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Cadence Money
Canadian budgeting, net worth and goals app for iOS, Android and web that has no AI of its own but offers an MCP server.
www.cadencemoney.comActive
Release notes list v1.2.8 on 2026-10-26 and several releases a week in October 2026. (checked 2026-10-25)
In Budgeting apps
Where it stands apart
- How do people pay for it? subscription (14% of 21 others)
What it shares with most of the community
- Is it actively maintained? active (90% of 21 others)
- How is the main thing licensed? proprietary or closed source (71% of 21 others)
- Who is it for? non-developers (76% of 21 others)
- Does it have built-in AI features, and where does the AI run? no built-in AI (55% of 20 others)
- Can two or more people (a couple or household) work on the same finances in it? yes (53% of 15 others)
Nearest neighbors
- Monarch Money 81% of 16 shared answers match
- YNAB (You Need A Budget) 76% of 17 shared answers match
- Dibba 63% of 16 shared answers match
Every answer
| Question | Answer | Source |
|---|---|---|
| Is it actively maintained? | active | source 2026-10-26 |
| How is the main thing licensed? | proprietary or closed source | source 2026-10-26 |
| How is it mainly sustained? | company with a paid product, tier, or ads Cadence Money Inc., founded by ex-1Password builder Travis Hogan; paid plans. | source 2026-10-26 |
| Can it run entirely on your own device or infrastructure, without the maker's servers? | no, it needs the maker's servers | source 2026-10-26 |
| Do you need an account to use it? | account required Sign-up with 14-day trial. | source 2026-10-26 |
| Who is it for? | non-developers | source 2026-10-26 |
| Which shared standard or format does it mainly build on? | none of these (its own format or interface) Aggregator not named; CSV export only. | source 2026-10-26 |
| How do transactions mainly get in? | automatic bank sync through an aggregator (Plaid, SimpleFIN, Enable Banking, GoCardless) Sync Canadian or US banks on Cadence+ and Premium; base plan is manual. Aggregator not named on the home page. | source 2026-10-26 |
| Can it sync with your bank automatically, and does that cost more than the app itself? | yes, for an extra cost (a higher tier or a separately paid sync service) Base $2.99 CAD/month has no bank sync; Cadence+ ($4.99) syncs three banks. | source 2026-10-26 |
| What is the main way it helps you budget? | category limits or monthly targets Monthly, annual or 'WorryFree' budgets. | source 2026-10-26 |
| In the default setup, where is your financial data mainly stored? | on the maker's servers (including synced copies) | source 2026-10-26 |
| Does it have built-in AI features, and where does the AI run? | no built-in AI 'We aren't building an AI assistant.' | source 2026-10-26 |
| Can you point your own AI assistant at your data (MCP server, agent skill, or open API)? | yes MCP server for ChatGPT, Claude and others; read-only. | source 2026-10-26 |
| How do people pay for it? | stands apart subscription All plans are subscriptions after a 14-day trial. | source 2026-10-26 |
| Where do you mainly use it? | phone app iOS, Android and web. | source 2026-10-26 |
| Can two or more people (a couple or household) work on the same finances in it? | yes Invite up to five household members. | source 2026-10-26 |
| Is privacy the headline of how it presents itself? | mentioned, but not the headline 'Private by design', no data selling or AI training; headline is Canadian-owned and simple. | source 2026-10-26 |
Sources
This page was derived from:
- Web page · www.cadencemoney.com · read 2026-10-25
- Web page · www.cadencemoney.com/about · collected 2026-10-26
- Web page · www.cadencemoney.com/releases · collected 2026-10-26
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