The Short Answer
Copilot Money is best for Americans who want one of the best-designed budgeting apps on iPhone, iPad and Mac. Cadence Money works in Canada and the USA on iOS, Android and web from $2.99 CAD per month billed annually, against about $10.94 CAD for Copilot.
Why People Choose Cadence Money Over Copilot Money.
Roughly a quarter the price.
Cadence Money is $2.99 CAD/m billed annually, against about $10.94 CAD/m for Copilot on the same basis.
Available in Canada.
Copilot Money is US-only, while Cadence Money also tracks TFSA, RRSP, FHSA, RESP and RDSP.
A real Android app.
Native Android, iOS and web apps stay in sync; Copilot Money has never shipped an Android app.
True multi-currency.
Hold CAD, USD and GBP together and choose the one you see; Copilot works in one.
No AI training.
Cadence Money never trains AI on your data, while Copilot Money’s terms allow it for model improvement.
Works without bank syncing.
Track everything by hand on any plan; Copilot Money is built around connected accounts.
Cadence Money vs Copilot Money.
| Cadence Money | Copilot Money | |
|---|---|---|
| Starting price | $2.99/m | ~$10.94/m |
| Available in Canada & USA | Yes | USA only |
| iOS, Android & Web apps | Yes | No Android |
| Multi-currency support | Yes | No |
| TFSA, RRSP, FHSA tracking | Yes | N/A |
| AI training on your data | No | Yes |
| Official MCP integration | Yes | Beta |
| Passkey sign-in (all devices) | Yes | No |
| Works without bank syncing | Yes | No |
| Share with household members | Yes | No |
| Bank syncing | Yes | Yes |
| Budget & transaction tracking | Yes | Yes |
| Net worth tracking | Yes | Yes |
| Financial goals | Yes | Yes |
| Reporting | Yes | Yes |
| Insights & suggestions | Yes | Yes |
| Automations | Yes | Yes |
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.
Cadence Money is a strong Copilot Money alternative if you are in Canada or use Android, with budgeting, net worth, goals and reporting on iOS, Android and web, with or without a bank connection.
No. Copilot Money is available in the United States only, and it connects to US financial institutions only. Cadence Money is available in both Canada and the USA, with support for Canadian account types like TFSA, RRSP, FHSA, RESP and RDSP as well as US ones such as 401(k), Roth IRA, HSA and 529 plans.
No. Copilot Money offers iOS, iPad, Mac and web apps, but has never released an Android app. Cadence Money has native iOS and Android apps plus a full web app, all kept in sync.
Yes. Export your transactions from Copilot Money as a CSV and bring it in with the six-step import wizard, which recognises the layout, keeps each row’s account, translates categories and fixes Copilot’s inverted amount signs. Our guide to switching from Copilot Money walks through it.
Yes, through a full web app that runs in any browser on macOS and Windows, alongside the native iOS and Android apps. Copilot Money ships a native Mac app instead; if a Mac app specifically is what you are after, that is the one thing on this page it has and Cadence Money does not.