Built in Québec, Canada

The budgeting app built for Canadians.

Your spending, budgets, investments and debts in one secure dashboard across CAD and USD. Every currency, one number.

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Check if your bank is supported → See how it compares ↓
Free plan, no card, no time limit Auto-sync $99 CAD a year

Read-only connections through Plaid & SnapTrade. Mozaic can’t move your money or see your banking password. How we keep it safe →

Net worthBase: CAD
C$248,910.71
↑ C$3,830.00 this month+18.2% all time
150k200k250kC$248,910Sep 2025DecMarJunSep 2026
  • WealthsimpleTFSAC$41,208.55
  • QuestradeRRSPC$63,904.12
  • Interactive BrokersMargin · USDC$65,560.78US$48,210.00 × 1.3599, today's rate
  • HomePropertyC$495,000.00
  • MortgageRBC−C$416,762.74

The whole picture,
in your currency.

Three things Mozaic does for Canadian money, built for Canadian accounts, not adapted from a US app.

Know what you’re worth

Every account, asset, and liability, folded into one number, across CAD and USD.

Total assets
C$665,673.45
+C$3,415.00 this month
Total liabilities
C$416,762.74
↓ C$415.00 paid down this month

Any currency, one number

Foreign holdings fold into your CAD net worth at the daily exchange rate, not a stale monthly average, and never a guess.

Stay on top of your Canadian accounts

TFSA, RRSP, and FHSA as first-class account types, with estimated contribution room, the way the CRA counts it.

TFSA contribution roomCRA figureOn track
C$12,340
estimated room left for 2026
Contributed C$30,160Room C$42,500
Based on your CRA figure as of January 1, 2026.

Registered accounts, native

TFSA, RRSP, and FHSA are first-class account types with their own rules. Enter your CRA starting balance once, and Mozaic tracks your contributions, withdrawals, and estimated remaining room, and flags when you’re getting close to your limit. Canadian account types, modelled around Canadian rules.

Make better monthly decisions

Budgets, recurring bills, and goals, built from how you actually spend.

Budgets27 days left
  • GroceriesC$412 / C$600
    C$188 left
  • SubscriptionsC$156 / C$150
    C$6 over

Budgets built backwards

Start from how you actually spend. Mozaic groups your last months of transactions into suggested budgets. Edit the amounts, then go live.

RecurringC$1,754.13 due
  • RentC$1,650.00
    Monthly · in 3 days
  • Hydro-QuébecC$92.14
    Monthly · in 5 days
  • SpotifyC$11.99
    Monthly · in 7 days · up C$1.00

Recurring, before it hits

Mozaic spots your bills and subscriptions, shows what’s due this week, and flags the ones that quietly went up, so a renewal never catches you off guard.

Emergency fundSuggested
C$11,300
of C$23,100
C$525/mo fits your headroom23 months to go

Goals sized to your life

Mozaic reads your real headroom and proposes goals that actually fit: emergency fund, down payment, the next big trip.

For investors

Optional, for when you want to see how your portfolio is really doing.

How you stack up
Total return, rebased to 100 · dividends reinvested
Your portfolio+13.93%
S&P/TSX 60+11.80%
S&P 500+14.25%
Canadian bonds+2.25%

Benchmarks on equal terms

Your portfolio against the S&P/TSX 60, S&P 500, and the indexes that matter: total return, dividends reinvested, rebased to 100. See whether you’re actually beating the market, not just going up.

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Free plan · no card to sign up · Google or email
Laurent Risser, founder of Mozaic Finance

“Before I let anyone else use it, Mozaic ran on my own household’s accounts for over a year. Most early decisions were made by the person who would have to live with them.”

Laurent Risser Founder · Longueuil, Québec Read the full story →

Everything else in the box.

The three stories above are the point. This is the surface area behind them.

CSV import

Bring history from any bank that exports a file.

Category rules

Teach it once and it sticks.

Automatic categorization

Transactions sorted as they arrive.

Duplicate detection

Catches the same transaction entered twice.

Recurring detection

Finds your bills and subscriptions.

Budget alerts

Hear about it before you blow past a category.

Savings goals

Target, deadline, and every contribution logged.

Time-weighted returns

Performance your deposits cannot flatter.

Assets and liabilities

Property, vehicles, loans and cards.

Business and personal ledgers

Two sets of books, one login.

Two-factor authentication

TOTP on your account.

Dark mode

Follows your system, or pick one.

Four languages

English, French, Spanish and Chinese.

Full data export

Your data leaves whenever you want.

See where every dollar goes.

Every paycheque and every purchase, folded into one flow: income in on the left, where it all landed on the right. No spreadsheet, no guesswork.

Salary/Wages C$8,480 · 93.6% Dividends · 4.4% Other income · 2.0% Total incomeC$9,060 Savings16.1% Housing22.6% Food & Dining13.0% Debt Payments10.4% Transportation7.6% Shopping7.5% Entertainment6.7% Taxes5.5% Children & Family4.4% Healthcare3.2% Miscellaneous3.0% Rent / Mortgage16.8% Utilities5.8% Groceries9.8% Restaurants3.2% Clothing & Shoes3.2% Online Shopping3.2% Other1.1% Hobbies & Leisure3.2% Travel2.6% Events0.9% Childcare3.6% Books & Supplies0.8% Pharmacy1.8% Medical1.4%
  • Income
  • Essentials
  • Lifestyle
  • Savings

A personal-finance app that
speaks Canadian.

