The Short Answer
Wealthica is best for Canadians who mainly want to track investments, with strong brokerage coverage and capital gains reporting. Cadence Money is built around budgets, bills and goals alongside net worth, from $2.99 CAD per month billed annually, against $4.17 CAD for Wealthica Connect.
Why People Choose Cadence Money Over Wealthica.
A lower starting price.
Cadence Money is $2.99 CAD/m billed annually, against $4.17 CAD/m for Wealthica Connect on the same basis.
Budgets on every device.
Build and track budgets on iOS, Android and web; Wealthica’s budgeting is a web-only beta.
Bills and cash flow.
Recurring bills and income feed a cash flow view of the weeks ahead.
Goals with targets.
Track savings, debt payoff and contribution room against a target, each with its own progress.
Share with your household.
Invite up to five people and choose what each can change; Wealthica’s sharing is read-only.
Passkey sign-in.
Use Face ID, Touch ID or a security key, where Wealthica uses a password and a code.
Cadence Money vs Wealthica.
| Cadence Money | Wealthica | |
|---|---|---|
| Starting price | $2.99/m | From $4.17/m |
| Available in Canada & USA | Yes | Yes |
| iOS, Android & Web apps | Yes | Limited |
| Multi-currency support | Yes | Yes |
| TFSA, RRSP, FHSA tracking | Yes | Yes |
| AI training on your data | No | Unclear |
| Official MCP integration | Yes | No |
| Passkey sign-in (all devices) | Yes | No |
| Works without bank syncing | Yes | Yes |
| Share with household members | Yes | Read-only |
| Bank syncing | Yes | Yes |
| Budget & transaction tracking | Yes | Limited |
| Net worth tracking | Yes | Yes |
| Financial goals | Yes | Limited |
| Reporting | Yes | Yes |
| Insights & suggestions | Yes | Limited |
| Automations | Yes | Yes |
Pricing reflects annual plans billed yearly. Based on publicly available data as of October 2026.
Pricing and Plans
Frequently Asked Questions.
Cadence Money is a strong Wealthica alternative if you want budgets, bills and goals as well as net worth, on full iOS, Android and web apps. Wealthica keeps the edge on investment reporting, such as capital gains, fees and performance, and on the range of Canadian brokerages it connects to.
Yes, in a limited way. Its Budget Wizard sets monthly or yearly budget goals per category, but Wealthica’s help centre labels it beta, and its mobile apps send budgeting to the web app. Cadence Money is built around budgets, with monthly and annual budgets and rollover on every device.
Yes. TFSA, RRSP, FHSA, RESP and RDSP are account types, and you can enter holdings by hand on any plan or sync them from a brokerage on the Cadence+ and Premium plans. Wealthica tracks registered accounts too, with deeper investment reports.
Mostly by reconnecting rather than importing. Connect your banks and brokerages in Cadence Money, or add accounts and holdings by hand, then import past bank transactions from a CSV. Wealthica’s investment history and reports do not come across. Our guide to switching from Wealthica walks through it.