Waypoint Budget Planner App
Waypoint Budget Planner App is #39 in Finance Grossing in Canada and charting in 1 of 16 countries we track.
DeveloperWaypoint Budget Inc.
CategoryFinance
PriceFree
Released
Rating★ 4.8 (38)
Version1.2.0
Age rating4+
First charted🇨🇦 25 Sep 2026
Where it ranks now
Every top chart it appears in across 16 countries.
| Country | Chart | Rank |
|---|---|---|
| 🇨🇦 Canada | Finance · Grossing | #39 |
Members see more
Sign inEstimated downloads and revenue, ratings momentum, rank history, recent reviews per country and breakout scores for Waypoint Budget Planner App.
About Waypoint Budget Planner App
Waypoint Budget is a simple budgeting app and expense tracker for Canadians who want clarity, not complexity. See what you can safely spend today, build real savings, and reach your goals.
No overwhelming dashboards. No selling your data. Just a budget planner with the tools to manage your money with confidence.
WHAT YOU GET
- Safe to Spend
The number you want mid-month. Waypoint Budget takes the cash you have, subtracts the expenses due before your next payday and anything you set aside, and shows what is left. It learns your recurring expenses from your own history.
- Budget planner that works the way you think
Monthly budgets, category budgets, or rollover budgets. Group related categories into one shared total, and set a different amount for any month ahead.
- Automatic expense tracking with bank sync
Sync transactions from 10,000+ banks in Canada (via Flinks) and the US (via Plaid). Works with RBC, TD, Scotiabank, BMO, CIBC, Tangerine, EQ Bank and most credit unions. Read-only and encrypted, we never store your password.
- Smart categorization that learns
Transactions sort themselves into your categories and learn from your corrections. Split one as you enter it, or write your own rules.
- No bank connection needed
Track cash and manual accounts by hand, and update a balance by importing a statement. Every budgeting feature works without a bank.
- Import anything
Moving from another app or catching up on paper? Import CSV files, PDF statements, even photos of receipts. Cleaned, categorized, and duplicate-checked. On every plan.
- AI Money Coach
Ask your finances anything and get insights, breakdowns, and charts on demand. AI is optional and only sees your data when you turn it on.
- Savings goals that stick
An emergency fund, a home, paying off debt. Watch progress over time.
- Expenses and subscriptions
Recurring expenses, subscriptions, and income on a clean monthly calendar, so you spot the ones you forgot about.
- Income the way you are paid
Salary, freelance, rental, or pay that changes every cheque. Track each source and see your next payday on the calendar.
- Net worth tracker
Watch your full picture grow, and track contributions against annual limits for TFSA, RRSP, FHSA, RESP, 401k, and IRA.
- Budgeting for couples and families
Shared budgets, joint goals, category-level transparency, and a privacy toggle for your balances.
- Reports, alerts, and your own dashboard
Spot trends and spending leaks, get alerts before a category goes over, and arrange your dashboard yourself.
- Made in Canada, built for Canada and the US
Both currencies, regional accounts and pricing, and budget profiles side by side. Your data is stored on secure servers in Canada. Works on phone, tablet, and browser, always in sync.
PRIVACY FIRST
Funded by your subscription, not by selling your data. Read-only bank connections. Encrypted in transit. No third-party ads.
PLANS
- Free: Manual budgeting, expense tracking, imports, goals, calendar, basi
No overwhelming dashboards. No selling your data. Just a budget planner with the tools to manage your money with confidence.
WHAT YOU GET
- Safe to Spend
The number you want mid-month. Waypoint Budget takes the cash you have, subtracts the expenses due before your next payday and anything you set aside, and shows what is left. It learns your recurring expenses from your own history.
- Budget planner that works the way you think
Monthly budgets, category budgets, or rollover budgets. Group related categories into one shared total, and set a different amount for any month ahead.
- Automatic expense tracking with bank sync
Sync transactions from 10,000+ banks in Canada (via Flinks) and the US (via Plaid). Works with RBC, TD, Scotiabank, BMO, CIBC, Tangerine, EQ Bank and most credit unions. Read-only and encrypted, we never store your password.
- Smart categorization that learns
Transactions sort themselves into your categories and learn from your corrections. Split one as you enter it, or write your own rules.
- No bank connection needed
Track cash and manual accounts by hand, and update a balance by importing a statement. Every budgeting feature works without a bank.
- Import anything
Moving from another app or catching up on paper? Import CSV files, PDF statements, even photos of receipts. Cleaned, categorized, and duplicate-checked. On every plan.
- AI Money Coach
Ask your finances anything and get insights, breakdowns, and charts on demand. AI is optional and only sees your data when you turn it on.
- Savings goals that stick
An emergency fund, a home, paying off debt. Watch progress over time.
- Expenses and subscriptions
Recurring expenses, subscriptions, and income on a clean monthly calendar, so you spot the ones you forgot about.
- Income the way you are paid
Salary, freelance, rental, or pay that changes every cheque. Track each source and see your next payday on the calendar.
- Net worth tracker
Watch your full picture grow, and track contributions against annual limits for TFSA, RRSP, FHSA, RESP, 401k, and IRA.
- Budgeting for couples and families
Shared budgets, joint goals, category-level transparency, and a privacy toggle for your balances.
- Reports, alerts, and your own dashboard
Spot trends and spending leaks, get alerts before a category goes over, and arrange your dashboard yourself.
- Made in Canada, built for Canada and the US
Both currencies, regional accounts and pricing, and budget profiles side by side. Your data is stored on secure servers in Canada. Works on phone, tablet, and browser, always in sync.
PRIVACY FIRST
Funded by your subscription, not by selling your data. Read-only bank connections. Encrypted in transit. No third-party ads.
PLANS
- Free: Manual budgeting, expense tracking, imports, goals, calendar, basi
Latest updates
1.2.0
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: [email protected]