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
Best Finace Tracking app I have used in canada so far
the subscriptions tracking love how it automates and fills in by itself without having me to manually input each transaction every time good transaction tracking, I love the budgeting feature helps to see what payments are coming up and how much is you fixed total cost per month.
Finally!
I have been looking forever for a budgeting app that works for me! I have just been using a spreadsheet because I didn’t like any of the options out there, but Waypoint has everything I have been looking for: easy to use, simple interface, colourful charts, easy to see tracking in each category, lots of customization for type of budget(annual, monthly, rollover, auto contributions for each category), phone version and desktop version. Thank you developers for making something that actually is usable in day to day living!
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Great app
We’ve been using this app for the last couple months and it has been super great. Only one little glitch in connecting with our bank one time. Great way to keep track of your spending and a nice budgeting tool.
Best budgeting app to change your life
I've been using it for 3 months and my life changed for the better. User friendly, goal oriented, proudly made in Canada. The founders are open to suggestions. I requested a feature and it was implemented a few days after.
Easy to use
This app is pretty good for keeping your finances organized, and connecting it to some banks can be a bit tricky, but customer service can help you out with that. If you're looking for a simple way to manage your money, this app is definitely worth a try.
Garbage App
The most inconvenient
Response from developer
Sorry Waypoint Budget frustrated you, that's not the experience we want anyone to have. We'd genuinely like to fix whatever you ran into. Please send us a message at support@waypointbudget.com. We reply to everything, usually same day.
👍
As a student, I feel like i’m always overspending money that I don’t have LOL but I have really reeled in my spending ever since I started using this and have been staying on track with my budget! I just wish there was a phone widget so I could have access to the app more easily though.
Best Budgeting Tool
I love this app to budget my finances. My favs are setting up goals to see how I progress every month towards my goal of saving up money and for going on vacation trips. Also, I love the budget breakdown part where I can see how much of my food and fun money eats into my savings
Bookmark or App…?
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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