Your budget, net worth and goals.
The easy way.
Track and visualize your personal finances in a smart, accessible, privacy-focused place. Built by a 1Password veteran.
Monthly Budgets
Recent Activity
Grocery Store
PendingGroceries • Groceries
-$87.42
Jan 23
Credit Card Payment
Transfer
+$150.00
Jan 22
Payroll Deposit
Income
+$2500.00
Jan 20
Coffee Shop
Coffee Shops • Dining
-$4.85
Jan 20
Online Store
SplitShopping • Personal Care, Shopping
-$54.99
Jan 19
Gas Station
Gas & Fuel • Transportation
-$62.30
Jan 18
Everything you need. Nothing you don't.
Convenient tools built to work with you to balance your financial life.
Everyday Budgeting
Set monthly or annual budgets, track bills & subscriptions and understand cash flow. We have everything to track your spending.
Financial Goals
Build an emergency fund, save for a vacation or put aside for retirement. We'll help get you to the next step of your financial journey.
Time-Based Reports
See how you're doing this month, last month, the full year and more with easy to understand reporting.
Net Worth Overview
Visualize how your net worth changes overtime across accounts, real estate, and other asset classes.
Portfolio Performance
Never guess how your holdings are performing on a given day. Get daily gain and loss estimates for your positions.
Smart Automation
From suggestions and category learning, to insights and alerts, we have features that make money easier.
A Canadian Personal Finance App
for Everyone
We are proudly Canadian and have full coverage of Canadian and American account types. Whether you live in Canada or the USA, Cadence is for you.
- Multi-currency support for CAD and USD
- Choose your preferred display currency
- Sync Canada or USA based banks (Cadence+ & Premium)
- TFSA, RRSP, FHSA, RESP, RDSP support
- 401(k), Roth IRA, HSA, 529 Plans support
TFSA Accounts
$57,500TFSA
TFSA • National Bank
$45,000
Synced+$1,850 (+4.3%)
TFSA Savings
TFSA • Credit Union
$12,500
Synced+$320 (+2.6%)
RRSP Accounts
$62,000Work RRSP
RRSP • Group Benefits Co
$62,000
+$1,100 (+1.8%)
Industry Best Privacy and Security
If you pay for a personal finance app, you shouldn't have to worry about your data being sold to 3rd parties or unknowingly used for training an AI model.
Likewise, you should have the peace of mind that your data is being stored with a baseline of bank-level security.
How Cadence Compares
| Cadence | YNAB | Monarch | Copilot Money | Dollarwise | |
|---|---|---|---|---|---|
| Price | From $2.49/m | ~$12.98/m | ~$11.90/m | ~$11.33/m | ~$14.29/m |
| Available in Canada & USA | Yes | Yes | Yes | No (US only) | No (US only) |
| iOS, Android & web apps | Yes | Yes | Yes | No | No |
| Multi-currency support | Yes | One per budget | No | No | No |
| TFSA, RRSP, FHSA tracking | Yes | Yes | Limited | N/A | N/A |
| No built-in AI | Yes | Yes | No | Upcoming | No |
| Official MCP integration | Yes | No | No | No | No |
| Works without bank syncing | Yes | Yes | Yes | No | No |
| Bank syncing | Yes | Yes | Yes | Yes | Yes |
| Budget & transaction tracking | Yes | Yes | Yes | Yes | Yes |
| Net worth tracking | Yes | Yes | Yes | Yes | No |
| Financial goals | Yes | Yes | Yes | Yes | Yes |
| Reporting | Yes | Yes | Yes | Yes | No |
| Insights & suggestions | Yes | No | Yes | Yes | Yes |
| Automations | Yes | No | Yes | Yes | No |
Cadence
YNAB
Monarch
Copilot Money
Dollarwise
At the end of the day, what's the point of a personal finance app if it's an expense you have to worry about?