What makes a budgeting app good on Android
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
What is the best budget app for Android?
The best budgeting app for Android is one with a real native Android app rather than a mobile website, that keeps your data in sync if you also use a browser or an iPhone, and that does not charge a premium price for the privilege. Cadence covers budgets, net worth, goals, bills and reporting on Android, iOS and the web from $2.49 CAD / $1.99 USD per month.
Does Copilot Money have an Android app?
No. Copilot Money is iOS, Mac and web only, with no Android app, and it is available in the USA only. That is why it drops out of most shortlists the moment you are on Android. Cadence has a native Android app on Google Play and works in both Canada and the USA.
Is Cadence a real Android app or a website in a wrapper?
Cadence ships a real Android app through Google Play, with home screen widgets plus fingerprint and passkey sign-in. There is also a full web app if you prefer a bigger screen, and the two stay in sync.
Does Cadence work on Android tablets?
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.
Can I use Cadence on Android and on a computer at the same time?
Yes. One Cadence account covers the Android app, the iOS app and the web app, so you can categorise on your phone and do a deeper review in a browser without exporting anything.
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.