Made in Canada
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 independently owned and operated in Canada. We put Canadian finances first - not as an afterthought.
- Canadian Registered Accounts
- TFSA
- RRSP
- FHSA
- RESP
- RDSP
- Multiple Currencies
- CAD
- USD
- GBP
Everything Needed For Your Financial Journey
Net Worth
Your whole net worth in one place
Accounts, investments, property and more, charted over time.
Bank Syncing
Connect over 10,000 banks and brokerages
Canadian and US transactions, balances and holdings sync on Cadence+ and Premium.
Household
Share with your household
Invite up to five people at no extra cost, each with their own access.
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.
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.
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.
Industry Best Privacy and Security
Encryption
Bank-level standards
- Bank-level security
- AES-256 encryption at rest
- TLS encryption in transit
Sign-In
Advanced authentication
- Passkey sign-in
- Two-factor authentication
- Face ID and fingerprint lock
Privacy
Private by design
- No data selling
- No AI model training
- No ads or trackers in the app
Your Data
Export or erase any time
- Export transaction data
- Delete data any time
- Read-only bank connections