What tracking Canadian accounts properly looks like
Every registered account type.
TFSA, RRSP, FHSA, RESP and RDSP each get their own type, not a generic investment bucket.
Contribution room as a goal.
Set one goal per account at the year’s limit, and the progress bar shows what is left.
Both countries, one net worth.
401(k), Roth IRA, HSA and 529 plans sit beside your Canadian accounts.
CAD, USD and GBP together.
Read your totals in whichever currency you choose, with nothing flattened at import.
Independent and Canadian.
Built in Canada by a small team that never sells your data or trains AI on it.
Bank syncing optional.
Connect your banks for automatic imports, or track by hand with every feature intact.
How Cadence Money Compares
| Cadence Money | YNAB | Monarch Money | Copilot Money | |
|---|---|---|---|---|
| Starting price | $2.99/m | ~$12.55/m | ~$11.51/m | ~$10.94/m |
| Available in Canada & USA | Yes | Yes | Yes | USA only |
| iOS, Android & 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 | No | 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 |
| Share with household members | 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 Money
YNAB
Monarch Money
Copilot Money
Competitor prices are approximate conversions. Pricing reflects annual plans billed yearly. Based on publicly available data as of September 2026.
Pricing and Plans
Frequently asked questions
Yes. TFSA, RRSP, FHSA, RESP and RDSP are first-class account types, with balances and holdings feeding straight into your net worth. US registered accounts are supported too - 401(k), Roth IRA, HSA and 529 plans - so a cross-border picture adds up in one place.
Yes, with Goals. Create one goal per registered account, set its target to that year's limit and record contributions as you make them, so the progress bar shows the room used and left. Cadence Money does not pull your numbers from the CRA, so check CRA My Account for your personal room.
Cadence Money is a paid subscription with a 14-day free trial (a card is required to start the trial). Plans start at $2.99 CAD / $2.49 USD per month billed annually. There is no permanently free tier - the difference between plans is only how many banks you can sync.
Yes. Cadence Money supports secure bank syncing for Canadian and US banks on the Cadence+ and Premium plans. You can also use it entirely by hand on any plan if you prefer not to connect a bank.