Cadence Money: Budget Tracker

Cadence Money

In-app purchases

About this app

Cadence Money is the Canadian-made budgeting app that makes money simple. Created by a 1Password builder.

Track your income, bills and cash flow in one place. Start budgeting WorryFree, visualize your entire net worth, set financial goals and explore time-based reports on how you spend and grow your money.

It works across your devices, and everything stays in sync.

Budget
- Track your income, bills and transactions in one place
- Start budgeting WorryFree with one monthly limit, or with detailed monthly budgets
- Create annual budgets for big purchases, vacations or anything else
- Out of Pocket budgets let you exclude spending on behalf of someone else
- Recurring bills and income are detected for you and laid out on a calendar

Home
- See the finances you care most about directly from Home
- Immediately know how much you have left to spend or your current net worth
- No need to deep dive when you just want a glance
- Customize Home to your liking by reordering or turning off widgets
- Add home screen widgets to check in without opening the app

Net Worth
- Visualize your entire net worth - not just cash
- Support for bank accounts, investment accounts, real estate, vehicles, jewelry and more
- Credit cards, loans and other debt sit alongside what you own
- Get up to date information on your portfolio when you add Holdings

Goals
- Save an amount, save monthly, pay off debt, or put away a percentage of your income
- Link a goal to the account or asset funding it, so progress updates itself
- Get a monthly contribution recommendation to keep pace
- Imagine shows what your spare income could become over 5 to 40 years

Reports
- Explore time-based reports based on how you spend and grow your money
- Break spending down by category, budget or merchant
- Look at 30 days, 3 or 6 months, a quarter, year to date or all time
- See what actually changed month to month, not just what happened

Canada and the USA
- TFSA, RRSP, FHSA, RESP and RDSP
- 401(k), Roth IRA, HSA and 529 plans
- Hold CAD, USD and GBP together and read your totals in whichever you choose

Your Banks Your Way
- Connect Canadian and US banks for automatic tracking, import statements, or track everything by hand
- Every feature works either way, on every plan
- Import from statements, spreadsheets or another app
- Categorization learns from your corrections and stops asking

Insights & Suggestions
- Get told when your spending, a bill or your cash flow moves the wrong way
- Price increase alerts catch a bill that is not the amount you expected
- See how your categories compare to regional averages
- Every insight is a toggle - keep the ones that help, turn off the rest

Automation
- Transaction rules set the category, and can assign a budget or link a bill, an income source or a goal
- Apply a new rule to the transactions you already have, not just the next one
- Smart Categories learn from your corrections and stop asking
- Suggestions for budgets, bills, income and goals, drawn from what is actually in your data

Privacy & Security
- No ads. We never sell your data, and we never train AI on it
- Passkey sign-in, two-factor authentication, encryption at rest and in transit
- Export everything, or delete everything, whenever you want
- Optional - connect your own assistant through our MCP server - your data, your choice

Pricing
Cadence is a paid subscription with a 14-day trial (a card is required to start it). Plans are billed annually. Plans differ only in how many banks you can sync - every other feature is on every plan.

Made in Canada, independently, and paid for by subscriptions rather than by your data.

Terms of Use: https://www.cadencemoney.com/terms

Privacy Policy: https://www.cadencemoney.com/policies

What’s new

- Redesigned Cash Flow to include Cash Coverage and the amount remaining after the planned budget
- You can customize what appears in Cash Flow and what is considered in Cash Coverage
- Cash Coverage gives you a summary of its determination when selected
- Goals now have an Add Suggested Amount button when a deadline is present
- Tapping a page button twice will return you to the first subpage
- Bank syncing, goal, reliability, performance, security and spacing improvements