Pricing and Plans

Cadence

All of Cadence without bank syncing

Monthly billing: $4.99. Yearly billing: $2.99CAD/m
Save $24 a year

Cadence+

Automatically sync up to three banks

Monthly billing: $7.99. Yearly billing: $4.99CAD/m
Save $36 a year

Cadence Premium

Unlimited bank syncing

Monthly billing: $13.99. Yearly billing: $8.99CAD/m
Save $60 a year

Pricing Philosophy

A personal finance app should be easy to use, smart and affordable. We keep our prices as low as we can while staying sustainable. Every plan includes every feature except bank syncing since it carries additional third-party costs.

We don't have welcome offers, promo codes or discounts beyond yearly plans. We believe in charging fair prices for a great product instead of hiding behind temporary decreases that make you pay more in the end.

Finally, we are not going to include generative AI at this time. AI can be a powerful tool, but right now building it in ourselves would drive up costs considerably for both of us. Instead, you can connect the AI assistant you already use to our app and ask it about your money. A win-win for everyone.

We're confident you'll get your hard-earned money's worth with Cadence on any plan you choose. Feel free to send us feedback and suggestions any time at contact@cadencemoney.com.

All Plans Include

  • Unlimited budgets

    Monthly & annual, with rollover

  • Household sharing

    Up to 5 people at no extra cost

  • Your entire net worth

    Real estate, crypto & stock options

  • iOS, Android & web

    With home-screen widgets

  • Use your AI assistant

    Through our official MCP server

  • Your data is never sold

    Or used to train AI models

Transactions & Import

  • Smart transaction entry with budget linking
  • Transaction splitting across budgets
  • Transaction rules that categorise and link automatically
  • CSV import with duplicate detection & undo
  • Filter any list by merchant, amount or date
  • Recurring pattern detection
  • Recently Deleted with 30 days to restore

Bills & Income

  • Bill tracking
  • Alerts when a bill is due or changes
  • Income tracking from multiple sources
  • Total compensation tracking

Household Members

  • Invite up to 5 people at no extra cost
  • Their own login, with permissions you choose
  • See who added and last edited everything
  • Assign transactions & accounts to a member
  • Private items only you can see

Budgeting

  • Unlimited monthly & annual budgets
  • WorryFree mode for one simple spending limit
  • Out of Pocket budgets for spending on others' behalf
  • Budget rollover for what you don't spend
  • Move Funds between budgets, with undo
  • Reimbursement & shared expense tracking
  • Spending pace alerts & projections
  • Cash Coverage to check your cash covers the month

Goals & Reports

  • Financial goals with suggestions
  • Debt payoff goals with interest savings
  • Archive a goal without losing its history
  • Goal Funds that credit savings back to a budget
  • Imagine projections for what-if scenarios
  • Monthly, quarterly, yearly, rolling & all-time reports
  • Recap of your spending, saving & net worth
  • Progress summaries
  • Personalised insights and suggestions

Net Worth & Holdings

  • Net worth tracking with daily snapshots
  • Real estate, crypto & stock option tracking
  • Vehicles, cash & other manual assets
  • Portfolio holdings with daily updates
  • Detail views for every account, asset & holding
  • Archive anything you no longer track
  • Multi-currency support

Apps & Experience

  • iOS, Android & Web apps
  • Dark and light themes
  • Home-screen widgets
  • Connect your AI assistant (MCP)

Privacy & Security

  • Bank-level security, encrypted in transit & at rest
  • Passkey sign-in
  • Face ID & biometric unlock
  • Two-factor authentication with recovery codes
  • Privacy mode for screen sharing
  • See and disconnect your connected apps
  • Your data is never sold or shared
  • No AI model training

Bank syncing is only available on Cadence+ and Cadence Premium. Prices are shown in Canadian or US dollars based on your location, and you are billed in the currency shown.

Make your financial future
simpler today

This time, we're getting on track.