What made in Canada buys you
Canadian-owned and operated.
Cadence Money Inc. is an Ontario company with no parent and no outside owner.
Made in Canada.
Designed Canada-first, with TFSA, RRSP, FHSA, RESP and RDSP as real account types.
Priced in Canadian dollars.
Charged in CAD from $2.99 CAD/m, with no conversion or foreign transaction fee.
Data is not the product.
No data selling and no AI training; the subscription pays the bills, so there is no free tier.
Support from Ontario.
Emails are often answered by the person who built the feature you are asking about.
Works with your AI assistant.
An official, read-only MCP server lets Claude, ChatGPT, Gemini and other MCP clients answer your questions.
Budgeting doesn't need to be American
The Canadian-made swap for each American app.
- Cadence Money vs YNABFlexible budgeting at a fraction of YNAB’s price.
- Cadence Money vs Monarch MoneyComparable ground from $2.99 CAD/m, with CAD and USD together.
- Cadence Money vs Copilot MoneyCopilot is US-only with no Android app.
- Cadence Money vs EveryDollarNet worth and reports included, not locked behind Premium.
- Cadence Money vs PiereYour whole picture, without an AI moving your money.
- Cadence Money vs DollarwiseDollarwise is US-only and mobile-only; Cadence Money is neither.
Pricing and Plans
Frequently asked questions
Yes. It is made by Cadence Money Inc., an independent company based in Ontario, Canada, with no parent company, foreign owner or acquirer - it is owned by the person who builds it. That is a different claim from an app being available in Canada, which most well-known budgeting apps are.
Yes. Cadence Money is designed, built and supported in Canada. The app was not licensed, white-labelled or bought in and rebranded, and support is answered by the person who wrote the code, not an outsourced desk.
Checked August 2026. Cadence Money is Canadian-owned and Canadian-made, and Lunch Money is the other well-known Canadian-founded option. YNAB, Monarch Money, Copilot Money, EveryDollar, Piere and Dollarwise are US companies. Mint was Intuit's and has shut down. Ownership changes, so re-check rather than trusting any list.
Worth checking rather than assuming. Cadence Money covers budgets, bills, net worth, goals, investments, reporting and insights on iOS, Android and web. It also does what the US apps do not: TFSA, RRSP, FHSA, RESP and RDSP as real account types, CAD, USD and GBP together, and CAD pricing.
No. Cadence Money is offered in Canada and the USA, and US registered accounts - 401(k), Roth IRA, HSA and 529 plans - are first-class too. Canadian ownership is a fact about the company, not a restriction on who it is for. If you hold accounts in both countries, that is the case the cross-border page is about.
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 only difference between plans is how many banks you can sync.