Waypoint BudgetWaypoint Budget

Budgeting Made Simple

Track every dollar, build real savings, and take control of your money.

No credit card required · 2-minute setup

User
User
User
User

Everything a Budget App Should Do

All the budgeting tools you need to succeed, without the complexity.

Automatic Bank Sync

Transactions sync in real time. No manual entry.

Chase Bank

Chase Bank

12 new transactions

Just now
Bank of America

Bank of America

Checking · Savings

Syncing
Wells Fargo

Wells Fargo

Credit card · 4127

2m ago
Capital One

Capital One

Venture card

5m ago
Add account10,000+ banks supported

Net Worth

8.3% this year
$56,800+$4.2k

$14.2k

Checking

$9.8k

Savings

$24.5k

401(k)

Smart Money Coach

Advice tailored to your spending.

How can I save more?

3 ways to save:

  • • Cut dining 20%−$85
  • • Cancel unused subs−$24
  • • Auto-transfer savings
Potential savings$109/mo

Your Data, Protected

We never see your bank passwords.

SSL EncryptedSOC 2Plaid + Flinks

Bank-Level Encryption

Encrypted in transit & at rest

Zero Credential Storage

We never see your passwords

Read-Only Access

No one can move your money

Powered by

PlaidFlinksClerk

Subscriptions

$47.98/mo
Netflix

Netflix

Renews Jul 20

$15.99
Spotify

Spotify

Renews Jul 28

$11.99
2 more found$20.00

Automatic Bank Sync

Transactions sync in real time. No manual entry.

Chase Bank

Chase Bank

12 new transactions

Just now
Bank of America

Bank of America

Checking · Savings

Syncing
Wells Fargo

Wells Fargo

Credit card · 4127

2m ago
Capital One

Capital One

Venture card

5m ago
Add account10,000+ banks supported

Net Worth

8.3% this year
$56,800+$4.2k

$14.2k

Checking

$9.8k

Savings

$24.5k

401(k)

Smart Money Coach

Advice tailored to your spending.

How can I save more?

3 ways to save:

  • • Cut dining 20%−$85
  • • Cancel unused subs−$24
  • • Auto-transfer savings
Potential savings$109/mo

Your Data, Protected

We never see your bank passwords.

SSL EncryptedSOC 2Plaid + Flinks

Bank-Level Encryption

Encrypted in transit & at rest

Zero Credential Storage

We never see your passwords

Read-Only Access

No one can move your money

Powered by

PlaidFlinksClerk

Subscriptions

$47.98/mo
Netflix

Netflix

Renews Jul 20

$15.99
Spotify

Spotify

Renews Jul 28

$11.99
2 more found$20.00

Financial Goals

Chase Bank

Projections, tracking & milestones.

Chase Payoff

$893remaining
$0
TodayJul 2026

Calendar View

July 2026

Bills & subscriptions at a glance.

SMTWTFS
1R
2
3
4
5Netflix
6
7
8
9Spotify
10
11
12
13
14
15Disney+G
16
17
18
19
20
21YouTube
22
23
24
25
26H
27
28
29
30
31

For Couples

Most

Personal + shared views in one tap.

Rent$850
Groceries$234
Car Payment$574
Utilities$132
Left to spend$1,410
Private to you

Monthly Reports

12%

Spending vs. budget over time.

Jul
Aug
Sep
Oct
Nov
Dec

Smart Categorization

Auto-tags every transaction.

Starbucks

$6.40

Walmart

$84.12

Amazon

$32.99

Spotify

$11.99

Dark Mode

Easy on the eyes.

Recurring Bills

Rent

Due Jul 1

$1,800
Netflix

Netflix

Due Jul 5

$15.99

CSV Import

Drop a file. We handle the rest.

bank_nov_2024.csv

Nov 1 – Nov 30 · 12 KB

Household

Maya
Maya$4,200
Jordan
Jordan$3,800

Financial Goals

Chase Bank

Projections, tracking & milestones.

Chase Payoff

$893remaining
$0
TodayJul 2026

Calendar View

July 2026

Bills & subscriptions at a glance.

