Worth the subscription
I’ve been looking for a Canadian alternative to apps like Monarch which has become expensive subscriptions themselves post the Mint era because of the pricing in USD. Waypoint sits right at the sweet spot for me in terms of value for money. I can see this app getting it right in terms of what someone like me would want out of a budgeting app. I’m also glad with the fast support I get if I have a question or a feature idea.
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Easy to use
This app really helped me out with my monthly expenses i highly recommend it
Best Financial Planning app for Canadians
This is truly a great app. I have tried every personal financial management app on the market and IMO this is the best for Canadians. Love it - hope it sticks around.
My favorite budgeting app
Landed on this app after trying all the ones available on the market, this is by far my favorite! I love how easy it is to use, it has the best import experience with automated categories, detection of transfers, finds recurring transactions, everything is smooth and easy to use. It gives a lot of data and insights about where your money is going.
Even though it is very “simple”, the wide range of customization and flexibility in setting up budgets and tracking makes this app suitable for almost anyone even if you have many accounts across several banks, a flexible income, unexpected spends, everything can be handled!
The developers and support team are also very responsive and open to new ideas so the app is in constant improvement. Bonus point: it’s Canadian! Highly recommended if you want a straightforward way to get understanding on your money and start budgeting.
Even though it is very “simple”, the wide range of customization and flexibility in setting up budgets and tracking makes this app suitable for almost anyone even if you have many accounts across several banks, a flexible income, unexpected spends, everything can be handled!
The developers and support team are also very responsive and open to new ideas so the app is in constant improvement. Bonus point: it’s Canadian! Highly recommended if you want a straightforward way to get understanding on your money and start budgeting.
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Bookmark or App…?
Update: app is even better! Plus, they just introduced multiple bank access, included in the regular plan (Pro not needed) - even better!
Over the last two months, the bookmark version (via their website) has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app… (as of July 2026)… time will tell how it compares; I’ll update my review in a a month or two!
Over the last two months, the bookmark version (via their website) has proven to be so helpful in managing my money in a simple format that is easy to review and edit - along with subscribing to access one financial institution ($8/month CAD) to track my accounts - while the goals dashboard keeps me on track to paying down debt. Now they have finally created an app… (as of July 2026)… time will tell how it compares; I’ll update my review in a a month or two!
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Best app ever!
Such a great app. Easy to use … seamless bank connection. Must try!
I never reviewed anything but this app is awesome
This app is so helpful to get my family organized between multiple incomes, bank accounts. I was also pleased it works with Canadian banks (I had issues connecting to US popular apps). And the UI/UX is soooo good- easy to navigate and just pleasant to use. Thank you for creating it and no doubt you’ll be even more successful🔥
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Budgeting
I have been using this for 4 months now. Easy to use and if you have a question a real person gets back to you! Excellent product and it is Canadian! Love it
Transactions not updating
The latest transactions are not getting pulled. They seem to be few days behind. Also, is there a chance support for Sunlife will be added in the future?
Finally a budget app that clicks
**★★★★★** Bank sync is what sold me on Waypoint — transactions pull in automatically and stay accurate, so I never have to manually enter expenses. Makes tracking spending effortless and reliable. Highly recommend.
Great budget app
I love the app. They constantly make changes and it keeps getting better. Good response from developers addressing issues quickly.
Easy to use app!
Honestly one of the cleanest budgeting apps I’ve ever tried, I’ve tried several when trying to pick one and this has been the most seamless and easiest to use and understand. I use manual importing because I don’t trust screen scraping, HOWEVER once open banking becomes a real thing, I fully intend on signing up for the pro subscription and linking everything to waypoint. Even without bank linking the app is very well made, looking forward to continue using waypoint and signing up for the paid memberships in the future!
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Does the Job!
At first I was hesitant with this app but after working through a few areas I love it. It does what I need and keeps track of everything. There is no guessing when it comes navigating expenses once you input all your data. I love that it’s a Canadian app! Costumer service is also great if you have questions or need help! Try it out. You won’t regret your purchase!
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Great budget app
I love the app but there is one thing that really annoys me, having to authenticate every week or so! It’s on a tablet or a phone, I shouldn’t have to re-login all the time. At least, enable touch/Face ID.
Response from developer
Thank you for the honest review, and sorry about the weekly sign-ins! You were right that something was off. We have this fixed this, so no app update is needed. You may be asked to sign in one more time, and after that you should stay signed in for months. Face ID lock is also already available under More, then Settings, then Your Data, if you would like the extra layer without re-entering your password! Happy Budgeting, Jamal & Florencia Co-Founders, Waypoint Budget
Very happy with this Canadian YNAB alternative
I’ve been using Waypoint for several months as I’ve migrated over from YNAB, and I’m very pleased with it. For one thing it looks fantastic, with a sleek, adult interface, and the support for Canadian banks and mortgage schedules is a definite improvement over YNAB - not to mention the price! I’m on the lower paid tier which gives me everything I need for a single-person household with only one bank to sync. I did have an issue where the app was forcing me to input my bank credentials from scratch every few days, so I reached out to the support team who replied almost instantly and said I’d helped them find a bug, and I’ve had no issues since then. Occasionally I have to sync twice to get all my credit card transactions to load, but I suspect that’s down to my bank and not the app. Obviously they can’t match the educational ecosystem YNAB offers, but the chatbot feature has been exceptionally helpful for comparing and contrasting the two apps and their different philosophies, and helping me make the switch fairly painlessly. I did try the migrate feature and it worked well, though I ended up starting over from scratch once I had a handle on things and took the opportunity to streamline my budget. The receipt scanning feature is quick and accurate, and I’m quite pleased with the smart categorization. I was doing everything manually on YNAB because of hassles with Canadian bank syncing, and Waypoint feels almost effortless to use by contrast. Thanks team!
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Constantly Improving
Very happy with this app. It’s working really well for me and my wife, especially with a joint account and our own accounts. The customer service is outstanding as they always respond to my questions or when I have any issues. The best part is that they are constantly finding ways to improve the app and add functionalities.
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Simple and useful
A very handy and easy-to-use app for keeping track of my budget and expenses. Clean, straightforward, and does exactly what I need. Highly recommended!
Finallly!!!!! You’re the one we’ve been waiting for
Now I don’t have to build an app because you have done it. I’ve been looking for the perfect budgeting app and I just downloaded it but this is soo perfect! Can’t wait to see all you’ll achieve with it.
Good bank linking
Honestly didn’t expect my Scotia credit card to link so easily but it did, along with RBC. That was the main thing for me, every other app I tried always failed for me. Nice simple design too, and I like that it’s based in Canada.
On the fence
Transactions often do not sync. Have to reconnect banks multiple times. Want to love this app because it has potential.
Response from developer
Hi V.Trimble, sorry about this, and thank you for the honest review. The reconnecting problem was real and we found the cause on our end: BMO's data feed to our connection provider went down last week, so we have moved BMO onto a new route that is working. Write in through Help and Support in the app and I will sort your account personally and make sure it stays connected. We would love to earn the remaining three stars! Jamal / Co-Founder, Waypoint Budget
