposit goes here." Every invoice payment automatically sets aside the tax portion before you can spend it. When quarterly estimated taxes are due, the money is already there.
Can I separate business expenses from personal?
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Tag any transaction as Business or Personal once and Waypoint remembers for that merchant. You can also tag entire accounts (e.g., your business chequing) so every transaction in them defaults to business. Filter or export by tag.
Does Waypoint export anything I can use for Schedule C?
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Export your business-tagged transactions by category as CSV. Categories map cleanly to Schedule C expense lines — Software, Office, Vehicle, Meals, etc. Hand it to your accountant or import to your tax software.
Is Waypoint accounting software?
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No, and that's intentional. If you need invoicing, payroll, or full bookkeeping, use QuickBooks, Wave, or FreshBooks. Waypoint is a personal-and-business budgeting app — it makes sure you can pay yourself, save for taxes, and not run out of money between invoices. Many freelancers use both.

Get paid. Save for taxes. Sleep better.

Built for the way self-employed money actually moves. Free forever — your business is hard enough.