Your TFSA, RRSP and FHSA, in the same app as your budget.
Cadence treats Canadian registered accounts as real account types - TFSA, RRSP, FHSA, RESP and RDSP - so their balances and holdings land in your net worth instead of a spreadsheet. Built in Canada, on iOS, Android and web, in CAD, USD and GBP.
What tracking Canadian accounts properly looks like
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, 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 | 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
YNAB
Monarch Money
Copilot Money
Competitor prices are approximate conversions. Pricing reflects annual plans billed yearly. Based on publicly available data as of March 2026.
Fully Featured Plans - Just Pick Syncing
Frequently asked questions
Can I track my TFSA, RRSP and FHSA in Cadence?
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.
Does Cadence track my contribution room?
Contribution room is tracked with Goals rather than a separate feature. You create one goal per registered account, set the target to that year's limit, and record contributions as you make them, so the progress bar shows the room you have used and what is left. Cadence does not pull your official numbers from the CRA, so check CRA My Account for your personalised room and enter it as the target.
Is Cadence free?
Cadence is a paid subscription with a 14-day free trial (a card is required to start the trial). Plans start at $2.49 CAD / $1.99 USD per month billed annually, plus a one-time Lifetime option. There is no permanently free tier - the difference between plans is only how many banks you can sync.
Does Cadence work with Canadian banks?
Yes. Cadence supports secure bank syncing for Canadian and US banks on the Cadence+ and Premium plans. You can also use Cadence entirely by hand on any plan if you prefer not to connect a bank.
Is my financial data private?
Yes. Cadence is an independent Canadian business that never sells your data and never uses it to train AI models. Your financial information stays yours.