Cadence Money – a budgeting app with no AI features, just an MCP server
I 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…
Cadence Money – a budgeting app with no AI features, just an MCP server launched on July 29, 2026 with 8 votes, #2,235 of 24,623 launches that month and more than 75% of that year's launches.
What it does
Cadence Money is a simple, smart, privacy-focused budget and net worth tracking app that lets you pay for exactly what you need and nothing you don't. Made in Canada by a 1Password builder for Canadians and Americans. Track your budget, net worth, goals, income, bills, and holdings. Get insights, suggestions and historical reports on spending, budget adherence, gains and more. Available across iOS, Android, and web.
A privacy-first personal finance app for Canada and the USA. Track budgets, net worth, goals, bills and investments across iOS, Android and web.
The Canadian budgeting app that makes money simple. Created by a 1Password builder. Cadence Money is proudly owned and operated in Canada . Most features are built with Canadians in mind first - never an afterthought. We have full coverage of Canadian account types while also offering support for multiple currencies, USA-based banks and USA account types. Convenient tools built to work with you to balance your financial life. See your cash flow, budgets, and recent activity together the moment you open Cadence. Set monthly and annual budgets, track income and bills, and understand your cash flow. Build an emergency fund, save for vacation or plan for retirement. We'll help get you to your…from cadencemoney.com
In the maker’s words, at launch
I 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…
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For years, I have struggled to understand my cash flow and save for the future. In addition to that, my wife has many credit cards and accounts that complicate matters. I am building a tool that connects all our accounts, helps us create a budget, and tracks and adjusts expenses on the fly. I am also sprinkling some AI magic on it for financial suggestions. I am looking for feedback on the implementation. More importantly, I am looking for more beta testers to improve the product.
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Treasury AIJun 2026 · treasury.sh · ▲20Hi HN! I'm excited to share that Treasury (https://treasury.sh) is now available on the iOS App Store. Treasury is a personal finance app I've been building, and we just opened up our public beta. We'd love your feedback. Currently, Treasury has a set of core building blocks that let you create financial setups as simple or as complex as you want. You can track your net worth, analyze spending, spot recurring transactions, and build budgets that actually match how you think about money. Download it from the App Store and let me know what you think.
Source: Show HN post ↗ · launch text quoted in part
Launched alongside, July 2026
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