Monthly vs Waypoint Budget Planner App

Monthly shows you how much money you have left after rent, subscriptions, and other fixed costs. Without having to log every cup of coffee. Simply enter your income, rent, utilities, insurance, and subscriptions. Monthly works out which payments fall within your budget month and shows you at a glance how much you have left to spend. FIXED COSTS WITHOUT THE MATH Whether one-time, monthly, quarterly, or annual, Monthly accounts for your expenses when they’re due. For longer intervals, simply set the exact month and day. YOUR BUDGET, YOUR SCHEDULE Choose when your budget month starts, for example on payday. Carry your monthly budget over to the next month and adjust it as needed. PAYMENT REMINDERS Set reminders for individual expenses to stay on top of important payment dates. CATEGORIES & STATISTICS Organize your expenses into categories like housing, transportation, or leisure. Colors, icons, and clear statistics help you see where your money goes. CSV EXPORT Export your income and expenses as a CSV file to use them outside of Monthly. YOUR BUDGET ON THE HOME SCREEN Keep an eye on your monthly budget with handy widgets, without opening the app. 100% PRIVATE & FREE No ads. No subscription fees. No tracking. Your data stays on your device, with no sign-up, servers, or cloud storage. Monthly is for anyone who wants to plan their finances realistically without keeping a detailed spending log.

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