What's New in Waypoint Budget

Importing a CSV or PDF statement into a manual account can now update the account's balance to match, with a live preview of the new number before you commit. Transfers can move manual balances too. Set the In or Out direction on a transfer and the account balance follows. A big one for anyone who budgets with manual accounts.

Does your income change from paycheque to paycheque? Variable income is now better supported throughout the app, including "next expected payday" dates that feed right into your calendar so you can plan around when money is coming in.

The calendar now follows your budget month by month. A few more touches: hover over a day to see its net cash flow (money in minus money out), already-paid bills are clearly marked, and yearly payments display correctly. Expenses that repeat every two months are supported too, so bi-monthly schedules finally show up right.

We spent a good chunk of this week improving how your transactions get named and sorted. We also filled a lot of gaps in our merchant list, with extra attention on US brands for our American users. The result: fewer transactions landing in Uncategorized, and less tidying up after each sync.

A handful more fixes and improvements you may notice this week:

Your dashboard is now yours to arrange. Resize, reorder, and rearrange your cards to put what matters most front and center. It works on both mobile and desktop. We've also added some new cards that pull in information from other pages, like Reports, so you can see more without leaving home.

Your Money Coach just got an upgrade. It's now up to speed on all the newer features we've shipped recently, so its advice is more relevant than ever. Best of all, it can now create charts for you, turning your questions into clear visuals right in the chat.

Your categories can now work as a team. Bundle related ones like Groceries, Dining, and Coffee into a single "Food" budget and track them together. Cook more one month, dine out the next. It all comes from the same total.

Not every month looks the same, so now your budget can flex with it. Set a different amount for any month ahead, like a bigger grocery budget in December or a one-off car bill in March. Future you is already covered.

Your money, your definitions. In Reports, you can now mark any category as fixed or flexible yourself, so your spending breakdown reflects how you think about your finances.

You can now break your income into sources, like salary, rental income, or freelance work, and track each one separately. Your budget and reports pick them up automatically, so you can finally see not just what you earned, but where it came from.

You can manage your income sources anytime by going to the budget page, then categories, then find them under the income group. Once they're set up, just pick a source when you add or edit an income transaction, and your reports do the rest.

Got a long, flat list of categories? Waypoint Budget can now organize it for you. One tap proposes tidy groups like food and bills, and you review everything before it happens.

Your net worth graph now tells the story behind the line. When you add or remove an account, it shows up right on the chart, so a jump in your net worth always has an explanation. Tooltips are smarter too, grouping accounts by institution, and only live accounts are counted in your totals.

Rollover categories can now fund themselves. Choose how each category refills every month, whether it sets aside a fixed amount or tops back up to a target, and Waypoint Budget handles it automatically when the new month starts. A new month strip makes it easy to see where you stand at a glance.

The Household page got a full refresh, and members now have more control. A new privacy toggle lets you keep your bank balances to yourself while budgeting together, and shared goals now show every member's payments in the goal history, so you both always see the full picture.

A handful more fixes and improvements you may notice this week:

You can now reorder and group your sidebar and bottom navigation menu items to suit how you use the app whether on mobile or desktop. Go to the Profile Settings page to manage this.

The Subscriptions page has a cleaner layout, and now includes merchant logos. Real brand logos now pull in automatically, and we've added several missing ones.

The Goals page has been redesigned to help you get the information you need, at a glance. Active and completed goals have a cleaner, nicer UI, the debt payoff timeline now handles long horizons properly, projection charts are improved, and there's a new insights panel to help you understand where you stand.

Manual accounts are now more capable than ever. You can link transactions to a manual account, and the account balance updates automatically as you do. You can import transactions straight into one from a CSV. You can even connect manual accounts to your goals to track progress.

A handful more fixes and improvements you may notice this week:

Waypoint Budget is officially on the App Store and Google Play. The PWA isn't going anywhere, this is just another way to get to us :)

You can now, finally, add accounts manually. Pick an account type (checking, savings, credit, cash, investment, or loan), add your bank, and update the balance whenever you need to.

Manual accounts count toward your net worth and your dashboard balance (you control which ones show). You can also select them when adding/editing transactions or importing statements and receipts. Available on every plan.

Next up for manual accounts: an option for balances to update automatically as you add transactions. Coming soon.

Need more bank connections than your plan includes? You can now purchase additional ones individually. Manage or remove them anytime from your Profile Settings page.

Please note this add-on is only available for Pro users at this time once they cross five connections.

Importing is now a single tap: CSV, bank statement, or receipt photos. Error messages are clearer, so you'll know exactly what to fix. Imports can now also be linked to manual accounts.

