Waypoint Budget Planner App Downloads & RevenueWaypoint Budget Planner App · App Store
Waypoint Budget Planner App is #13 in Finance Grossing in Canada and charting in 1 of 30 countries we track.
Updated 9 Nov 2026 · rankings refresh through the day
DeveloperWaypoint Budget Inc.
CategoryFinance
PriceFree
Released
Rating★ 4.8 (70)
Version1.5.0
Age rating4+
First seen by us
25 Sep 2026
25 Sep 2026Waypoint Budget Planner App update history & changes
Last change · 18 events since 5 Jul 2026Full timeline ↓📦Updated to version 1.5.0✏️Added hidden keywords: spending, expenses✏️Added hidden keywords: made📦Updated to version 1.4.2🆕First spotted by AppInsider🆕Released on the App Store
Full timeline · 18 events
- 📦Waypoint Budget Planner App updated to version 1.5.0Catch up in one tap, pay down debt on a schedule, and see how every goal is doing.
New transactions
Open the app after a busy week and the transactions you have not looked at yet are marked New, with a count on the Transactions tab. Turn on Show only new to work through them, then Mark all as seen. If you would rather not see the marks, there is a switch in Settings.
Debt goals with a payment schedule
Set the minimum and what you plan to pay each week, every two weeks or every month, and the goal shows the payoff date with interest counted in. If the planned payment is too low to ever clear the balance, it says so.
Goal Progress, on the dashboard and in the widget
Every goal now reads Ahead, On track or Behind by two months at a glance, with its target date. The Goals widget on your Home Screen shows the same status.
Payments that reach the accounts you track by hand
A car loan or a credit card you keep by hand, paid from a connected chequing account? Open the payment, choose Paid into, and the loan or card balance moves too. Hand-kept assets and debts also keep a balance history now, with the same sparkline and this-month change as a bank account on Net Worth.
Light, Dark or Auto
Settings has an Auto theme that follows your phone through the day.
Household
Members can reorder, edit and archive the categories they brought into the household budget. One rule per merchant for the whole household, so nobody files the same store twice. The owner can let members use Connected assistants with the shared budget.
Smarter rules
A correction now sticks to the store, not to "PayPal" or the bank's "Purchase" wording. A rule on Apple or Google no longer catches every purchase paid with your phone's wallet.
Banks
When a reconnect fails, Try via Flinks switches that connection on the spot instead of using a second one. Bank notices appear on the bank's own card.
Also in this update
- Split a transaction evenly or by percentage, and set rules that split a shared card automatically
- Rename transactions in bulk, with name suggestions as you type
- Calendar: mark a past-due expense as paid by a specific transaction, and see when a recurring expense went up, with the old price
- Reports: pick any date range; Fixed vs Flexible leads with the chart
- Linked Transfer: search for the other half by amount or name
- Shorter Settings rows and regrouped sections on phones
- Account chips show the account name instead of the last four digits
- Statement imports show the duplicate check even with AI off
- A draw from a line of credit into chequing reads as Loan Draw or Cash Advance, and you can flip a pair's direction
- Security and reliability updates to the app itself… more - ✏️Waypoint Budget Planner App added hidden keywords: spending, expenseswords in the App Store's hidden keyword field (found by probing search)
- ✏️Waypoint Budget Planner App added hidden keywords: madewords in the App Store's hidden keyword field (found by probing search)
- ✏️Waypoint Budget Planner App added hidden keywords: financialwords in the App Store's hidden keyword field (found by probing search)
- ✏️Waypoint Budget Planner App: app got bigger36 MB → 41 MB (+13%)
- 📦Waypoint Budget Planner App updated to version 1.4.2Double tap to log
Tap the back of your iPhone twice, say what you bought, like "4.50 coffee", and it's in your budget. The app never opens. A card confirms the amount and category, and Bank sync won't double it up later.
Set it up in Profile, then Integrations, then Double tap to log. On iPhone 15 Pro and newer, the Action button works too. Got it wrong? "Hey Siri, undo my last expense in Waypoint" within 15 minutes.
Also in this version: small fixes.… more - 📦Waypoint Budget Planner App updated to version 1.4.1Widgets for everyone:
• Home Screen and Lock Screen widgets now work on every plan, Free included. Upcoming Charges comes with Plus, and Net Worth with Pro.
• Widgets no longer get stuck on “Open Waypoint Budget” after you sign in again.
• Widgets only ever show the numbers of the person signed in on this iPhone.
• On Free, tapping Income vs Expenses opens your dashboard.
