Cadence Money: Budget Tracker

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 AI 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