Features to make your
financial future easier
Whether you want to keep it simple or dive in deep, Cadence has the tools you need to make your life a breeze. It rhymed so we went with it.
Budgeting the best way
We'll help you create budgets that best suit your spending, goals or situation. Once set, tracking spending is hassle-free.
- Monthly and annual budgets for your everyday, or once a year spending
- Automatically link transaction categories to budgets
- Choose a set amount or percentage of income for any budget
- Pick a budgeting style to customize alerts to your situation
Monthly Budgets
Track every transaction
With unlimited history, syncing and importing you're able to stay up-to-date with your money.
- Unlimited transaction history
- Split into multiple budgets, or link to a specific expense
- Import transactions from statements or other apps
- Sync transactions directly from bank accounts (Cadence+ & Premium)
Recent Activity
Grocery Store
PendingGroceries • Groceries
-$87.42
Jan 23
Credit Card Payment
Transfer
+$150.00
Jan 22
Payroll Deposit
Income
+$2500.00
Jan 20
Coffee Shop
Coffee Shops • Dining
-$4.85
Jan 20
Online Store
SplitShopping • Personal Care, Shopping
-$54.99
Jan 19
Gas Station
Gas & Fuel • Transportation
-$62.30
Jan 18
Know what's next in one place
Setup your income, bills & subscriptions to get the full picture, or let us do it for you.
- See your upcoming income and bills all in one place
- Built-in recurring income, bill & subscription detection
- Calendar view to visualize past, present, and future recurrings
- Alerts when a bill is coming up or wasn't what you expected
Recurring Calendar
Salary
Income • Biweekly
Due Jun 15, 2026
Mortgage
AutoHousing • Monthly
Due Jun 15, 2026
Work towards what matters
Saving an emergency fund, a vacation fund, or retirement doesn't need to be daunting. Tell us what your goals are and we'll help.
- Choose a variety of different financial goals to work towards
- Add suggested goals based on your current situation
- Get monthly contribution recommendations to keep pace
- Convert goals into annual budgets once they're reached
Intelligence that actually helps
From name suggestions and smart categorization, to regional average insights and spending alerts, we make finances easier.
- Transaction name suggestions
- Smart categorization that learns over time
- Learn how your spending compares to regional averages
- Get alerts about your spending, cash flow, bill increases, and more
Insights
7Unusual spending
Shopping is 40% higher than your monthly average.
Budget streak!
You've stayed under budget for 3 months in a row.
Bill comparison
Your internet bill is higher than similar users in your area.
Savings opportunity
You could save $50/mo by consolidating subscriptions.
Reporting for your progress
With monthly, annual and all time reporting, you can easily see what's going well and what to focus on.
- See your money through a variety of charts, graphs and displays
- Choose between monthly, annual, or all time reports
- Understand how your spending and budgets change over time
- Get a better idea of what your bills & subscriptions actually cost
A full net worth picture
Net worth isn't just your bank account or credit balance, it's also what you own. We get that and include a variety of assets too.
- Track the history of bank accounts, assets, credit and loans together
- Support for real estate, cryptocurrency, and even stock options
- Store information like institution, type, currency, interest rate & more
- Automatically sync bank account balances (Cadence+ & Premium)
Visualize your portfolio
Get up-to-date performance monitoring of your investment portfolio
- Visualize your complete portfolio
- Track stocks, ETFs and more with daily updates
- Monitor based on the number of shares you own and the price you paid
- Store the average cost of your positions in CAD or USD
Made in Canada, for everyone
We are proudly Canadian and have full coverage of Canadian and American account types. Whether you live in Canada or the USA, Cadence is for you.
- Multi-currency support for CAD and USD
- Sync Canada or USA based bank accounts (Cadence+ & Premium)
- TFSA, RRSP, FHSA, RESP, RDSP support
- 401(k), Roth IRA, HSA, 529 Plans support
TFSA Accounts
$45,000FHSA Accounts
$16,000RRSP Accounts
$62,000Industry Best Privacy and Security
If you pay for a personal finance app, you shouldn't have to worry about your data being sold to 3rd parties or unknowingly used for training an AI model.
Likewise, you should have the peace of mind that your data is being stored with a baseline of bank-level security.