Budgeting
Budgets That Stay Simple
Monthly, annual or WorryFree budgets. See what's left at a glance.
Built By Canadians,
For Canadians
Cadence Money is proudly owned and operated in Canada. Canadian banks and accounts come first - never an afterthought.
- Owned and operated in Canada
- TFSA, RRSP, FHSA, RESP, RDSP support
- Multi-currency support for CAD, USD and GBP
- Sync Canada or USA based banks (Cadence+ & Premium)
Everything Needed For Your Financial Journey
Net Worth
Your Whole Net Worth In One Place
Accounts, investments, property and more, charted over time.
Goals
Goals You'll Actually Reach
Save for anything, with a suggested monthly amount to stay on pace.
Reports
Reports Worth Reading
Income, spending and savings rate by month, year or all time.
Household
Share With Your Household
Invite up to five people at no extra cost, each with their own access.
Insights
Insights That Actually Help
Unusual spending, budget streaks and savings opportunities, spotted for you.
Investments
Every Holding, Every Day
Daily gains and losses for every holding, plus your allocation.
Industry Best Privacy and Security
Security
Bank-level standards
- Bank-Level Security
- Encryption at Rest and in Transit
Sign-In
Advanced authentication
- Passkey Sign-In
- Two-Factor Authentication
Privacy
Private by design
- No Data Selling
- No AI Model Training
Your Data
Export or erase any time
- Export Transaction Data
- Delete Data Any Time
Use Your AI Assistant
We aren't building an AI assistant. Connect the one you already use and ask about your money.
- Connect ChatGPT, Claude and more to Cadence Money with our MCP server
- 100% optional - your data, your choice
- Assistants can only read your data, never change it
How much is left in my grocery budget this month?
Get budget summary$180 of your $600 is left, with 9 days to go.
Any bills still due this week?
Get week summaryJust your phone ($50) on Saturday, covered by Friday's paycheque.