Monthly price
- Cadence Money
- No; annual billing only
- Finnomia
- Core $8.99 CAD/monthAdvanced $14.99 CAD/monthFamily $24.99 CAD/month
FinnomiaCadence Money
Finnomia vs Cadence Money
Two Canadian money apps. Two different strengths.
Cadence and Finnomia are both Canadian-built. Compare Cadence’s low-cost annual plans and native apps with Finnomia’s Plaid and Flinks connections, contribution-room tools and CPP/OAS retirement planning.
Both offer household features, investment tracking and debt tools. Choose Finnomia for its Canadian-focused provider mix and registered-account and retirement workflow; consider Cadence for public mobile apps and lower-priced manual tracking.
Credit card required. Cancel before the 14-day trial ends to avoid a charge. Plans are billed in Canadian dollars; taxes extra.
- Canadian-owned and built
- Prices in Canadian dollars
- Read-only bank connections
Compare at a glance
| Feature | Cadence Money | Finnomia From $5.99 CAD/month on annual Core |
|---|---|---|
| Monthly price | No; annual billing only | Core $8.99 CAD/monthAdvanced $14.99 CAD/monthFamily $24.99 CAD/month |
| Annual price | Cadence C$2.99/monthCadence+ C$4.99/monthPremium C$8.99/month, billed annually | Core $71.88 CAD/yearAdvanced $107.88 CAD/yearFamily $179.88 CAD/year |
| Canadian bank connections | Yes — Cadence+ and Premium | Yes |
| Bank data aggregators | Plaid only | Plaid and Flinks |
| Contribution-room tracking | Not documented | Yes — Advanced and Family |
| Household access | Up to 6 people on every plan | Up to 5 on Family |
Finnomia vs Cadence Money at a glance
Annual price
- Cadence Money
- Cadence C$2.99/monthCadence+ C$4.99/monthPremium C$8.99/month, billed annually
- Finnomia
- Core $71.88 CAD/yearAdvanced $107.88 CAD/yearFamily $179.88 CAD/year
Canadian bank connections
- Cadence Money
- Yes — Cadence+ and Premium
- Finnomia
- Yes
Bank data aggregators
- Cadence Money
- Plaid only
- Finnomia
- Plaid and Flinks
Contribution-room tracking
- Cadence Money
- Not documented
- Finnomia
- Yes — Advanced and Family
Household access
- Cadence Money
- Up to 6 people on every plan
- Finnomia
- Up to 5 on Family
Prices are shown in their billing currency. Annual billing is paid upfront. Monthly equivalents and temporary offers are labelled.
Updated October 14, 2026
Credit card required. Cancel before the 14-day trial ends to avoid a charge. Plans are billed in Canadian dollars; taxes extra.
Which should you choose?
Choose Cadence if…
- You want the lowest-cost option and are comfortable entering or importing transactions manually.
- You want native iOS and Android applications today.
- You need CAD, USD and GBP represented side by side.
- You want net worth and holdings included without moving to a higher tier.
- You want to connect your own AI assistant through MCP.
- You prefer a product that does not plan to include generative AI itself.
Choose Finnomia if…
- You want bank sync included with every subscription.
- You want connections through both Plaid and Flinks, not Plaid alone.
- You want the option to pay monthly.
- You want a Family plan with individual members and a shared household view.
- You want contribution-room tracking for major Canadian registered accounts.
- You want to compare debt avalanche and snowball strategies.
- You want retirement scenarios incorporating CPP and OAS.
Full feature comparison
Finnomia features marked Yes are included on every plan unless a plan is named. Native apps are in internal beta; mobile web access is available now. “Not documented” means we could not confirm a feature in the sources reviewed.
| Feature | Cadence Money | Finnomia |
|---|---|---|
| Plans & pricing | ||
| Available plans | Cadence, Cadence+ and Premium | Core, Advanced, Family |
| Monthly price | No; annual billing only | Core $8.99 CAD/monthAdvanced $14.99 CAD/monthFamily $24.99 CAD/month |
| Annual price | Cadence C$2.99/monthCadence+ C$4.99/monthPremium C$8.99/month, billed annually | Core $71.88 CAD/yearAdvanced $107.88 CAD/yearFamily $179.88 CAD/year |
| Free tier | No | No |
| Free trial | 14 days | 14 days; credit card required |
| Billing currency | CAD | CAD |
| Connections & data | ||
| Canadian bank connections | Yes — Cadence+ and Premium | Yes |
| Bank data aggregators | Plaid only | Plaid and Flinks |
| Connected accounts | Cadence: manual only; Cadence+: 3 banks; Premium: unlimited banks | Core: up to 2; Advanced and Family: unlimited |
| Manual accounts | Yes | Yes |
| CSV import | Yes | Yes |
| Budgeting & everyday money | ||
| Category budgets | Yes | Yes |
| Automatic categorization | Yes | Yes |
| Split transactions | Yes | Yes |
| Budget rollover | Yes | Yes |
| Recurring bills and subscriptions | Yes | Yes |
| Custom alerts | Yes | Yes |
| Receipts and tags | Not documented | Yes |
| CSV export | Yes | Yes — Advanced and Family |
| Goals & Canadian planning | ||
| Goals | Yes | Yes |
| Net-worth tracking | Included on all plans | Yes — Advanced and Family |
| Investment tracking | Yes | Yes — Advanced and Family |
| Cash-flow forecasting | Yes | Yes — Advanced and Family |
| Debt payoff planner | Yes | Yes — Advanced and Family |
| Contribution-room tracking | Not documented | Yes — Advanced and Family |
| CPP/OAS retirement scenarios | Not documented | Yes — Advanced and Family |
| Household & access | ||
| Household access | Up to 6 people on every plan | Up to 5 on Family |
| Web app | Yes | Yes |
| Native iOS app | Yes | Internal beta |
| Native Android app | Yes | Internal beta |
| Other differences | ||
| Passkeys | Yes | No |
| Privacy or discreet-display mode | Yes | No |
| Connect an external AI assistant | MCP support | No |
Prices remain in their stated billing currency. Annual monthly equivalents require annual payment. Taxes, exchange rates and card-provider foreign-currency fees may affect the final charge. Promotional and renewal prices can differ.
