Waypoint Budget
by Waypoint
Budgeting app with an AI Money Coach
Reviewed by the the30top research team · Last reviewed 2026-10-27
Overview
Waypoint combines budgeting with an AI Money Coach you can message about your spending. Free includes 5 Money Coach messages per day and one linked bank, Plus is $7.99 per month or $79.99 per year, and Pro is $12.99 per month or $129.99 per year, with a 7-day trial on paid plans. The vendor says it uses Plaid and Flinks, encrypts with AES-256 and never sells data, but the free tier caps coach use and bank links.
Our verdict
An approachable budgeting app with a free AI coach. Check the caps against how much you plan to use it.
Best for
Budgeters in the US or Canada who want an AI coach on a free plan.
Avoid if
You need investment tracking or deep reporting.
Pros
- Free plan with the AI coach
- Covers US and Canada
- Lower price than many rivals
Cons
- Free caps messages and banks
- Newer product with a smaller track record
- Mobile and web details vary by plan
Key capabilities
Frequently asked questions
Is Waypoint free?
Yes. The free plan includes 5 Money Coach messages per day and one linked bank.
How much do paid plans cost?
Plus is $7.99 per month or $79.99 per year. Pro is $12.99 per month or $129.99 per year.
Does Waypoint sell my data?
The vendor says it never sells data and uses Plaid and Flinks for bank links.