A handful more fixes and improvements you may notice this week:

You can now run more than one budget under the same Waypoint Budget account. Perfect for keeping your personal budget separate from a side hustle or business expenses. Switch between them in a tap. Please note that the same bank connections currently in your plan still apply across budgets.

If you scroll through a lot of transactions, the new compact mode shows more on screen at once without losing readability. We also reimagined manual transaction entry from the ground up: a redesigned modal, a cleaner split-transaction dialog, quick-tap category chips, and a shorter form for manual entries, all built to help you budget more efficiently.

We redesigned the Safe to Spend card from scratch. Same feature you know, with a whole new look that matches the rest of the dashboard better.

Tag your transactions however you want. Add tags like "Travel: Italy 2026," "Tax-deductible," or "Reimbursable from work" to any transaction. Customize your tags to suit your needs.

A few real improvements here, including one important fix:

Dozens of small bug fixes flagged by our customers (special shout-out to Rita & Colleen 🙏), and countless tiny UI improvements that add up.

You can now connect any tracked bank account directly to a savings or debt goal. Once linked, the goal automatically reflects your live account balance, so there's no more manually logging contributions. We also improved the projection chart and redesigned the goals card to make everything easier to read at a glance.

The Bank Connections section has been cleaned up with more compact cards and clearer at-a-glance status. A few notable improvements in here: if a bank has a known service issue, you'll now see an inline status notice sourced directly from Flinks in real time, so you always know what's going on without having to wonder.

A few more fixes and improvements you may notice this week:

You can now see how your budgets and category allocations have changed over time. Each month is preserved as a true snapshot, so adjusting your allocations today won't rewrite what past months looked like. Useful for spotting trends and understanding where your money went at a glance.

You can now get a notification when you spend in a category you haven't budgeted for. A small thing that makes a real difference for keeping your budget complete, so nothing slips through the cracks. Totally optional, so you're not constantly getting notifications to your phone.

A handful more fixes and improvements you may notice this week:

When you move money between your own connected accounts, Waypoint Budget now automatically links both sides of the transfer so it doesn't double-count in your budget. Works across Plaid and Flinks accounts, and includes Interac e-Transfer support.

You can now rename any connected account to whatever makes sense to you: "House Money", "Date Night Visa", "Joint Savings". Nicknames show up everywhere across the app, including your dashboard, transaction list, net worth, and reports. Get creative!

You can now add a note to any transaction. Notes for future you, basically. Flag a potential tax write-off, remind yourself to ask about a recurring charge, or just add context you'll be glad you have later. A small icon appears next to the transaction when a note exists.

You can now click any group in the budget breakdown chart to see more details. The donut chart and legend swap to show that group's categories, with smart auto-shading so you can visually distinguish them even when they share a parent colour. Tap the back arrow to return. Works on both the dashboard and budget pages.

A handful more things you may notice this week:

A lot of you have written in over the past few months about fund balances drifting, confusion over when to use a fund vs. a category, and more. We heard you, so we went back to the drawing board. There are no more Funds, just categories, with an optional rollover toggle for the ones that accumulate over time (vacation, emergency, gifts, holidays). One mental model and one place to manage everything.

A few things to note: balances now grow only from real transactions or manual adjustments, no more phantom auto-contributions. Every rollover has a full activity history you can click into and annotate.

A few more improvements you may notice:

A lot of our Canadian users have run into issues connecting certain banks through Plaid (our primary provider), and that's been a consistent pain point we've wanted to solve.

Flinks is a Canadian company based in Quebec that specializes in bank connectivity and has stronger Canadian bank support. If you've been struggling to connect with RBC, CIBC, or certain credit unions, this is the one you've been waiting for. And if you've had success with Plaid, not to worry, that's not going anywhere! We're just expanding to offer more options.

Our latest feature, Safe to Spend, gives you a quick look at how you're doing this month so far based on your income schedule, and spending so far across your categories. It accounts for upcoming bills, variable income, and your paycheque cadence.

Safe to Spend is designed to give you a quick peek into how you're doing at the moment and if you're on track to meet your budget and goals this month. If you'd rather not have it on your dashboard, no problem, it's also dismissible.

If you've been importing bank statements manually, this one's for you. You can now give your imported account a name (like "BMO Chequing" or "TD Visa") and we'll automatically find and attach your bank's logo.

Your transactions will show up with the right logo, and you can filter and report by account, just like users who connect through Plaid.

This is a big one for those whose banks aren't supported by Plaid yet or if you prefer to sync your bank manually. Your manual imports now feel like a first-class experience.

