What makes a budgeting app good on Android
A native Android app.
On Google Play for phones and tablets, with home screen widgets and fingerprint or passkey sign-in.
Copilot has no Android app.
It is also US-only, while Cadence Money covers Android, iOS and web in Canada and the USA.
One account, every device.
Categorise on your phone and review on a laptop, with nothing to export.
Canadian and US accounts.
TFSA, RRSP, FHSA, RESP and RDSP sit beside 401(k), Roth IRA, HSA and 529 plans.
A fraction of the price.
From $2.99 CAD per month, against roughly $11 to $13 CAD for YNAB, Monarch and Copilot.
Private by default.
No data selling and no AI training on your financial data.
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
One with a real native Android app, data that stays in sync with a browser or an iPhone, and no premium price for the privilege. Cadence Money covers budgets, net worth, goals, bills and reporting on Android, iOS and the web from $2.99 CAD / $2.49 USD per month.
No. Copilot Money has no Android app, and it is available in the USA only, which is why it drops out of most shortlists the moment you are on Android. Cadence Money has a native Android app on Google Play and works in both Canada and the USA.
Yes. The Android app runs on both Android phones and tablets, and the layout adapts to the larger screen. You can also open the full web app in any browser on a tablet.
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.