Monarch and Copilot are excellent, but they’re built around a US-first financial system. Mozaic brings the same budgeting to Canadian accounts, CAD and USD totals, and registered plans.

Comparison of Mozaic Finance, Monarch Money, and Copilot Money
Mozaic FinanceBuilt for Canada MonarchUS-first CopilotUS-first
Everyday budgets from real spendingCategories built from your actual transactions Yes Yes Yes
Spending & cash-flow insightsWhere your money goes, month over month Yes Yes Yes
Canadian registered accountsTFSA, RRSP & FHSA, with contribution room estimates Built in Generic Generic
Totals in Canadian dollarsUSD accounts folded in at the daily rate Default USD-first USD-first
Benchmark against Canadian indicesTrack your returns against the S&P/TSX, not just US markets S&P/TSX 60 US index only US index only
Built for CanadaMade here, priced here, supported here Yes US-first US-first
Native mobile appA dedicated iOS / Android app Web app Yes Yes
Free plan, no cardTrack by hand for as long as you like Yes 7-day trial 30-day trial
PriceAnnual plan $99 CADper year $99.99 USD/yr $95 USD/yr

We chose the comparison points, so we’ve also flagged where Mozaic trails. Prices are annual list prices in each company’s own currency. Competitor details were checked against public pricing and documentation in June 2026. See something outdated? Let us know.

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No card required · free plan, no time limit

Read-only by design.
Uneventful on purpose.

Read-only connections

Accounts link through trusted aggregators with read-only access. Mozaic can never move, hold, or touch your money.

Per-user encryption

Each user's data is encrypted at rest under its own key, held in Google Cloud KMS; TLS 1.3 in transit. Credentials go to your bank's aggregator. They never touch Mozaic's servers.

Data stays in Canada

Your financial account data is stored in Canadian data centres, under Canadian privacy law (PIPEDA, and Québec’s Law 25).

Never sold, ever

You are the customer, not the product. No ads, no data sales, no "anonymized insights" sold out the back door.

Free to use. Pay to auto-sync.

Free · track by hand
$0 CAD · NO TIME LIMIT

Manual accounts and transactions, CSV import, budgets, goals, contribution room and your net worth across CAD and USD. No card, no expiry.

Start free →
No card required · nothing is deleted if you stay on the free plan
Add-on · automatic connections
$99 CAD · PER YEAR

Or $12.99/month, cancel anytime. The first 14 days are free: you add a card when you connect, and nothing is charged before the trial ends.

  • Connect your banks, cards & brokerages
  • Balances and transactions that refresh themselves
  • Reconnect whenever a bank asks you to re-authenticate

The short version.

What's free, and what do I pay for?
Tracking by hand is free, with no time limit and no card: add accounts and transactions yourself or import a CSV, and keep your budgets, goals, contribution room and your net worth across CAD and USD. The subscription covers two things: connecting a bank or brokerage so your balances and transactions update themselves, and AI categorization for synced and imported transactions your rules leave uncategorized.
Is my bank supported?
Mozaic connects to most major Canadian banks and brokerages through our aggregator, and we're adding more all the time. If yours isn't available yet, or a connection is temporarily down, you can track that account manually or import a CSV, and tell us so we prioritize it.
How does the currency conversion actually work?
USD-denominated assets are converted at the daily exchange rate, refreshed every business day. Your net worth is always stated in CAD, and you can flip any account to view its native currency.
How is contribution room estimated?
You set your starting room once, from your CRA My Account, and Mozaic estimates your remaining room from there, tracking every contribution and withdrawal, including FHSA carry-forward and TFSA re-contribution rules. It flags when recorded contributions approach your estimated room, and because it's an estimate, it's easy to reconcile against the CRA anytime.
Can I switch from Monarch or Copilot?
Switching from another app? You don't need to export anything first: Mozaic connects directly to your banks and brokerages and imports the transaction history each institution makes available. There's no one-click Monarch or Copilot import yet, so if you'd rather bring things over by hand, you can add accounts manually or import a CSV. You can connect your first institution in a few minutes, and your registered accounts will finally be labelled correctly.
What happens when the trial ends?
If you stay on Premium, your card is charged for the plan you chose and your banks keep updating themselves. If you cancel before it ends, nothing is charged and nothing is deleted: you move to the free plan, where your accounts, history, budgets and goals stay put and you keep adding to them by hand. Only automatic syncing stops. The trial starts when you connect your first bank or brokerage, which is when we ask for a card, and we email you three days before it ends.

See your money whole.

Start free →
No card to sign up, no password to create. Google or email, in under a minute.

Guides for Canadian money.

Comparison

Best Mint alternatives for Canadians in 2026

Seven replacements compared, with a clear pick for each type of user. No affiliate links.

Read the guide → Guide

Hardbacon shut down. What should Canadians use instead?

The shutdown timeline, what you can still export, and the apps worth a real look in 2026.

Read the guide → How-to

Track multiple brokerage accounts in one place

Consolidate Wealthsimple, Questrade, and IBKR into one net-worth picture, and see how the bank-owned brokerages compare.

Read the guide →

All guides live on the blog, and every term is defined in the glossary. Free tools, too: the TFSA contribution-room calculator, the RRSP contribution-room calculator, and the FHSA contribution-room calculator.