Float Cashflow vs Waypoint Budget Planner App

Float was built around a simple idea: categorizing every purchase never really helped me, but seeing what I need to pay and whether I’ll make it to my next paycheck did. Float helps you track your balance, upcoming bills, paychecks, and reserve savings in a clean, easy to understand timeline. Instead of focusing on complicated budgeting categories, Float focuses on short term cash flow so you can quickly see what’s coming up and avoid surprises. Features include: • Cash flow forecasting • Upcoming bill and paycheck tracking • Multiple accounts • Reserve and savings goals • Simple, distraction free design • Local storage, your data stays on your device Float is built for people who want clarity without the complexity of traditional budgeting apps.

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. It learns your recurring expenses from your own history. - Widgets for your Home Screen and Lock Screen Safe to Spend, your month, budgets, upcoming expenses, goals, and balances at a glance. Choose what each widget shows. - Budget planner that works the way you think Monthly budgets, category budgets, or rollover budgets. Group related categories into one shared total, set a different amount for any month ahead, and see your past spending before you pick a number. - Bank sync with 10,000+ banks Sync transactions from banks in the US (via Plaid) and Canada (via Flinks). Read-only and encrypted, we never store your banking password. Pro includes unlimited bank connections. - Quick Add and smart categorization Type or say a purchase and the details fill themselves in. Transactions sort into your categories, learn from your corrections, and rules can fix past ones too. - No bank connection needed Track cash and manual accounts by hand. Every budgeting feature works without a bank. - Import anything Moving from Monarch, another app, or paper? Import your history, 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, in the app or from ChatGPT and Claude. 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 and see when you will get there. - Expenses, subscriptions, and income Recurring expenses, subscriptions, and every paycheck, steady or not, on one monthly calendar, so nothing sneaks up on you. - 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, and a privacy toggle for your balances. One Pro plan covers your household's bank connections. - Reports, alerts, and your own dashboard Spot spending leaks, get alerts before a category goes over, and arrange your dashboard. - Built for the US and Canada Both currencies, 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, Quick Add, imports, goals, calendar, basic reports - Plus: 1 bank connection, Home and Lock Screen widgets, unlimited Money Coach, subscription tracking, weekly summaries, advanced reports - Pro: Unlimited 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 monthly or annual subscriptions, charged to your Apple Account at purchase. They renew automatically unless auto-renew is turned off at least 24 hours before the period ends. Manage them in your Apple Account settings. Terms of Service: https://waypointbudget.com/terms Privacy Policy: https://waypointbudget.com/privacy Questions? support@waypointbudget.com