Add your bank statements, or let your bank's alerts flow in by themselves. Waypoint files every payment, tells you what's safe to spend until payday, warns you before bills and price rises, and answers questions about your money in plain English. No bank login. No spreadsheet.
Free while Waypoint is in preview. Statement files are read in memory and never stored.
A statement is a list. It doesn't say what you spent on food, which subscriptions crept up, or how much you can spend before payday. Waypoint turns the list into answers, every day.
PDF (including password-locked ones), CSV, Excel or OFX from any bank. Columns, date order, in/out conventions and currency are worked out for you.
Forward statement emails, or send your bank's purchase texts automatically. New spending appears the same day; the statement confirms it later.
Today, this week and until your next salary, after the bills still to come. Rent paid every three months is spread across your pay, not dumped on one.
Bills due, subscriptions renewing, free trials ending, price rises, double charges and budgets running out, on screen and on your phone.
“How much did I spend on food last month?” “Can I afford 400 this week?” Ask in plain words and get your own numbers back.
Goals and emergency fund, debt payoff plans, splitting a bill with friends, a household view of shared accounts only, and challenges that never show amounts.
491 known merchants and bill patterns, your own rules, and optional AI for anything unusual. Fix one and Waypoint remembers.
A merchant charging three times its usual, bank fees and interest, and small purchases quietly adding up.
53 countries out of the box, currencies with 0, 2 or 3 decimals, and your own time zone. Different currencies are never added together.
One statement is enough to see where it went. A few weeks in, Waypoint knows your paydays, your bills and your habits better than you do.
Start free