Everything you need. Nothing you don't.
Convenient tools built to work with you to balance your financial life.
Your Whole Picture
See your net worth, budgets, and recent activity together the moment you open Cadence.
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
Industry Best Privacy and Security
Your data is yours. We never sell it, never train AI on it, and protect it with bank-level encryption at rest and in transit.
Bank-Level Security
Encryption at Rest and Transit
Passkey Sign-In
Two-Factor Authentication
No Data Selling
No AI Model Training
Export Transaction Data
Delete Data Any Time
How Cadence Compares
| Cadence | YNAB | Monarch Money | Copilot Money | |
|---|---|---|---|---|
| Starting price | $2.49/m | ~$12.98/m | ~$11.90/m | ~$11.33/m |
| Available in Canada & USA | Yes | Yes | Yes | USA only |
| iOS (Beta), Android (Beta) & Web apps | Yes | Yes | Yes | No Android |
| Multi-currency support | Yes | One per budget | No | No |
| TFSA, RRSP, FHSA tracking | Yes | Yes | Limited | N/A |
| AI training on your data | No | No | Yes | Yes |
| Official MCP integration | Yes | No | Beta | Beta |
| Passkey sign-in (all devices) | Yes | No | No | No |
| Works without bank syncing | Yes | Yes | Yes | No |
| Bank syncing | Yes | Yes | Yes | Yes |
| Budget & transaction tracking | Yes | Yes | Yes | Yes |
| Net worth tracking | Yes | Yes | Yes | Yes |
| Financial goals | Yes | Yes | Yes | Yes |
| Reporting | Yes | Yes | Yes | Yes |
| Insights & suggestions | Yes | No | Yes | Yes |
| Automations | Yes | No | Yes | Yes |
Cadence
Starting price$2.49/m
Available in Canada & USAYes
iOS (Beta), Android (Beta) & Web appsYes
Multi-currency supportYes
TFSA, RRSP, FHSA trackingYes
AI training on your dataNo
Official MCP integrationYes
Passkey sign-in (all devices)Yes
Works without bank syncingYes
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingYes
Financial goalsYes
ReportingYes
Insights & suggestionsYes
AutomationsYes
YNAB
Starting price~$12.98/m
Available in Canada & USAYes
iOS (Beta), Android (Beta) & Web appsYes
Multi-currency supportOne per budget
TFSA, RRSP, FHSA trackingYes
AI training on your dataNo
Official MCP integrationNo
Passkey sign-in (all devices)No
Works without bank syncingYes
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingYes
Financial goalsYes
ReportingYes
Insights & suggestionsNo
AutomationsNo
Monarch Money
Starting price~$11.90/m
Available in Canada & USAYes
iOS (Beta), Android (Beta) & Web appsYes
Multi-currency supportNo
TFSA, RRSP, FHSA trackingLimited
AI training on your dataYes
Official MCP integrationBeta
Passkey sign-in (all devices)No
Works without bank syncingYes
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingYes
Financial goalsYes
ReportingYes
Insights & suggestionsYes
AutomationsYes
Copilot Money
Starting price~$11.33/m
Available in Canada & USAUSA only
iOS (Beta), Android (Beta) & Web appsNo Android
Multi-currency supportNo
TFSA, RRSP, FHSA trackingN/A
AI training on your dataYes
Official MCP integrationBeta
Passkey sign-in (all devices)No
Works without bank syncingNo
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingYes
Financial goalsYes
ReportingYes
Insights & suggestionsYes
AutomationsYes
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?