Say it or type it. The details fill in for you. Tap the new + button and enter a purchase in one line, like "Dunkin for 3.50 on my Visa". Waypoint Budget fills in the amount, payee, date and category for you to check. The full form is still there whenever you want it. Also new: • Budget and Categories are now one page, with groups to sort your categories into. • Repeating expenses: change a whole series at once, and repeat every 6 months or on your own schedule. • Switching from Monarch? Import your budget and transactions during setup. • When a bank connection is having trouble, the app tells you what's happening and what you can do while you wait.

Minor Update: Your Waypoint Budget icon now matches your Home Screen. Switch your iPhone to Dark or Tinted and the icon changes with it, instead of staying bright white at night!

Fixed: on iPhones running iOS 27, Waypoint Budget closed as soon as you opened it. It opens normally again.

Know what you can spend, before you spend it Safe to Spend It is the 18th and you are wondering whether dinner out is fine or whether rent is going to hurt. Safe to Spend answers that with one number: what is left after the expenses coming up before your next payday and the savings you have promised yourself. Nothing to set up. It learns your recurring expenses from your own history. Weekly and bi-weekly pay for now. Money Coach 2.0 "Why was August so expensive?" "How much do I spend on takeout?" Ask in plain words and get the answer with a chart, in a chat that is faster and easier to read. AI stays off until you turn it on, and only sees your data when you do. A faster first week The first hour with a budgeting app decides whether you keep using it. New users now get a short setup and a checklist on the dashboard that walks through connecting a bank, bringing in history, and setting a first budget. Coming from YNAB? The importer is right on the front page and keeps working while you finish setting up. Sort transactions your way, once Tired of fixing the same coffee shop every week? Write a rule once and every matching transaction lands in the right category, now and in the future. Each transaction shows the rule that sorted it, so nothing is a mystery. And when a transfer between your own accounts is not caught automatically, you can link it yourself. Your banks, less fuss - Reconnecting a bank pulls in fresh transactions right away, with a clear syncing state so you know it worked - Started tracking an account by hand while you waited to connect it? It now merges into the connected account, history included - Closed an account? Mark it closed and it stops cluttering your lists - Bank cards redesigned, sortable, and showing each account's real name and its latest transaction date - Plain-language messages when a bank is temporarily down on the provider's side Bring everything with you, or take it with you - Bigger imports, better reading of PDF statements and CSV files, and import straight into a connected account if its feed ever pauses - A rebuilt export so your data is always yours See where the money went - Income reports, your top merchants, and how spending has trended over time - Goals that fund themselves on your schedule, with a chart of your progress Also fixed - Repeat transactions remember what you usually pay a merchant and notice when something is recurring - The keyboard no longer hides the field you are typing in on iPhone - You stay signed in on iOS instead of being asked every week - Smoother scrolling on Mac - Dozens of smaller fixes from your reports. Keep them coming: support@waypointbudget.com

Unlock with Face ID - You can now lock Waypoint Budget behind Face ID or Touch ID. Turn it on in your Profile under Privacy & Security, and the app will ask for it whenever you open it on this device. You stay signed in underneath, so there is no password to type. Fixes - Reopening the app after it had been in the background could send you to Safari instead of back into the app. Fixed. - On Mac, text and controls now render at their intended size, the sign-in screen uses the wider two-panel layout, and a black band no longer appears under the page when typing with a hardware keyboard.

Safe to Spend (Beta) A new card at the top of your dashboard answers the question that matters mid-month: how much can I spend right now? It takes the cash you have, subtracts the expenses due before your next payday and anything you set aside, and shows you what is left. Your recurring expenses are learned from your own transaction history, so it works even if you have never entered one, and it handles pay that changes from one payday to the next. Also new since the last update: Recurring expenses found for you. Waypoint Budget now spots repeating charges straight from your transactions, keeps up when your bank renames them, and lays out the week ahead day by day. Split as you go. Split a transaction while you are adding it, undo a split, add a note, and see split categories right in your list. Manual accounts that keep up. Import a CSV or PDF statement into a manual account and its balance can update to match, with a preview before you commit. Transfers move manual balances too. Income that changes. Variable income is supported throughout, including next expected payday dates that feed into your calendar. Calendar and reports. The calendar follows your budget month to month, marks what is already paid, handles yearly and every-two-month expenses, and shows each day's net cash flow. Reports now let you pick any single month. Needs Review. A dashboard card that gathers the transactions Waypoint Budget was not confident about, so tidying up happens in one place. Smarter categorization. Better merchant coverage, cleaner descriptions, and fewer transactions landing in Uncategorized. Extra attention went to US merchants, and transfers between your own accounts are handled better. Faster and steadier. Transactions load much faster on long histories, loading states are cleaner across the app, and bank connections are more reliable. Found something off? Tell us at support@waypointbudget.com.

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!

- Rate Waypoint Budget without leaving the app - Bank sync reliability improvements: syncs now recover automatically after your bank reissues account details - Faster transaction list refresh after syncing - Bug fixes and polish