Waypoint Labs
Privacy-first financial tools for people who want clarity, control, and confidence.
Ascent
$11,380
Total Remaining
Next Payment
$850
What We Build
Financial tools designed with privacy, simplicity, and real people in mind
Ascent: Debt Payoff
Debt payoff, reimagined
A privacy-first iOS app for strategic debt payoff. 9 payoff strategies, real partner sync via iCloud, BNPL tracking, and 0% promo alerts. Your data stays on your device — Waypoint never sees it.
- 9 payoff strategies (3x the industry standard)
- PartnerSync — real partner collaboration via CloudKit
- Privacy-first: no servers, no bank linking required
- Modern debt types: BNPL tracking & 0% promo alerts
- Free tier + $29.99 lifetime option
Debt-free by
March 2027
DebtPayoffTools
Your roadmap to becoming debt-free
A free financial education platform with interactive calculators, strategy guides, honest app reviews, and 140+ pieces of educational content. No signup required.
- 15+ interactive debt payoff calculators
- 140+ educational articles and guides
- Honest app reviews and comparisons
- Proven payoff strategies explained step-by-step
- Free — no signup required
Snowball Calculator
Debt-Free in 28 mo
Total Saved
$3,240
Extra/mo
$200
Remaining balance over time
Our Values
Everything we build is guided by these core principles
Privacy-first
Your data belongs to you. We build with privacy and security at the core.
Human-first
Tools should be simple, beautiful, and motivating. Technology should serve people.
Built to last
Our apps are designed to support your journey for years, not weeks.
Independent by design
We build because we care, not because investors push us.
Transparency always
Our terms and policies should be understandable by real people, not just lawyers.
Empowerment through simplicity
Complex problems deserve elegant, simple solutions that anyone can use.
Built for people, not profit
We believe technology should serve you, protect you, and respect you. Every tool we build follows that principle.