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Goals: Support Future-Dated Debt Repayment Start Dates

Feature Request

Many financial obligations exist before repayments actually begin, but Waypoint currently treats debt goals as either “active” or “not tracked.”

Examples include:

  • Home Buyers’ Plan (HBP) repayment grace periods

  • Student loans during grace periods

  • Deferred loan repayments

  • Mortgage payment deferrals

  • Other obligations with scheduled future repayment dates

For example, HBP withdrawals made between 2022 and 2028 benefit from a five-year repayment grace period. The debt exists today and should be visible within a financial plan, but repayments are not yet required.

Currently, users must either:

  • Add the debt as a goal and see no progress or inaccurate projections, or

  • Exclude it entirely and lose visibility of the future obligation.

A potential solution would be adding a “Repayments Start Date” field for debt payoff goals. Until that date:

  • The balance remains visible.

  • The debt contributes to a complete financial picture.

  • Progress calculations and payoff projections begin only when repayment starts.

This could also improve mortgage tracking, particularly when future payment changes occur after renewal or refinancing.

The benefit extends beyond HBP users and would support anyone managing debts or obligations that exist today but become active at a future date.

Posted by JS ·
Status: Completed1 comment

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Comments1

  • team@waypointbudget

    Team•

    Jul 2

    Hi @JS,


    Thank you for your first feature request. The HBP example makes sense. Here's how we'd suggest handling it today: during the grace period, track the obligation as a liability on your Net Worth page (or as a manual loan account). The debt stays visible and counts in your full financial picture, without a goal showing misleading "behind pace" projections for payments that aren't due yet.

    When repayments actually begin, create the debt payoff goal at that point with the real balance and timeline. A "repayment start date" that transitions automatically is a fair idea and we're keeping it in review.

    The liability-first flow covers the visibility half today, and we'd want to see a bit more demand before adding a dormant state to goals.

    Best,

    Jamal

    Co-Founder
    Waypoint Budget