New to this? Read how multi-currency budgeting actually works first.
What a cross-border budget app has to get right
CAD and USD together.
Plus GBP, with totals in whichever currency you choose and nothing flattened at import.
Both countries’ registered accounts.
TFSA, RRSP, FHSA, RESP and RDSP beside 401(k), Roth IRA, HSA and 529 plans.
Available in both countries.
Bank syncing works on both sides of the border, while Copilot Money is US-only.
Native apps everywhere.
iOS, Android and web stay in sync while you move between countries.
Priced as a second app.
From $2.99 CAD per month, against roughly $11 to $13 CAD for YNAB, Monarch and Copilot.
Honest about the limit.
If you hold many more currencies than three, a breadth-focused app will suit you better.
How Cadence Money Compares
| Cadence Money | YNAB | Monarch Money | Copilot Money | |
|---|---|---|---|---|
| Starting price | $2.99/m | ~$12.55/m | ~$11.51/m | ~$10.94/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 | No | 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 |
| Share with household members | 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 Money
YNAB
Monarch Money
Copilot Money
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
One that holds both currencies rather than converting them away, covers both countries’ registered accounts, and is sold in both countries. Cadence Money does all three: CAD, USD and GBP side by side, TFSA, RRSP, FHSA, RESP and RDSP beside 401(k), Roth IRA, HSA and 529 plans, on iOS, Android and web.
Mostly as separate budgets. 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.
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.
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.