SMTWTFS
1R
2
3
4
5Netflix
6
7
8
9Spotify
10
11
12
13
14
15Disney+G
16
17
18
19
20
21YouTube
22
23
24
25
26H
27
28
29
30
31

For Couples

Most

Personal + shared views in one tap.

Rent$850
Groceries$234
Car Payment$574
Utilities$132
Left to spend$1,410
Private to you

Monthly Reports

12%

Spending vs. budget over time.

Jul
Aug
Sep
Oct
Nov
Dec

Smart Categorization

Auto-tags every transaction.

Starbucks

$6.40

Walmart

$84.12

Amazon

$32.99

Spotify

$11.99

Dark Mode

Easy on the eyes.

Recurring Bills

Rent

Due Jul 1

$1,800
Netflix

Netflix

Due Jul 5

$15.99

CSV Import

Drop a file. We handle the rest.

bank_nov_2024.csv

Nov 1 – Nov 30 · 12 KB

Household

Maya
Maya$4,200
Jordan
Jordan$3,800

10,000+

Banks Across North America

Securely connect to any financial institution through our partnerships with Plaid and Flinks

7,000+US Banks
3,000+CA Banks
256-bitEncryption
ChaseTDRBCBank of AmericaWells FargoBMOScotiabankCiti

You're in good company

Don't take our word for it. See what people are saying about us on Trustpilot.

Jodi Harbarenko
Byra Dineshkumar
Stevie Baker
Jared Friesen
Johnny D.

Trusted by 6,000+ budgeters

Simple, Transparent Pricing

Start free, upgrade when you're ready. All paid plans include a 7-day free trial.

Free
Perfect for getting started
$0/month

Free forever, no credit card needed

Unlimited manual transactions
All budget categories
Savings & debt goals
Budget calendar & recurring items
Smart categorization
Money Coach (5 messages/day)
Most Popular
Plus
Everything you need to budget smarter
7-Day Free Trial
US$7.99/month

or US$79.99/year (save 17%)

No charge until trial ends

Everything in Free, and:

Auto bank sync (1 connection)
Unlimited Money Coach
Advanced reports & cash flow forecast
Smart spending summaries

Secure payment via Stripe

Cancel anytime. No questions asked.

Pro
For power users & households
7-Day Free Trial
US$12.99/month

or US$129.99/year (save 17%)

No charge until trial ends

Everything in Plus, and:

Auto bank sync (5 connections)
Net worth tracking
401(k), IRA & tax-advantaged account tracking
Household budgeting

Secure payment via Stripe

Cancel anytime. No questions asked.

47% cheaper than YNAB · Premium features at affordable pricing

Got Questions?

Is this budgeting app really free?
Yes, Waypoint is a completely free budget app! Unlimited transactions (add manually, scan receipts, or upload CSV files), all budget categories, Money Coach (5 messages/day), and unlimited transaction history. No credit card required.
Do I need to provide my bank credentials?
No, our Free plan requires no bank connection - you can add transactions manually, scan receipts or bank statements for automatic extraction, or upload CSV files from your bank. Bank sync (automatic transaction import) is optional (Plus/Pro only) via encrypted Plaid and Flinks connections.
Is my financial data secure?
Your data is encrypted both in transit (TLS) and at rest (AES-256) on secure cloud infrastructure. Bank credentials are handled by our SOC 2 certified providers (Plaid and Flinks) — we never see or store your login details. We never sell your data to third parties, and you can delete your account and all data anytime.
Which banks are supported?
10,000+ financial institutions through Plaid and Flinks - including Chase, Bank of America, Wells Fargo, Citi, US Bank, PNC, Capital One, and thousands more across the United States.

What Makes Us Different?

Built by two people who struggled with budgeting apps that felt like homework

Privacy first

Revenue from subscriptions, not selling your data.

Team of two

Not a corporation. Bootstrapped and independent.

Simple by design

No overwhelming dashboards or features.

Smart when you need it

Personalized guidance and insights.

Budgeting Anywhere You Go

Waypoint Mobile App

iOS & Android

Download the app on iPhone or Android and keep your budget in your pocket, always in sync with the web.