FitBudget vs Waypoint Budget Planner App

Tired of wondering where your money goes? FitBudget is a private budget planner and expense tracker built around zero-based budgeting. Plan your income, track spending, and give every dollar a job before it is gone. Budget manually with no account, no ads, and no cloud storage required. FitBudget is designed for people who want a simple, private way to manage money without handing over more personal data than necessary. PRIVACY-FIRST BUDGETING Your budget data stays encrypted on your device with AES-256. Manual budgeting works fully offline, so you can start planning without creating an account. Bank linking is optional with FitBudget Pro and is available through Plaid in the US and Canada. WHY CHOOSE FITBUDGET? • Zero-based budgeting: Plan every dollar intentionally with a clean setup for beginners and experienced budgeters. • Expense tracking: Create categories for housing, food, transportation, bills, debt, savings, and more. • Savings goals: Track debt payoff, vacations, emergency funds, or long-term savings with simple visual progress. • Private by design: Use the free manual budgeting tools without ads, accounts, or cloud storage. • Free forever basics: Start budgeting manually without a subscription. FITBUDGET PRO FitBudget Pro adds optional automation and insights for users who want faster tracking and deeper spending visibility. $4.99 per month or $49.99 per year with a 7-day free trial. • Bank linking via Plaid: Securely sync transactions and detect recurring payments in the US and Canada. • Smart insights: Understand spending patterns and improve habits using zero-based budgeting principles. • Recurring transaction tracking: Track bills and subscriptions to simplify planning. • Deeper analytics: View charts, trends, and category insights for better financial awareness. BUILT FOR SIMPLE, PRIVATE BUDGETING FitBudget was built by a Marine veteran dad who turned a budgeting notebook into an app to help people budget simply and securely. Start building better money habits today. NOTES The free version includes everything needed for manual budgeting. FitBudget Pro adds optional automation and insights. Subscriptions renew automatically unless canceled. Manage subscriptions in the App Store. Prices are in USD and may vary by region. Privacy Policy: https://fitfinancedad.com/fitbudget-privacy-policy/ Terms of Use: https://fitfinancedad.com/fitbudget-terms-of-service/

Waypoint Budget is a simple budgeting app and expense tracker for people 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. Your recurring expenses are learned from your own history, so it works even if you never set one up. - Budget planner that works the way you think Monthly budgets, category budgets, or rollover budgets. Group related categories into one shared total, and set a different amount for any month ahead. - Automatic expense tracking with bank sync Sync transactions from 10,000+ banks in the US (via Plaid) and Canada (via Flinks). Read-only and encrypted, we never store your banking password. - Smart categorization that learns Transactions sort themselves into your categories and learn from your corrections. Split one as you enter it, or write your own rules. - No bank connection needed Track cash and manual accounts by hand, and update a balance by importing a statement. Every budgeting feature works without a bank. - Import anything Moving from another app, or catching up on paper? Import 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. AI is optional and only sees your data when you turn it on. - Savings goals that stick An emergency fund, a home, paying down debt. Watch progress over time. - Expenses and subscriptions Recurring expenses, subscriptions, and income on a clean monthly calendar, so you spot the ones you forgot about. - Income the way you are paid Salary, freelance, rental, or pay that changes every paycheck. Track each source and see your next payday on the calendar. - Net worth tracker Watch your full picture grow, and track contributions against annual limits for 401k, IRA, Roth IRA, HSA, TFSA, and RRSP. - Budgeting for couples and families Shared budgets, joint goals, category-level transparency, and a privacy toggle for your balances. - Reports, alerts, and your own dashboard Spot trends and spending leaks, get alerts before a category goes over, and arrange your dashboard cards yourself. - Built for the US and Canada Both currencies, regional accounts and pricing, and separate budget profiles side by side. Works on phone, tablet, and any browser, always in sync. PRIVACY FIRST Funded by your subscription, not by selling your data. Read-only bank connections. Encrypted in transit. No third-party ads. Ever. PLANS - Free: Manual budgeting, expense tracking, imports, goals, calendar, basic reports - Plus: 1 bank connection, unlimited Money Coach, subscription tracking, weekly summaries, advanced reports - Pro: Up to 5 bank connections, net worth, registered accounts (401k, IRA, TFSA, RRSP), household budgeting, multiple profiles BUILT BY TWO, NOT A CORPORATION Bootstrapped and independent, built by two people who found budgeting apps felt like homework. Get started in 2 minutes, no credit card required. SUBSCRIPTION DETAILS Waypoint Plus and Pro are auto-renewable subscriptions, billed monthly or annually. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the current period ends, and your account is charged within 24 hours before renewal. Manage subscriptions and auto-renewal in your Apple Account settings after purchase. Terms of Service: https://waypointbudget.com/terms Privacy Policy: https://waypointbudget.com/privacy Questions? support@waypointbudget.com