Updated October 14, 2026
Finnomia plans and pricing
Choose the plan that fits your needs. All prices are in Canadian dollars.
Core
Everyday budgeting and spending.
- Monthly billing
- $8.99 CAD/month
- Annual billing
- $71.88 CAD/year
- Equivalent to $5.99/month, billed annually.
- Up to 2 connected accounts across up to 2 institutions
- Budgets, bills, transactions and standard goals
- Manual accounts and CSV import
Advanced
Everything in Core, plus financial planning.
- Monthly billing
- $14.99 CAD/month
- Annual billing
- $107.88 CAD/year
- Equivalent to $8.99/month, billed annually.
- Unlimited connected accounts
- Investments, contribution room and net worth
- Cash flow, debt and retirement planning
- Advanced goals and CSV export
Family
Everything in Advanced, together.
- Monthly billing
- $24.99 CAD/month
- Annual billing
- $179.88 CAD/year
- Equivalent to $14.99/month, billed annually.
- Up to 5 members, including the subscriber
- Separate member sign-ins
- Shared household budgets and overview
- Switch between personal and household views
Every plan includes a 14-day free trial. Credit card required. Cancel before the trial ends to avoid a charge. Taxes extra. Compare all Finnomia plan features.
Two Canadian products with different strengths
Cadence now includes household invitations with separate logins and permissions on every plan, debt payoff goals, investment projections and a combined Wealth view. Its base manual plan is C$2.99 a month billed annually; Cadence+ is C$4.99 with three bank connections and Premium C$8.99 with unlimited connections.
Finnomia adds Flinks alongside Plaid and connects everyday budgeting to contribution-room tools and CPP/OAS retirement scenarios on Advanced and Family. Cadence has public native mobile apps, passkeys and a lower-cost manual plan. Finnomia offers monthly billing and a Family plan with up to five people including the subscriber.
Where Cadence is broader
Cadence supports native iOS, Android and web apps today. It also supports CAD, USD and GBP, lists a wider collection of Canadian and US registered account types, includes net worth across its plans and supports connecting an external AI assistant through its assistant integration.
Canadian connectivity is a product priority
Finnomia combines Plaid with Flinks, a provider with deep Canadian financial-data expertise and relationships with Canadian institutions. Flinks gives us a connection option built around Canadian banking alongside Plaid’s broader network.
Support varies by institution and account type. Check our connection status page and try your accounts during the trial. Manual accounts and CSV imports are available on every plan.
More control over everyday money and the longer-term plan
Review transactions, correct categories, split purchases and create rules that reduce repeat work. On Family, you can assign transaction reviews to household members and keep individual transaction details private while sharing balances and spending totals.
Advanced and Family bring investments, net worth, debt payoff and cash-flow forecasts together with Canadian retirement planning. Explore CPP and OAS timing, future contributions and retirement income in today’s or future dollars. These are planning estimates, not guaranteed outcomes.
Why Canadians choose Finnomia
Built for Canadian financial life
Canadian institutions
Flinks adds Canadian financial-data expertise to our Plaid connectivity, giving us another route to support Canadian institutions and resolve connection issues. Check your institution and account type on our connection status page.
Canadian accounts
Track TFSA, RRSP, FHSA and RESP contribution room alongside investments and net worth on Advanced and Family.
Canadian retirement
Model retirement income and compare CPP and OAS claiming assumptions as part of a broader drawdown plan.
Canadian-dollar pricing
Know what your subscription costs without converting a US-dollar list price or paying a foreign-currency card fee.
Household finances without shared passwords
The Family plan supports up to five members with shared household budgets and a combined household view.
A Canadian social purpose
Five percent of Finnomia’s profits support Canadian charities advancing financial and economic literacy.
FAQ
Sources
- Cadence pricing
- Cadence homepage
- Cadence synced accounts
- Cadence multicurrency
- Cadence smart features
- Finnomia pricing
- Finnomia features
- Flinks Canadian coverage documentation
- Cadence releases through October 12, 2026
Published by Finnomia. We compare public product, pricing and support documentation with Finnomia’s available features. Source names appear above. Prices, features and institution support can change. Where a feature is not established in the reviewed documentation, we say so rather than treating it as unavailable. Mint information is historical.
Cadence Money is a trademark of its respective owner. Finnomia is not affiliated with Cadence Money.
See your Canadian financial life in one place
Connect your accounts, understand your spending and build a clearer plan for what comes next.
Credit card required. Cancel before the 14-day trial ends to avoid a charge. Plans are billed in Canadian dollars; taxes extra.