# Cadence Money: Budget Tracker — Spending, Net Worth & Goals > Spending, Net Worth & Goals (iPhone/iPad app by Cadence Money Inc..) - Source: https://appshunter.io/ios/app/cadence-money-budget-tracker/id6759767290 (this page in markdown: same URL + `.md`) - Developer: [Cadence Money Inc.](https://appshunter.io/developer/1880560454) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.0 · 21 MB - Languages: American English - Released: 2026-07-22 - Data updated: 2026-09-12 - User reviews in markdown: https://appshunter.io/ios/app/cadence-money-budget-tracker/id6759767290/reviews.md ## What is Cadence Money? 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 - 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 if you want - 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 ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Cadence | $26.99 | per year | | Cadence+ | $53.99 | per year | | Cadence Premium | $94.99 | per year | ## Version history (last 5 releases) ### 1.0.19 — 2026-09-11 - New: Recap in Reports, a look back at your spending, saving and net worth after three months - A reconnected account comes back as the same account, with the same transactions - An imported transaction you link to a bill stays linked, and the bill shows it - A Goal Fund credit sent to your WorryFree limit comes back in full - A bill paid before its due date counts in the month you paid it when imported - On iPad the app follows your window size as you resize it - Faster dashboard loading - Time range skeletons sized to their label - Calendar colours, sign-in, billing and security improvements ### 1.0.18 — 2026-09-08 - New: Turn a completed goal into a Goal Fund and track what you spend from it. Move a Goal Fund's leftover into any budget or your WorryFree limit - New: A stat summary above your goals with saved, pace and debt paid - New: Archive a goal to freeze it in place, finished or not - New: Connect Bank shows banks that might be having connection issue with Plaid - New: Pick or create an account for a CSV import, with the balance read from the file - New: See and disconnect your connected apps in Settings > Security - Onboarding in Canada leads with CSV import - Currency, budget accuracy, billing and security improvements ### 1.0.17 — 2026-09-05 - New accounts get a day to set Cadence up before choosing a plan - Choose which of your manual accounts a CSV import belongs to, and set that account's balance from it - The CSV importer finds duplicates before they are imported - Undo a CSV import from Settings > Imports - Review Duplicates now finds duplicates between imports - Source is now called Account in detail views and filters - Manual accounts of every type now show their transactions and logo - Bulk deleting synced transactions now sends them to Recently Deleted - Leave a review from Review Cadence in the profile menu - they help a lot! ### 1.0.16 — 2026-09-03 - You can now sync your investment institutions! Get up-to-date information on your holdings automatically. Each synced investment institution counts towards your total synced bank total. - When you link the same institution as a bank and investment, the investment accounts will be hidden from Net Worth views and only show in Holdings. - Some highly variable synced Holdings like Cryptocurrency will use market prices instead of closing prices when viewing the Holding for more accurate pricing. - You can update existing connections when new accounts are added to them without disconnecting first. - Various stability and reliability improvements. ### 1.0.15 — 2026-08-30 - More time range options in Reports: quarter, year-to-date, and rolling 3, 6 and 12 months. - Filter any transaction list by merchant. - See all transactions in Budget > Overview. - Names of synced transactions are more direct. - Improved layout, consistency and backgrounds of onboarding. - Various performance, reliability and security improvements. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-12.*