Show HN: Cadence Money – a budgeting app with no AI features, just an MCP server
cadencemoney.comI thought I could make a personal finance app that was simpler, smarter and more privacy-focused than Monarch, YNAB and Copilot. I believe I have, but today that's up to you.
While the classic story of using a variety of "analog" tools to manage money does apply to me, the main pillars that pushed me to build Cadence Money were:
- Pay for the level of syncing that's used including none
- No built-in AI
- Fully cross-platform including mobile browsers
- Passkeys available day one
- Proper Canadian support
- No ads even for a book
After seven years at 1Password as a Lead PM, I can safely say working on Cadence has been the most fulfilling part of my career. Really thankful for friends, family, and now strangers for helping shape Cadence. It has every feature we needed, and nothing we didn't. I also created an MCP server so you can choose how much AI you want in your finances. Read-only at this point, but open to adding write access in the future to clean up CSV imports. Fair warning that Claude gets sassy if you flex your ability to buy a new monitor.
Plans start at $2.49 CAD/$1.99 USD monthly billed annually. 14-day trial (card required). iOS, Android, web. Proudly made in Canada. This is a well-presented website and looks like a good set of features. I always thought of creating one of these for myself, but I don't think it's a very easy market to make money in. Good luck with it. Thanks for the kind words! Cliche, but I'm not too concerned with making money. Sustainable would be cool. I'd rather try to get something that's really useful in the hands of more people than the current budgeting app market does without tradeoffs. :)