Why people choose Cadence over Copilot
Actually available in Canada. Copilot is US-only. Cadence works in Canada and the USA, with TFSA, RRSP and FHSA support.
A real Android app. Native iOS and Android apps plus a full web app - Copilot has iOS, Mac and web, but no Android app.
Lower price. From $2.49 CAD / $1.99 USD per month versus roughly $11.33 CAD / $7.92 USD for Copilot.
Multi-currency. Hold CAD and USD together and choose your display currency.
Privacy-first. Independent and Canadian - no data selling and no AI training on your data.
Works without bank syncing. Track by hand on any plan, or connect your banks when you want automatic imports.
Cadence vs Copilot
| Cadence | Copilot | |
|---|---|---|
| Starting price | $2.49/m | ~$11.33/m |
| Available in Canada & USA | Yes | No (US only) |
| iOS (Beta), Android (Beta) & Web apps | Yes | No Android |
| Multi-currency support | Yes | No |
| TFSA, RRSP, FHSA tracking | Yes | N/A |
| AI training on your data | No | Unclear |
| Official MCP integration | Yes | Beta |
| Passkey sign-in (all devices) | Yes | No |
| Works without bank syncing | 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 March 2026.
How Cadence Compares
| Cadence | YNAB | Monarch | Copilot | Dollarwise | |
|---|---|---|---|---|---|
| Starting price | $2.49/m | ~$12.98/m | ~$11.90/m | ~$11.33/m | ~$14.29/m |
| Available in Canada & USA | Yes | Yes | Yes | No (US only) | No (US only) |
| iOS (Beta), Android (Beta) & Web apps | Yes | Yes | Yes | No Android | No |
| Multi-currency support | Yes | One per budget | No | No | No |
| TFSA, RRSP, FHSA tracking | Yes | Yes | Limited | N/A | N/A |
| AI training on your data | No | Yes | No | Unclear | Unclear |
| Official MCP integration | Yes | No | Beta | Beta | No |
| Passkey sign-in (all devices) | Yes | No | No | No | No |
| Works without bank syncing | Yes | Yes | Yes | No | No |
| Bank syncing | Yes | Yes | Yes | Yes | Yes |
| Budget & transaction tracking | Yes | Yes | Yes | Yes | Yes |
| Net worth tracking | Yes | Yes | Yes | Yes | No |
| Financial goals | Yes | Yes | Yes | Yes | Yes |
| Reporting | Yes | Yes | Yes | Yes | No |
| Insights & suggestions | Yes | No | Yes | Yes | Yes |
| Automations | Yes | No | Yes | Yes | No |
Cadence
Starting price$2.49/m
Available in Canada & USAYes
iOS (Beta), Android (Beta) & Web appsYes
Multi-currency supportYes
TFSA, RRSP, FHSA trackingYes
AI training on your dataNo
Official MCP integrationYes
Passkey sign-in (all devices)Yes
Works without bank syncingYes
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingYes
Financial goalsYes
ReportingYes
Insights & suggestionsYes
AutomationsYes
YNAB
Starting price~$12.98/m
Available in Canada & USAYes
iOS (Beta), Android (Beta) & Web appsYes
Multi-currency supportOne per budget
TFSA, RRSP, FHSA trackingYes
AI training on your dataYes
Official MCP integrationNo
Passkey sign-in (all devices)No
Works without bank syncingYes
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingYes
Financial goalsYes
ReportingYes
Insights & suggestionsNo
AutomationsNo
Monarch
Starting price~$11.90/m
Available in Canada & USAYes
iOS (Beta), Android (Beta) & Web appsYes
Multi-currency supportNo
TFSA, RRSP, FHSA trackingLimited
AI training on your dataNo
Official MCP integrationBeta
Passkey sign-in (all devices)No
Works without bank syncingYes
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingYes
Financial goalsYes
ReportingYes
Insights & suggestionsYes
AutomationsYes
Copilot
Starting price~$11.33/m
Available in Canada & USANo (US only)
iOS (Beta), Android (Beta) & Web appsNo Android
Multi-currency supportNo
TFSA, RRSP, FHSA trackingN/A
AI training on your dataUnclear
Official MCP integrationBeta
Passkey sign-in (all devices)No
Works without bank syncingNo
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingYes
Financial goalsYes
ReportingYes
Insights & suggestionsYes
AutomationsYes
Dollarwise
Starting price~$14.29/m
Available in Canada & USANo (US only)
iOS (Beta), Android (Beta) & Web appsNo
Multi-currency supportNo
TFSA, RRSP, FHSA trackingN/A
AI training on your dataUnclear
Official MCP integrationNo
Passkey sign-in (all devices)No
Works without bank syncingNo
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingNo
Financial goalsYes
ReportingNo
Insights & suggestionsYes
AutomationsNo
Fully Featured Plans - Just Pick Syncing
Frequently asked questions
What is the best Copilot Money alternative?
Cadence is an excellent Copilot Money alternative, particularly if you are in Canada or use Android or the web. It offers budgeting, net worth, goals and reporting across every platform, not just Apple devices.
Is Copilot Money available in Canada?
Copilot Money is US-only. Cadence is available in both Canada and the USA, with support for Canadian account types like TFSA, RRSP and FHSA.
Does Cadence work on Android and the web?
Yes. Cadence has native iOS and Android apps plus a full web app. Copilot offers iOS, Mac and web, but has no Android app.
Is Cadence cheaper than Copilot?
Yes. Cadence plans start at $2.49 CAD / $1.99 USD per month, compared with roughly $11.33 CAD / $7.92 USD per month for Copilot (annual billing).
Can I use Cadence without connecting a bank?
Yes. Cadence works fully by hand on any plan, so you can track everything manually. Bank syncing is available on the Cadence+ and Premium plans if you want it.