Why Choose Cadence
Most personal finance apps force tradeoffs:
- •If you pick something cheap or free, you're often limited on features, stuck with dated design, or risk your most sensitive data being sold to 3rd parties.
- •If you go the powerful route, you pay significantly more for features you won't use, and your data could unknowingly be used to train their AI models.
- •Many personal finance apps are only available in the US, or are run by large companies with competing financial interests that get in the way of the features you want and need.
Cadence avoids these compromises by focusing on the features you'll use regularly and making those features smart, all while having plans affordable enough for most people. The only choice you have to make is how many banks you'd like to connect.
We're also a fully independent Canadian small business. We never sell your data and never use it to train AI models. We want to build the best products for you, not for a balance sheet. You can count on everything in Cadence being there because we want it or you want it.
At the end of the day, what's the point of a personal finance app if it's an expense you have to worry about?
How Cadence Compares
| Cadence | YNAB | Monarch | Copilot | Dollarwise | |
|---|---|---|---|---|---|
| Starting price | $2.49/m | ~$12.98/m | ~$11.90/m | ~$11.33/m | ~$14.29/m |
| Available in Canada & USA | Yes | Yes | Yes | No (US only) | No (US only) |
| iOS (Beta), Android (Beta) & Web apps | Yes | Yes | Yes | No | No |
| Multi-currency support | Yes | One per budget | No | No | No |
| TFSA, RRSP, FHSA tracking | Yes | Yes | Limited | N/A | N/A |
| AI training on your data | No | Yes | No | Unclear | Unclear |
| Official MCP integration | Yes | No | Beta | Beta | No |
| Passkey sign-in (all devices) | Yes | No | No | No | No |
| Works without bank syncing | Yes | Yes | Yes | No | No |
| Bank syncing | Yes | Yes | Yes | Yes | Yes |
| Budget & transaction tracking | Yes | Yes | Yes | Yes | Yes |
| Net worth tracking | Yes | Yes | Yes | Yes | No |
| Financial goals | Yes | Yes | Yes | Yes | Yes |
| Reporting | Yes | Yes | Yes | Yes | No |
| Insights & suggestions | Yes | No | Yes | Yes | Yes |
| Automations | Yes | No | Yes | Yes | No |
Cadence
Starting price$2.49/m
Available in Canada & USAYes
iOS (Beta), Android (Beta) & Web appsYes
Multi-currency supportYes
TFSA, RRSP, FHSA trackingYes
AI training on your dataNo
Official MCP integrationYes
Passkey sign-in (all devices)Yes
Works without bank syncingYes
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingYes
Financial goalsYes
ReportingYes
Insights & suggestionsYes
AutomationsYes
YNAB
Starting price~$12.98/m
Available in Canada & USAYes
iOS (Beta), Android (Beta) & Web appsYes
Multi-currency supportOne per budget
TFSA, RRSP, FHSA trackingYes
AI training on your dataYes
Official MCP integrationNo
Passkey sign-in (all devices)No
Works without bank syncingYes
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingYes
Financial goalsYes
ReportingYes
Insights & suggestionsNo
AutomationsNo
Monarch
Starting price~$11.90/m
Available in Canada & USAYes
iOS (Beta), Android (Beta) & Web appsYes
Multi-currency supportNo
TFSA, RRSP, FHSA trackingLimited
AI training on your dataNo
Official MCP integrationBeta
Passkey sign-in (all devices)No
Works without bank syncingYes
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingYes
Financial goalsYes
ReportingYes
Insights & suggestionsYes
AutomationsYes
Copilot
Starting price~$11.33/m
Available in Canada & USANo (US only)
iOS (Beta), Android (Beta) & Web appsNo
Multi-currency supportNo
TFSA, RRSP, FHSA trackingN/A
AI training on your dataUnclear
Official MCP integrationBeta
Passkey sign-in (all devices)No
Works without bank syncingNo
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingYes
Financial goalsYes
ReportingYes
Insights & suggestionsYes
AutomationsYes
Dollarwise
Starting price~$14.29/m
Available in Canada & USANo (US only)
iOS (Beta), Android (Beta) & Web appsNo
Multi-currency supportNo
TFSA, RRSP, FHSA trackingN/A
AI training on your dataUnclear
Official MCP integrationNo
Passkey sign-in (all devices)No
Works without bank syncingNo
Bank syncingYes
Budget & transaction trackingYes
Net worth trackingNo
Financial goalsYes
ReportingNo
Insights & suggestionsYes
AutomationsNo
Competitor prices are approximate conversions. Pricing reflects annual plans billed yearly. Based on publicly available data as of March 2026.