Waypoint Budget Planner App

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.