Autosave

It would be great to have something like “AutoSave”. I was thinking something like this:

I can set something “Autosave” where it asks me “What percent should be moved to -A specific category-. Something like it takes what ever percent from the income and stores it somewhere.

Posted by Cadin · Jun 18

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team@waypointbudget

Team•

Jun 23

Hey @Cadin, thank you much for explaining further and using AI to refine thoughts always helps ;) I do so all the time.

I have some good news. The buckets you described DO exist in Waypoint Budget today as rollover (or fund) categories. They just need to be funded by you, which is actually how most envelope-style budgeting apps work for users who track manually.

Here's how to set it up:

Budget page then Add Allocation
Name it (e.g., Emergency Fund)
Turn on the Rollover toggle - this makes it a bucket that accumulates over time instead of resetting monthly

Then, when payday hits, fund your envelopes in one of two simple ways:

Adjust Balance on the category, quick top-up in two taps
Or log a transaction tagged to the fund (income, transfer, refund, or reimbursement type). Anything you tag to a fund category deposits into that envelope automatically.

So your 10/5/5 example would just be three quick balance adjustments or three short transactions on payday.

The fully automatic % of income auto-routes on its own piece would be a separate feature on top of this. We used to do that but that caused a lot of confusion so we back tracked on that. What I described would be the easiest way forward but if we see more demand for this feature I am happy to prioritize if more people want auto funding.

Cadin

•

Jun 22

Hi,

Thanks for the clarification. After thinking about it more, I realized my original idea may need another feature to make it work well.

What I was picturing is closer to option #2 (budget allocation), but with a place to actually hold those allocated funds within Waypoint.

For example, it could be helpful to have user-created "Accounts" or "Buckets" inside the app, such as:

Emergency Fund
College Savings
Cash
Vacation Fund
Vehicle Fund

Then, when income is recorded, an AutoSave rule could automatically allocate a percentage of that income to one or more of those buckets. For example:

10% → Emergency Fund
5% → College Savings
5% → Vehicle Fund

The money wouldn't actually move between bank accounts. Instead, Waypoint would track how much of my available money is assigned to each bucket, similar to digital envelopes or sinking funds.

This would make it easier to automatically save toward goals without requiring separate bank accounts for each goal.

Hopefully that explains the idea a little better!

P.S: I used AI to make it less confusing 😉

team@waypointbudget

Team•

Jun 21

Hey Cadin, thanks for posting this. I just want to make sure I understand exactly what you're after before we look at it. Two ways I could read "Autosave":

1. Actual money movement: when your paycheque lands in chequing, X% physically transfers to a separate savings account at your bank.

2. Budget allocation only: when income comes in, X% gets earmarked inside Waypoint Budget for a specific category (like Emergency Fund), even though the money stays in the same account.

Which one were you picturing?

Quick context in case it helps: Waypoint Budget reads transactions from your bank but can't move money between your accounts, that has to happen at the bank itself (most banks have an auto-transfer setting for exactly this). But if you meant #2, we actually have something close already: on a fund category you can set a percentage target like "20% of income" and it'll show you the dollar amount each month.

Happy to point you to it if that's what you were thinking.

Appreciate the request either way 🙏

Autosave

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