The full commitments are in the privacy policy, not just on this page.
What privacy-first actually means here
No AI training. Ever.
A policy commitment, unlike Copilot’s terms, which allow your data to be used for model improvement.
No data selling.
Your spending history is never a product, an ad segment or a dataset sold on.
No bank required.
Every feature works with manual entry, where Copilot, Piere and Dollarwise need a bank connection.
You are the customer.
There is no free tier, because the free model runs on your financial data.
Passkeys and two-factor.
Sign in without a password, with encryption in transit and at rest.
Independent and Canadian.
A small business under Canadian privacy law, not a venture-backed data play.
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
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, and neither does Cadence Money. Piere does not say. These terms change, so check the current privacy policy of any app you consider.
No, because the direction matters. Cadence Money 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: a paid subscription means you are the customer rather than your data being the product. Cadence Money has a 14-day free trial (a card is required), and plans start at $2.99 CAD / $2.49 USD per month billed annually.