Already subscribed? Follow the step-by-step connection guide to add Cadence Money to your assistant.
Why Cadence Money is the best budgeting app for MCP
An official MCP server.
Cadence Money runs the connector itself, with no scraping, third-party bridge or pasted CSVs.
Claude, ChatGPT and Gemini.
All three share one secure sign-in, as do command-line tools such as Claude Code.
Strictly read-only.
All 18 tools only fetch, and the server has no write path at all.
No keys, and revocable.
A standard OAuth sign-in keeps your password private, and you can disconnect any time.
Included on every plan.
Not a premium add-on; plans differ only by how many banks you can sync.
Canadian-owned, Canadian accounts.
An independent Ontario company, with TFSA, RRSP and FHSA as real types and CAD beside USD.
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
MCP (Model Context Protocol) is an open standard for connecting AI assistants to the tools and data you already use. A budgeting app that supports MCP can be added to an assistant like Claude or ChatGPT as a connector, so you can ask about your own finances in plain language instead of exporting spreadsheets.
Yes. Cadence Money is owned and made in Canada by an independent Ontario company, and runs its own official MCP server. Claude, ChatGPT, Gemini and other MCP clients can connect to it read-only on every plan, and it handles TFSA, RRSP and FHSA alongside CAD and USD.
Claude, ChatGPT and Gemini all connect to the same official Cadence Money MCP server using the same secure sign-in, and so do command-line tools such as Claude Code. You add it in your assistant’s connector settings, or as a single command in a terminal, with no keys or tokens to paste.
No. Cadence Money does not sell your data or train AI models on it, and connecting an assistant does not change that. Your assistant reads your data, at your request, only while you are asking it something, and you can disconnect at any time.
Anything you could work out from the app: how this month’s spending compares to last, how close a goal is, which bills are due this week, or what your net worth has done this year. Ask how your week is going and it uses a purpose-built weekly summary, not your monthly figures divided by four.
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.