• Bug fixes and smaller improvements.… more - ✏️Waypoint Budget Planner App: description updated· CA
- ✏️Waypoint Budget Planner App: new iPad screenshots· CA
- ✏️Waypoint Budget Planner App: new screenshots9 screenshots (was 9) · CA
- 📦Waypoint Budget Planner App updated to version 1.4.0Widgets are here, plus everything new since our last update:
• 12 Home Screen and Lock Screen widgets: Safe to Spend, This Month, Category Breakdown, Upcoming Expenses, Calendar, Actual Spending, Income vs Expenses, Upcoming Charges, Goals, Accounts, Net Worth, and a one-tap Quick Add. Long-press a widget and tap Edit Widget to choose what it shows.
• Unlimited bank connections on Pro. Connect every bank you use, and one Pro plan covers your whole household.
• Turn on Show spending on the Budget page to see what's left in each category, right under its budget.
• Importing from Monarch now brings your account balance history too.
• Rules can now fix past transactions too.
• Rollover categories can count the whole year, fund themselves on your payday, and move their start month either way.
• Transaction names are now optional.
• Ask about your budget in ChatGPT: install Waypoint Budget from its plugin directory.
Widgets show your numbers on Waypoint Plus and Pro, and Net Worth on Pro. The Quick Add widget works on every plan.… more - 📦Waypoint Budget Planner App updated to version 1.3.0Say it or type it. The details fill in for you. Tap the new + button and enter a purchase in one line, like "Tims for 4.50 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.… more - 📦Waypoint Budget Planner App: now updating weekly4 updates in 30 days, after a quiet two months
- 📦Waypoint Budget Planner App updated to version 1.2.2Minor 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!
- 📦Waypoint Budget Planner App updated to version 1.2.1Fixed: on iPhones running iOS 27, Waypoint Budget closed as soon as you opened it. It opens normally again.
- 🆕Waypoint Budget Planner App first spotted by AppInsider#39 in Top Grossing · Finance · Canada
- 📦Waypoint Budget Planner App version 1.2.0Know 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]… more - 🆕Waypoint Budget Planner App released on the App Store
Collected from the stores by AppInsider since we first spotted the app. Dates are when we saw each change.
Rating
4.8 ★
70 ratings
Measured
Best rank now
#13
Finance GrossingMeasured
New ratings a week
4.5
▲ +22% vs the 2 weeks before
Measured
Waypoint Budget Planner App on the App Store
App details
App ID
6781432747
Publisher
Waypoint Budget Inc.
On the store since
Jul 2026
Under a year
Minimum OS
iOS 15.0+
iPhone 6s and later
Devices
iPhone · iPad
Universal purchase
Content rating
4+
Languages
1
EN
Size
41 MB
Also listed in
Productivity
Where it ranks now
Every top chart it appears in across 30 countries.
| Country | Charts | Rank |
|---|---|---|
| Canada | FinanceGrossing | #13 |
Apps near Waypoint Budget Planner App on the chart
Finance Grossing, around #13.
Ratings
App Store, worldwide.
Rating
4.8 ★
70 ratings
Measured
Ratings
70
Measured
Review momentum
ⓘ How we measure thisNew ratings a week
4.5
▲ +22% vs the 2 weeks before
Lifetime rating
4.9★
recent stars not readable yet: new ratings are a tiny share of the total
Review momentum
61/100
faster than 63% of Finance apps
Review momentum (0-100) blends how fast the app collects ratings compared with other apps in its category (60%), whether that pace is speeding up (25%) and what recent raters give it (15%; recent stars well below lifetime pull it down). Ratings counts are read daily. A jump usually means a launch, a feature, ads or a new review prompt.
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.
- Widgets for your Home Screen and Lock Screen
Safe to Spend, your month, budgets, upcoming expenses, goals, and balances at a glance. Choose what each widget shows.
- Budget planner that works the way you think
Monthly budgets, category budgets, or rollover budgets. Group related categories into one shared total, set a different amount for any month ahead, and see your past spending before you pick a number.
- Bank sync with 10,000+ banks
Sync transactions from banks in Canada (via Flinks) and the US (via Plaid), including RBC, TD, Scotiabank, BMO, CIBC, National Bank, Desjardins, Tangerine, EQ Bank and most credit unions. Read-only and encrypted, we never store your password. Pro includes unlimited bank connections.
- Quick Add and smart categorization
Type or say a purchase and the details fill themselves in. Transactions sort into your categories, learn from your corrections, and rules can fix past ones too.
- No bank connection needed
Track cash and manual accounts by hand. Every budgeting feature works without a bank.
- Import anything
Moving from Monarch, another app, or paper? Import your history, 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, in the app or from ChatGPT and Claude. 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 and see when you will get there.
- Expenses, subscriptions, and income
Recurring expenses, subscriptions, and every paycheque, steady or not, on one monthly calendar, so nothing sneaks up on you.
- 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, and a privacy toggle for your balances. One Pro plan covers your household's bank connections.
- Reports, alerts, and your own dashboard
Spot spending leaks, get alerts before a category goes over, and arrange your dashboard.
- Made in Canada, built for Canada and the US
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 transi
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.
