Pricing and Plans
Pricing Philosophy
A personal finance app should be easy to use, smart and affordable. We set prices as low as possible while remaining sustainable. All Cadence Money plans give access to every feature we've built with the exception of bank syncing related features due to 3rd-party API costs.
We also don't have monthly subscriptions at this time. Yearly subscriptions not only help us reduce the price of Cadence Money for you, but helps us better predict what we can work on and who can help work on it.
Lastly, we have no plans to include generative AI in Cadence Money. AI can be a powerful tool, but it's ultimately too expensive in a variety of ways to be reasonably included in a personal finance app - even if the model is in-house. We'd rather make Cadence Money accessible to more people than setting ourselves up for a much higher cost and artificially lowering the price with welcome discounts.
We're confident you'll get your hard-earned money's worth with any plan you choose. Always feel free to give us feedback and suggestions at contact@cadencemoney.com.
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
Bank syncing is only available on Cadence+ and Cadence Premium. Prices are shown in Canadian or US dollars based on your location, and you are billed in the currency shown.