Cadence Money
a budgeting app with no AI features, just an MCP server
Details
- External ID
- 49097110
- Source
- HN
- Company
- —
- Product
- Cadence Money
- Website domain
- cadencemoney.com
- Launched
- July 29, 2026
- Cohort
- —
- Upvotes
- 8
- Upvotes percentile
- 0.46176821983273597
- Tags
- —
- Fetched at
- Sept. 8, 2026, 8:28 p.m.
- Updated at
- Sept. 8, 2026, 8:28 p.m.
Description
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 bookAfter 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.
Enrichment
- Theme
- personal finance and expense trackers
- Vertical
- Fintech
- Function
- Vertical SaaS
- Audience
- B2C
- AI stance
- Not AI
- Project type
- Commercial product
- Normalized one-liner
- budgeting app with mcp server integration
- Manually corrected
- False
Could you build this?
Partial While the budgeting UI and MCP server are easy to vibe code, integrating reliable, secure bank aggregators (Plaid, Flinks) and compliance for financial data requires production backend rigor.
What it would actually take: A functional production personal finance app requires direct integration with banking aggregators like Plaid, MX, or Flinks with complex webhook handling, token refresh flows, and multi-currency deduplication pipelines. The backend needs robust zero-knowledge or client-side encryption architectures, regulatory compliance for financial privacy, and multi-tenant financial sync state machines. Real-world financial integrations and strict data security compliance represent the hard barriers.
Discussion
2 comments analyzed.
Concerns raised: Difficult market to make money in, Budgeting app market has high competition
Competitors
Other products that read as similar to this one — 189 launches clear the similarity bar, closest 8 shown.
Attention rank: #87 of 190 (itself plus its competitors, highest first — normalized so YC and Product Hunt are compared fairly).
Launched 273 days after the earliest competitor.
- We charge $10/mo for wealth management that costs $100 elsewhere · hn · 2025-11-13 · 7 upvotes · similarity 0.52
- Pane · hn · 2026-03-03 · 10 upvotes · similarity 0.50
- Track Token usage for major platforms,know your token flow · hn · 2026-07-03 · 5 upvotes · similarity 0.48
- I quit coding years ago. AI brought me back · hn · 2026-01-19 · 314 upvotes · similarity 0.47
- Fungible · hn · 2026-05-25 · 30 upvotes · similarity 0.47
- I made a simulator for personal finance (5 year update) · hn · 2026-05-03 · 7 upvotes · similarity 0.46
- HCB Mobile – financial app built by 17 y/o, processing $6M/month · hn · 2025-12-03 · 176 upvotes · similarity 0.45
- I built a free app for New Yorkers to save money on groceries · hn · 2026-07-10 · 13 upvotes · similarity 0.45
Other launches for this product
- No other launches for this product.
Same idea, different domain
Nobody's really built a vertical saas tool for Insurance yet.