The full commitments are in the privacy policy, not just on this page.
What privacy-first actually means here
How Cadence Compares
| Cadence | YNAB | Monarch Money | Copilot Money | |
|---|---|---|---|---|
| Starting price | $2.49/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 |
| 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
YNAB
Monarch Money
Copilot Money
Competitor prices are approximate conversions. Pricing reflects annual plans billed yearly. Based on publicly available data as of March 2026.
Fully Featured Plans - Just Pick Syncing
Frequently asked questions
Fewer than you would think. Copilot Money is the clearest case - its terms let it use your inputs and interaction data for model improvement. Monarch, YNAB and Lunch Money all state that they do not train on your data, and neither does Cadence. Piere does not say either way. It is worth checking the current privacy policy of any app you are considering, since these terms change - Monarch’s used to read differently.
No. Cadence does not use your financial data to train artificial-intelligence models, and does not sell or rent your data to anyone. That is a commitment in the privacy policy, not a setting you have to find and switch off.
Yes, on every plan including the entry plan. Every feature works with manually entered transactions - budgets, net worth, goals, bills, reporting and insights. Bank syncing is an option you can take or leave, not the price of entry.
A budgeting app with no subscription has to make money somewhere, and financial data is unusually valuable. Cadence is a paid subscription precisely so the business model is you paying for software, rather than your spending history being the product. There is no free tier for that reason.
No, because the direction matters. Cadence never hands your data to a model for training. The optional MCP server works the other way: you choose to connect your own assistant, it can only read, and you can disconnect at any time. Nothing is shared unless you set it up and ask a question.
You can export your transaction data at any time, and you can delete your account and its data whenever you want. Neither is buried behind a support request.
No, and deliberately so - see above. Cadence is a paid subscription with a 14-day free trial (a card is required). Plans start at $2.49 CAD / $1.99 USD per month billed annually.