Cadence Money vs Payback+

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 modern and easy-to-use 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. The app works seamlessly across iPhone, iPad, iPhone Duo and the web with everything staying in sync. Know What You Can Spend - 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 Never Miss a Bill - Recurring bills, subscriptions and income are detected for you - See every bill and payday on a calendar - Price increase alerts catch a bill that is not the amount you expected Everything at a Glance - Immediately know how much you have left to spend or your current net worth - Customize Home by reordering or turning off widgets - Add home screen widgets to check in without opening the app See Your Whole Net Worth - Visualize your entire net worth - not just cash - Bank accounts, investments, real estate, vehicles, jewelry and more - Credit cards, loans and other debt sit alongside what you own - Track your portfolio in Holdings, with daily prices on stocks and ETFs Share With Your Household - Invite up to 5 Household Members at no extra cost - Everyone signs in as themselves, and you choose what each person can change - See who added and last edited everything - Keep items private, and switch between Everything, Household and Personal views Reach Your 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 Understand Your Spending - See spending by category, how each budget did, and what changed month to month - Recap walks you through your strongest month, where the money went and how your goals moved - Search every transaction, or filter by category, merchant, budget or account 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 - See how your categories compare to regional averages - Suggestions for budgets, bills, income and goals, drawn from what is actually in your data - Transaction rules set the category, assign a budget, or link a bill, income source or goal, even on past transactions - Every insight and suggestion is a toggle - keep the ones that help, turn off the rest 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 your transactions, or delete your account and all its data, 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 differ only in how many banks you can sync - Plans are billed annually Made in Canada, independently. Paid for by subscriptions rather than by your data. Terms of Use: https://www.cadencemoney.com/terms Privacy Policy: https://www.cadencemoney.com/policies

Payback+ keeps payments, updates, and shared spending on track — privately and friction-free. Chasing friends for money is rarely the hard part because of the amount. It is hard because you are too busy to chase, forgot to chase, or it is simply too awkward to chase. Payback+ is built to solve exactly that. Instead of jumping between chats, payment apps, and mental notes, Payback+ keeps shared spending, payment updates, and settlement records in one place — so you can stay on track without constantly following up. When friends pay, you can see that they have paid and how they paid. When you need to pay someone, you can go straight to their preferred payment method. No more asking, “PayMe or FPS?” No more digging through old messages. No more higher chance of sending money to the wrong person. And because privacy comes first, only approved friends can see the payment details needed to pay you. With Payback+, you can: • Track money in and money out in one app • See who has paid, who has not, and what still needs action • Get notified when friends say they have paid • Pay friends the way they prefer • Reduce the chance of paying the wrong person • Keep clearer shared records without extra effort • Avoid awkward reminders and messy back-and-forth • Use it for free, with no usage caps or group limits Payback+ helps handle the follow-up, so you do not have to. Less chasing. Less friction. Less awkwardness. Just clearer payments, smoother coordination, and better friendships.