Budget,
Net Worth,
Goals, Reports & More
Whether you want to keep it simple or dive in deep, Cadence Money has the tools you need to make your life a breeze.
Monthly and Annual Budgets
- 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 customise alerts to your situation
Monthly Budgets
Groceries
$180
Transportation
$115
Dining
$35
Shopping
$55
Entertainment
$55
Personal Care
-$12
Track Every Transaction
- Unlimited transaction history
- Split into multiple budgets, or link to a specific expense
- Add transactions by hand, or import from statements and other apps
- Sync transactions directly from your banks (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
Use Your AI Assistant
- Connect ChatGPT, Claude and more to Cadence Money with our MCP server
- 100% optional - your data, your choice
- Assistants can only read your data, never change it
How much is left in my grocery budget this month?
Get budget summary$180 of your $600 is left, with 9 days to go.
Any bills still due this week?
Get week summaryJust your phone ($50) on Saturday, covered by Friday's paycheque.
Upcoming Bills and Income
- Add your income and bills, and see what's coming up in one place
- Built-in recurring income and bill detection
- Calendar view to visualize past, present, and future recurrings
- Alerts when a bill is coming up or wasn't what you expected
June 2026
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Monday, June 15 2026
SalaryBiweekly • Income
+$3250.00
TodayMortgageMonthly • Mortgage
-$1850.00
TodayFinancial Goals With a Plan
- Emergency fund, vacation, retirement, debt payoff and more
- Add suggested goals based on your current situation
- Get monthly contribution recommendations to keep pace
- Convert goals into annual budgets once they're reached
Current Goals
Home Down PaymentBehind
$12,000.00 / $60,000.00210 days left
Vacation Fund
$2,000.00 / $5,000.00
Completed Goals
Emergency FundCompleted
$15,000.00 / $15,000.00
Share With Your Household
- Invite up to 5 Household Members at no extra cost
- Everyone signs in as themselves, and you choose what each person can change
- See who added and last edited everything
- Keep items private, and switch between Everything, Household and Personal views
Household Members
Everything
Household
Personal
A
Alex (You)
Account Holder
S
Sam
Member
Add & Edit
J
Jordan
Member
View Only
Grocery run
Groceries · Created by Sam
-$142.18
Hydro bill
Utilities · Edited by Alex
-$96.40
Smart Categories and Insights
- 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
Unusual 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/m by consolidating subscriptions.
Rent increase
Your rent went from $1,800 to $1,950 this month - an 8.3% increase.
Savings milestone
You've saved $5,000 - that covers 2 months of expenses.
Time-Based Reporting
- 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 actually cost
Monthly
Yearly
Mar 2026
Income
$6,250
Budgeted
$4,800
Savings
$2,330
Spent
$3,920
Remaining
$880
Savings Rate
37%
Your Entire Net Worth
- 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 balances (Cadence+ & Premium)
$156,950
+$12,450 (+8.6%)
1M
3M
6M
YTD
1Y
5Y
ALL
Investment Portfolio Tracking
- See your complete portfolio's performance in one view
- 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, USD or GBP
Holdings
$41,639
+$395.53 (+0.96%)
Breakdown
Index Fund$19,269 (46%)
Total Market ETF$8,200 (20%)
Cryptocurrency$6,525 (16%)
Tech Stock$4,183 (10%)
Consumer Stock$3,462 (8%)
Cross-Border Accounts and Currencies
- Owned and operated in Canada
- TFSA, RRSP, FHSA, RESP, RDSP support
- Multi-currency support for CAD, USD and GBP
- Sync Canada or USA based banks (Cadence+ & Premium)
TFSA Accounts
Investments
National Bank
$45,000
+$1,850 (+4.3%)
FHSA Accounts
Downpayment
Wealthsimple
$8,000
+$215 (+2.8%)
RRSP Accounts
Work RRSP
Sunlife
$62,000
+$1,100 (+1.8%)
401(k) Accounts
Retirement
Fidelity
$84,200
+$2,150 (+2.6%)
All Plans Include
Transactions & Import
- Smart transaction entry with budget linking
- Transaction splitting across budgets
- Transaction rules that categorise and link automatically
- CSV import with duplicate detection & undo
- Filter any list by merchant, amount or date
- Recurring pattern detection
- Recently Deleted with 30 days to restore
Bills & Income
- Bill tracking
- Alerts when a bill is due or changes
- Income tracking from multiple sources
- Total compensation tracking
Household Members
- Invite up to 5 people at no extra cost
- Their own login, with permissions you choose
- See who added and last edited everything
- Private items only you can see
Budgeting
- Unlimited monthly & annual budgets
- WorryFree mode for one simple spending limit
- Out of Pocket budgets for spending on others' behalf
- Budget rollover for what you don't spend
- Reimbursement & shared expense tracking
- Spending pace alerts & projections
- Cash Coverage to check your cash covers the month
Goals & Reports
- Financial goals with suggestions
- Debt payoff goals with interest savings
- Archive a goal without losing its history
- Goal Funds that credit savings back to a budget
- Imagine projections for what-if scenarios
- Monthly, quarterly, yearly, rolling & all-time reports
- Recap of your spending, saving & net worth
- Progress summaries
- Personalised insights and suggestions
Net Worth & Holdings
- Net worth tracking with daily snapshots
- Real estate, crypto & stock option tracking
- Vehicles, cash & other manual assets
- Portfolio holdings with daily updates
- Detail views for every account, asset & holding
- Archive anything you no longer track
- Multi-currency support
Apps & Experience
- iOS, Android & Web apps
- Dark and light themes
- Home-screen widgets
- Connect your AI assistant (MCP)
Privacy & Security
- Bank-level security, encrypted in transit & at rest
- Passkey sign-in
- Face ID & biometric unlock
- Two-factor authentication with recovery codes
- Privacy mode for screen sharing
- See and disconnect your connected apps
- Your data is never sold or shared
- No AI model training