Settings

Your name, email, avatar, plan and account status, plus Change Plan, Manage Subscription and your Communication Preferences. Sign Out is at the bottom.

Change Plan sits beside Manage Subscription and moves you between the three plans. It appears if you bought your plan on the web or through Google Play; an App Store subscriber changes plan at Apple, and a complimentary plan has nothing to swap, so in both of those cases no button is shown.

Communication Preferences are about product news, marketing and research invitations. They are separate from your alert settings, which live under Notifications. See Account & Subscription.

Lower down the Account section, a Region card holds three fields: Country, then Province/Territory - which reads State once the country is the United States - and Timezone.

The timezone is the one worth setting properly, because it decides when your day ends. The card says so itself: Daily snapshots are captured at 11:55 PM in your timezone. That nightly capture is what your net worth history and your daily spending figures are built from, so a timezone several hours out closes each day early or late.

Invite up to five people to share your finances, each signing in with their own email and password, and choose what each one can change. A household member sees the same section, where they can see who else is in the household and leave it. Once the household has a member, the Your Items card here sets whether new items start private and can make everything you own private or shared at once. See Household Members.

Add, refresh, reconnect and disconnect linked institutions, plus a Bank Status card that reports outages at your banks - which is how you tell a bank-side problem from a connection problem. See Synced Accounts.

Two cards. Theme Settings chooses Light, Dark or System. User Interface holds seven display toggles:

• Rounding amounts to the nearest dollar.
• Showing insight cards.
• Showing suggestion cards.
• Progress percentages.
• Income percentages.
• Gain/loss percentages.
• Per-widget shortcuts on the dashboard.

One card, with two controls. Primary Currency is a dropdown, and it is what every total across the app is displayed in. Underneath, Additional Currencies is a list of tick boxes - tick one to be able to record individual accounts, assets and transactions in it. There is no Add button and no second list to manage.

Your primary currency stays enabled whatever the boxes say, and the currency you are switching away from stays ticked so the things you already recorded in it can still be edited.

Below that card, Show Original Currencies is a switch, on by default. With it on, single transactions, bills, accounts and assets show the amount in the currency they were recorded in; with it off, they are converted into your primary currency. Totals are in your primary currency either way. See Multi-Currency for how conversion works.

Suggestions controls which suggestions Cadence Money offers, plus a Transaction Behaviour card governing name suggestions and smart categories. It is also where you clear what Cadence Money has learned about your merchants and start over. See Smart Features.

Insights chooses which kinds of insight are generated and personalises how they are written. See Insights & Reports.

Your own standing rules: when a transaction matches the conditions you set, Cadence Money files it the way you said to. The list is drag-ordered, each rule has its own on/off switch, and you can hold up to twenty-five of them, and the first rule that matches a transaction wins. Tap one to edit it, or add one with Create Rule. Full detail in Transaction Rules.

Every CSV file you have imported, newest first, with its date range and how many transactions it brought in. Each one can be pointed at a manual account, or undone - which removes the whole batch, including the rows that were hidden as duplicates at the time. See Importing Transactions.

Two cards. Password & Authentication: change your password, set up an authenticator app, manage passkeys, and turn on biometric unlock where your device supports it. Connected Apps: every AI assistant that can read your account, with a Disconnect beside each one. Step by step in Security.

Recently Deleted, Review Duplicates, Data Maintenance, and Data Management - the last of which holds your CSV export and Delete Account. See Privacy & Data Management.

• Privacy Mode is the eye button in the app header, so it is one tap from anywhere rather than four. See Privacy Mode.
• The feature tour is in the profile menu, next to Settings itself.