Waypoint Budget: Planner App

Expense Tracker, Money Manager

Free · In-App Purchases

Budget, track expenses, and reach your goals, all in one simple app. Plan every dollar and manage money without the complexity. Waypoint Budget is a simple budgeting app and expense tracker for people who want clarity, not complexity. Track every dollar, build real savings, and reach your goals. No overwhelming dashboards. No selling your data. Just a budget planner with the tools you need to manage your money with confidence. WHAT YOU GET - Budget planner that works the way you think Monthly budgets, category budgets, or rollover budgets. Set up your budget in minutes. - Automatic expense tracking with bank sync Connect your bank and sync transactions automatically from 10,000+ banks in Canada (via Flinks) and the US (via Plaid). Read-only and encrypted, we never store your banking password. - Smart categorization that learns Transactions sort themselves into your categories automatically, and the app learns from your corrections. Add your own rules for full control. - Import anything Switching from another budgeting app or catching up on paper? Import CSV files, PDF bank statements, even photos of receipts. Everything gets cleaned up, categorized, and checked for duplicates. Included on every plan. - AI Money Coach Ask your finances anything. Get personalized insights, spending breakdowns, and guidance on demand. AI features are optional and only see your data when you turn them on. - Savings goals that stick Build an emergency fund, save for a home, pay down debt. Watch real progress over time. - Bills & subscriptions See bills, recurring expenses, and income on a clean monthly calendar, and spot subscriptions you forgot you were paying for. - Net worth tracker Watch your full financial picture grow over time, including TFSA, RRSP, 401k, and IRA accounts. - Budgeting for couples and families Manage household finances together with shared budgets, joint goals, and full category-level transparency. - Spending reports and insights Spot trends, find spending leaks, and get alerts before a category goes over budget. - Multiple budget profiles Run separate budgets side by side: your personal budget, your household, even a parent's finances you help manage. Canadian and US dollar support, regional accounts, regional pricing, and bank connections through trusted partners (Flinks in Canada, Plaid in the US). Your data is stored on secure servers located in Canada. Works on your phone, tablet, and any browser. Everything stays in sync. PRIVACY FIRST We're funded by your subscription, not by selling your data. Read-only bank connections. Encrypted in transit. No third-party advertising. Ever. PLANS - Free: Manual budgeting, expense tracking, goals, calendar, basic reports - Plus: Adds 1 bank connection, unlimited Money Coach, subscription tracking, weekly spending summaries, advanced reports - Pro: Up to 5 bank connections, net worth tracking, registered accounts (TFSA, RRSP, 401k, IRA), household budgeting BUILT BY TWO, NOT A CORPORATION Waypoint Budget is bootstrapped and independent, built by two people who struggled with budgeting apps that felt like homework. Get started in 2 minutes. No credit card required. SUBSCRIPTION DETAILS - Waypoint Plus and Pro are auto-renewable subscriptions, billed monthly or annually. - Payment will be charged to your Apple Account at confirmation of purchase. - Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period. - Your account will be charged for renewal within 24 hours prior to the end of the current period. - Subscriptions can be managed and auto-renewal turned off in your Apple Account settings after purchase. Terms of Service: https://waypointbudget.com/terms Privacy Policy: https://waypointbudget.com/privacy Questions? support@waypointbudget.com

Ratings & Reviews

  • 4.1
    out of 5
    8 Ratings

New: customize your dashboard. Choose the cards you see and arrange them your way. Plus bug fixes and refinements throughout. Thanks for using Waypoint Budget!

Version 1.0.7

The developer, Waypoint Budget Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Purchases
    • Financial Info
    • Location
    • Contact Info
    • User Content
    • Identifiers
    • Usage Data
    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
  • Waypoint Budget Inc.
Size
  • 29 MB
Category
  • Finance
Compatibility
Requires iOS 15.0 or later.
  • iPhone
    Requires iOS 15.0 or later.
  • iPad
    Requires iPadOS 15.0 or later.
  • iPod touch
    Requires iOS 15.0 or later.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
  • Waypoint Plus $7.99
  • Waypoint Pro $12.99
  • Waypoint Pro $129.99
  • Waypoint Plus $79.99
  • Learn More
Copyright
  • © 2026 Waypoint Budget Inc.
  • Developer Website
  • Privacy Policy

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