When connecting a bank, you can now choose how far back to import your transaction history: 3, 6, 12, 24 months, or a custom number. Just tap the gear icon next to the Connect Bank button to open the history picker. A big improvement for new users who want more context than the default 90 days.

For existing users you can just select a longer history if you want and the app should automatically skip existing days and backfill for the missing days.

I can't believe we didn't think of this one before 🫣. The budget calendar now shows your upcoming paydays alongside your bills and expenses. A small change that makes a big difference when you're planning ahead.

A handful of meaningful fixes and improvements you may notice this week:

Household budgeting just got a whole lot smarter. Household members can now switch between their personal budget and a shared household budget in a single tap. Your personal spending stays private, and your partner only ever sees the shared view.

A new profile switcher lets you toggle seamlessly between "My Budget" and your household budget. Budget together without giving up your financial privacy. Perfect for those of you juggling both shared and individual accounts.

Set a target date on any savings or debt goal and Waypoint Budget will automatically calculate the monthly contribution you need to hit it on time. No more guessing, just a clear number to work toward.

If you're already using the goals page and prefer to set a fixed monthly amount instead, that option isn't going anywhere. This is just one more way to plan, whatever works best for you.

Until now, you could track your debts and set aside a monthly amount toward each one. That's a solid start, but it leaves a big question unanswered: am I on track to become debt-free? Debt payoff strategies answers that. Choose a method, and Waypoint Budget builds you a real plan:

You'll see exactly when each debt gets paid off and how much interest you'll save. No more hoping the numbers work out. Just a clear path to debt freedom! (This one is our personal favourite. Thank you TiPoev via FeatureBase for the suggestion!)

You've always had rules that automatically sort your transactions into categories, but now you can view and edit them too! Head to your Profile Settings page to take full control of how your spending gets categorized.

Head to the Profile Settings page to export your financial data in a cleaner, more structured format that opens smoothly in Excel or Google Sheets. Great for power users who like to dig deeper into their numbers (Thank you Matthew via FeatureBase for the suggestion!)

This weekend we did a deep dive QA session and tackled a number of bugs affecting iPhone users specifically. The mobile experience on Safari should feel significantly smoother now.

The mobile experience has been greatly improved. Transaction pages, dialogs, the calendar, animations, the splash screen, buttons have all been redesigned for a smoother, more polished feel. Never tried Waypoint Budget on mobile? There's no better time.

The old help section got a serious upgrade. Meet the new Waypoint Guide: an in-app help chat with smarter answers, page-specific guided tours so you always know where you are and what to do next, FAQ handling, bank troubleshooting with real time bank statuses, and a custom progress bar to keep you on track. Try asking it what tours it can give you!

Waypoint Budget now comes in six curated themes: Classic, Midnight, Amber, Rose, Slate, and Indigo. Each one supports both dark and light mode and syncs across all your devices. Head to your settings to choose your fighter. My personal favourite? Slate 😎

A few quality of life improvements to bank connections this week. US users will now see US banks first on initial connect, sync status badges are clearer, and bank health checking is smarter overall. Less confusion, faster setup.

This has been one of our most requested features. You can now see your complete financial picture in one place.

Track assets, liabilities, and registered accounts (TFSA, RRSP, 401k, Roth IRA) alongside all your linked bank accounts. See how your net worth changes over time with monthly snapshots, historical charts, and a breakdown by account type.

Contribution tracking for registered accounts is coming in the next phase, so you'll be able to monitor your TFSA/RRSP/401k limits and contributions directly in Waypoint Budget.

Net Worth Tracking is now available on the Pro plan.

Reports got a meaningful upgrade this week. They now show historical data instead of just the current month, use actual (instead of estimated) income figures for more accurate breakdowns, and the charts are cleaner and easier to read.

We've heavily updated the auto-categorization logic, making consecutive sync categorization smarter and processing faster. Less time cleaning up transactions, more time knowing where your money went.

A lot of smaller but meaningful improvements across the app this week:

Got a Costco run that's half groceries, half household? You can now split any transaction across multiple categories. Just tap a transaction, hit split, and allocate the amounts. Autocomplete helps you move fast.

Waypoint Budget now sends you a heads-up when you're approaching or over a budget category. No more end-of-month surprises. To get notifications, make sure you've installed Waypoint Budget on your phone or desktop. It takes 30 seconds and works on both iOS and Android.

The subscriptions page got a performance overhaul and a new interactive chart. Tap into any category to drill down. It loads faster and gives you a clearer picture of your recurring spend.

You can now print or save a clean PDF of your monthly spending report. Great for tax season, mortgage applications, or just keeping a paper trail. The layout is optimized for print so it looks good on paper.

