Frequently Asked Questions

Yes. Cadence Money is the app’s full name, and Cadence Money Inc. is the company behind it. You will sometimes see it shortened to Cadence, as it is under the app icon on your phone. Other apps, and a bank, share the name Cadence, so search for “Cadence Money” to find us.

Yes. Cadence Money uses bank-level encryption in transit and at rest. Bank connections are handled through Plaid, and your bank login credentials are never stored by Cadence Money. See the Security article for two-factor authentication, passkeys and the rest.

No. Cadence Money never sells your data, never uses it to train AI models, and never shares it with third parties for advertising.

No. Plans start at $2.99 CAD / $2.49 USD per month billed annually. Every plan includes all of Cadence Money’s features - budgets, net worth tracking, goals, reports, portfolio tracking and the smart features. The paid tiers differ only in how much bank syncing they include.

There is a free trial before the first charge, but its length depends on where you buy. Subscribe on the web and it is 14 days. On the App Store or Google Play it is whatever introductory offer the store grants you - and if your Apple or Google account has already used Cadence Money’s offer once, there is no trial the second time and the button reads Subscribe.

You choose a plan to carry on. A payment method is required to start the trial, so cancel any time before it ends to avoid being charged. Your data is preserved whether you subscribe immediately or come back later. See Account & Subscription.

Yes, entirely. Manual transaction entry, CSV import and manual account balances cover everything. Bank syncing is optional and available on Cadence+ and Premium. Plenty of people prefer the manual approach for the control it gives.

Go to Settings → Account → Manage Subscription. The button knows where you bought your plan and takes you there: the Stripe billing portal if you subscribed on the web, Apple’s subscription settings if you subscribed through the App Store, or Google Play’s own subscription screen if you subscribed through Play. A store subscription can only be cancelled at that store - there is no cancel button for one in Cadence Money. Your access continues to the end of your paid period either way.

Go to Settings → Data & Privacy → Export Data. You get a CSV of your transactions, downloaded straight to your device with no waiting. Budgets, goals and assets are not included. See Privacy & Data Management.

Deletion is scheduled rather than instant. Your bank connections are disconnected straight away, and your data is permanently deleted 30 days later.

During those 30 days you can change your mind: sign back in, open the account page, and choose Restore my account. Signing in alone does not cancel the deletion. A restored account keeps its transaction history but needs each bank linked again.

Cancel any paid subscription before deleting, since deletion is blocked while one is live. That includes the Bank Sync add-on if you have one - a small separate subscription that switches on bank syncing, cancelled from Settings → Connected Banks.

Synced transactions can take a few hours to appear, and pending ones take one to three business days to settle - an amount can shift slightly when it does. If transactions are still missing after 24 hours, see Troubleshooting Connections.

Nine times out of ten, a transfer between your own accounts has been counted as spending. A credit card payment or a move to savings should be categorised as Transfer or Investments, which keeps it out of your budgets. See Transfers & Payments.

A category describes what a transaction is, like Food and Drink. A budget is where you are tracking the spending, like Groceries. Categories are a fixed built-in list; budgets are yours to name. See Categories.

Yes. Cadence Money handles CAD, USD and GBP. Set your Primary Currency under Settings → Currencies and every total is displayed in it, while each account, asset and transaction keeps and shows its own. Only Canadian and US accounts can be bank-linked. See Multi-Currency.

Yes. Cadence Money supports both Canadian and American banks and account types, and handles CAD, USD and GBP.

No. Cadence Money requires an internet connection. Your data is stored securely in the cloud and accessible from any device - iPhone, iPad, Android or a web browser.

Price and focus. Cadence Money starts at $2.99 CAD per month compared with roughly $11.51 CAD/m for Monarch or $12.55 CAD/m for YNAB, both billed annually. It is built for Canadians, with TFSA, RRSP and FHSA tracking that YNAB does not support and Copilot cannot offer because it is US-only. It is privacy-first: your data is never sold or used to train AI models. And all features are included in every plan - only bank syncing costs extra. See our full comparison.