Fully Featured Plans - Just Pick Syncing
All Plans Include
Budgeting
- Smart transaction entry with budget linking
- Transaction splitting across budgets
- Reimbursement & shared expense tracking
- Bill tracking
- Recurring pattern detection
- Income tracking from multiple sources
- Total compensation tracking
- Unlimited monthly & annual budgets
- Spending pace alerts & projections
Net Worth & Holdings
- Net worth tracking with daily snapshots
- Real estate, crypto & stock option tracking
- Portfolio holdings with daily updates
- Multi-currency support
Goals & Reports
- Financial goals with suggestions
- Monthly, yearly, and all-time reports
- Progress summaries
- Personalized insights and suggestions
Apps & Experience
- iOS (Beta), Android (Beta) & Web apps
- Dark and light themes
- Home-screen widgets
- Connect your AI assistant (MCP)
Privacy & Security
- Passkey sign-in
- Privacy mode for screen sharing
- Your data is never sold or shared
- No AI model training
Bank syncing is only available on Cadence+ and Cadence Premium.
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 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 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. 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 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.