- Widgets for your Home Screen and Lock Screen
Safe to Spend, your month, budgets, upcoming expenses, goals, and balances at a glance. Choose what each widget shows.
- Budget planner that works the way you think
Monthly budgets, category budgets, or rollover budgets. Group related categories into one shared total, set a different amount for any month ahead, and see your past spending before you pick a number.
- Bank sync with 10,000+ banks
Sync transactions from banks in Canada (via Flinks) and the US (via Plaid), including RBC, TD, Scotiabank, BMO, CIBC, National Bank, Desjardins, Tangerine, EQ Bank and most credit unions. Read-only and encrypted, we never store your password. Pro includes unlimited bank connections.
- Quick Add and smart categorization
Type or say a purchase and the details fill themselves in. Transactions sort into your categories, learn from your corrections, and rules can fix past ones too.
- No bank connection needed
Track cash and manual accounts by hand. Every budgeting feature works without a bank.
- Import anything
Moving from Monarch, another app, or paper? Import your history, 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, in the app or from ChatGPT and Claude. 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 and see when you will get there.
- Expenses, subscriptions, and income
Recurring expenses, subscriptions, and every paycheque, steady or not, on one monthly calendar, so nothing sneaks up on you.
- 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, and a privacy toggle for your balances. One Pro plan covers your household's bank connections.
- Reports, alerts, and your own dashboard
Spot spending leaks, get alerts before a category goes over, and arrange your dashboard.
- Made in Canada, built for Canada and the US
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 transi
Latest updates
1.5.0
Catch up in one tap, pay down debt on a schedule, and see how every goal is doing.
New transactions
Open the app after a busy week and the transactions you have not looked at yet are marked New, with a count on the Transactions tab. Turn on Show only new to work through them, then Mark all as seen. If you would rather not see the marks, there is a switch in Settings.
Debt goals with a payment schedule
Set the minimum and what you plan to pay each week, every two weeks or every month, and the goal shows the payoff date with interest counted in. If the planned payment is too low to ever clear the balance, it says so.
Goal Progress, on the dashboard and in the widget
Every goal now reads Ahead, On track or Behind by two months at a glance, with its target date. The Goals widget on your Home Screen shows the same status.
Payments that reach the accounts you track by hand
A car loan or a credit card you keep by hand, paid from a connected chequing account? Open the payment, choose Paid into, and the loan or card balance moves too. Hand-kept assets and debts also keep a balance history now, with the same sparkline and this-month change as a bank account on Net Worth.
Light, Dark or Auto
Settings has an Auto theme that follows your phone through the day.
Household
Members can reorder, edit and archive the categories they brought into the household budget. One rule per merchant for the whole household, so nobody files the same store twice. The owner can let members use Connected assistants with the shared budget.
Smarter rules
A correction now sticks to the store, not to "PayPal" or the bank's "Purchase" wording. A rule on Apple or Google no longer catches every purchase paid with your phone's wallet.
Banks
When a reconnect fails, Try via Flinks switches that connection on the spot instead of using a second one. Bank notices appear on the bank's own card.
Also in this update
- Split a transaction evenly or by percentage, and set rules that split a shared card automatically
- Rename transactions in bulk, with name suggestions as you type
- Calendar: mark a past-due expense as paid by a specific transaction, and see when a recurring expense went up, with the old price
- Reports: pick any date range; Fixed vs Flexible leads with the chart
- Linked Transfer: search for the other half by amount or name
- Shorter Settings rows and regrouped sections on phones
- Account chips show the account name instead of the last four digits
- Statement imports show the duplicate check even with AI off
- A draw from a line of credit into chequing reads as Loan Draw or Cash Advance, and you can flip a pair's direction
- Security and reliability updates to the app itself
1.4.2
Double tap to log
Tap the back of your iPhone twice, say what you bought, like "4.50 coffee", and it's in your budget. The app never opens. A card confirms the amount and category, and Bank sync won't double it up later.
Set it up in Profile, then Integrations, then Double tap to log. On iPhone 15 Pro and newer, the Action button works too. Got it wrong? "Hey Siri, undo my last expense in Waypoint" within 15 minutes.
Also in this version: small fixes.
1.4.1
Widgets for everyone:
• Home Screen and Lock Screen widgets now work on every plan, Free included. Upcoming Charges comes with Plus, and Net Worth with Pro.
• Widgets no longer get stuck on “Open Waypoint Budget” after you sign in again.
• Widgets only ever show the numbers of the person signed in on this iPhone.
• On Free, tapping Income vs Expenses opens your dashboard.
• Bug fixes and smaller improvements.
Store changes
What Waypoint Budget Planner App changed on its store page: name, icon, screenshots, price, size, languages, requirements.
App got bigger
36 MB → 41 MB (+13%)
Description updated
New iPad screenshots