Know where you stand — and when you get there.
What you get
Answers, not just numbers
Goals with a real date
Name what you're saving for and when you need it. Waypoint tracks your pace, projects the date you'll actually get there, and tells you the monthly number that lands it on time.
A runway you can trust
Budgets and recurring bills roll into an honest burn rate and an emergency fund measured in months covered. Investing is excluded from the maths, so the number isn't flattering you.
Property and the loan that bought it
Record the house next to its mortgage. Waypoint amortizes every payment down to the last cent, then tells you your debt-free date and the month your net worth turns positive.
Money you share, money you don't
Invite a partner for one household picture. Private accounts stay private — on every screen, every report, and every export.
One currency, whatever you hold
Assets in any currency, converted at the rates that actually applied on the day. Your net worth reads as one number instead of four.
Returns you can actually judge
TWR, IRR, Sharpe and Sortino computed from your real trades — plus dividends tracked and credited to the right portfolio as they land.
Spreadsheets know today.
Waypoint knows when.
A sheet holds today's balances. It won't convert last March's purchase at last March's rate, amortize a mortgage to its final payment, or warn you that at your current pace the deposit lands eight months late. Waypoint keeps the history and does the arithmetic.
- Historical FX applied at the date of every record
- Amortization schedules down to the final payment
- Dividends tracked and credited to the right portfolio
- Printable reports and a full CSV export, any time
Start with one account and one goal.
That's enough for Waypoint to give you a net worth that's actually current and a date attached to the thing you're saving for. Everything else can come later.