New to this? Read how multi-currency budgeting actually works first.
What a cross-border budget app has to get right
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 budgeting app for someone with Canadian and US accounts?
You want three things in one app: both currencies held together rather than converted away, both countries’ registered account types, and availability in both countries. Cadence does all three - CAD, USD and GBP side by side, TFSA, RRSP, FHSA, RESP and RDSP alongside 401(k), Roth IRA, HSA and 529 plans, on iOS, Android and web.
How does Cadence handle CAD and USD together?
You hold accounts in each currency as they actually are, and choose the display currency you want to think in. Nothing is flattened into a single currency at import, so a US chequing account stays a US chequing account while your overall picture still adds up.
Do YNAB, Monarch or Copilot handle this?
Not well. YNAB allows one currency per budget, so Canadian and US accounts mean separate budgets that never add up together. Monarch does not offer multi-currency. Copilot Money offers neither multi-currency nor Canadian availability - it is US-only.
I am a snowbird. Does this work for a few months a year in the US?
Yes. Spending in USD while your income and most accounts stay in CAD is exactly the case multi-currency handles - your US spending shows up in USD where it happened, and rolls into your overall picture in whichever currency you prefer to read.
What if I hold accounts in many currencies, not just two?
Cadence supports CAD, USD and GBP. If you genuinely hold accounts across many more currencies than that, an app built around broad multi-currency support will serve you better - we would rather tell you that than have you find out after signing up.
Is Cadence available in both Canada and the USA?
Yes, in both, with bank syncing for Canadian and US banks on the Cadence+ and Premium plans. You can also run it entirely by hand on any plan.
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.