You can now get alerts on your phone even when the app isn't open.

What you'll get notified about:

Waypoint Budget is built as a PWA (Progressive Web App), so once you add it to your home screen it looks and feels just like any app from the App Store or Google Play. No download required, no storage space eaten up, and you're always on the latest version.

Categorizing transactions just got smarter! When you set a category for a transaction (say, from Uniqlo), Waypoint Budget will now ask if you want to apply that same category to all past transactions from that merchant too. No more going back and manually updating every single purchase.

This will work for type changes and renaming too.

Your goals just got a whole lot more insightful. Goals now show projected completion dates, suggested contribution amounts, and progress insights so you can see if you're on track. No more wondering whether you'll hit your target on time. Waypoint Budget does the math and keeps you informed every step of the way.

Setting up your budget just got easier. You can now tell Waypoint Budget how often you get paid (weekly, bi-weekly, monthly, etc.), and the app will automatically calculate your monthly income for you. No more manual math or guessing.

It will even do the math on months with an extra paycheque for biweekly and weekly earners so you never miss that bonus 👀

Never miss a newly synced transaction again. When bank transactions sync in, they now get a visible "new" badge so you can quickly spot what just came in and needs attention.

Migrating from YNAB? We've fixed and hardened the budget import process so it now works reliably. If you've been hesitant to make the switch or had issues in the past, you should have a seamless experience now. Your categories, budgets, and data will transfer over smoothly.

Want to speed up your transaction organization? This feature is for you! You can now bulk edit your transactions: add categories, change types, or exclude/include multiple transactions all at once. It's a real time-saver for your budgeting workflow.

To try it out, head to your Transactions page and click "Bulk Edit" at the top. Select the transactions you want to edit, and all available actions will appear at the bottom of your screen.

This one's just for fun! Try clicking the sun icon to switch between dark mode and light mode and see what happens. I won't spoil the surprise, but there's a playful animation involved. 🤭

Rearranging your budget categories but already assigned transactions to one? No problem! Before you delete a category, Waypoint Budget will ask if you want to move those transactions to another category first. It's super easy.

Ever noticed how your bank CSV imports or Bank Syncs have those cryptic transaction descriptions? You know the ones - "[OP]ONLINE PURCHASE 31JAN2026SKIPTHEDISHES MB" when all you want to see is "SkipTheDishes"?

Your transactions now display clean, readable merchant names automatically whether they're imported from CSV, synced manually, or pulled in through auto-syncs. Transaction names that finally make sense!

Your #1 most requested feature is finally here! Organize your budget categories into collapsible groups like "Housing", "Food & Dining", and "Lifestyle", fully customizable and optional.

No more inflated spending numbers. Mark expenses as reimbursable and log reimbursements that credit back to the original category instead of showing up as income.

Two quality-of-life improvements that make Waypoint Budget feel more like home.

Account Balances: See your current bank balances right inside Waypoint Budget - no more switching to your banking app to check. Just make sure to enable it in the bank connections tab.

Custom Category Colours: Pick any colour you want with our new colour wheel. No more being stuck with 10 presets.

Migrating from YNAB? You can now bring over your entire YNAB budget structure with just a few clicks. No need to manually recreate categories, set amounts, or lose your setup.

When you first sign in, you'll see setup options on your dashboard. Just select "Import from YNAB" and upload your YNAB ZIP file as is.

Visit on your phone and add to home screen. Works offline, way faster, feels like a native app. No more hunting for browser tabs.

Got multiple accounts? You'll now see exactly which account each transaction hit. Super helpful for tracking business vs personal spending.

Owner needs a Pro account but everyone else joins free. Perfect for those who want to manage their finances with their better halves or family.

Find manual updating of goals annoying? You can now link transactions to goals contributing towards it.

Imports are smarter than ever. You don't need to be a Plus user in order to enjoy all the benefits. Drop a screenshot or upload your bank statement and we'll extract the transactions automatically. Way faster than manual entry.

Rebuilt the logic to automatically detect subscriptions, improved categorization, and way more accurate income tracking.

If you've ever wished you could budget with your partner or family instead of separately, this is for you. One of our most requested features.

Household Sharing is part of the Pro plan. Only the household owner needs Pro, all invited members get free access.

Over the past few weeks, I kept hearing the same request: "I need to connect more than 1 bank."

You were right. One wasn't enough.

So we just launched Waypoint Pro.

If you're already on Plus and need more connections, upgrading takes one click from the Bank connections tab. Your trial time gets credited automatically.

That's it. No catch. You asked, we listened, we built it.