One net worth.
CAD and USD,
honestly.

The only Canadian finance dashboard with TFSA, RRSP, and FHSA as native account types — not generic investment buckets. Your US brokerage assets fold into one CAD net-worth number at the right FX rate. The Monarch and Copilot alternative for Canadian aggregation.

Start free for 14 days → Sign in
Read-only
Bank connections, always
Any currency
Native conversions, live FX
14 days
Free trial, no card
IN Apr 15
Salary · Acme Co.
+ $6,200.00
OUT Apr 18
Rent · April
– $2,150.00
NET · APRIL on track
Composed so far
$3,227.65
🍁Built for Canada
Every bank, every broker — composed into one quiet picture.
Every major Canadian bank and the brokers SnapTrade covers · See the full list →
Connected securely via Plaid · SnapTrade · Read-only · 256-bit TLS
The dashboard

Not a spreadsheet.
A month, read aloud.

Your accounts become a story: what came in, what went out, and the calm space between.

mozaicfinance.com / dashboard
Good morning, Laurent. April 2026 — day 19 of 30
Last sync
Apr 19 · 09:14
Net worth · total
C$112,478.49
↑ C$2,182.08 +1.94% · past 30 days
All-time return
+10.79%
Accounts · Holdings
8 · 14
What you get

Seven tools,
one quiet picture.

01 / CANADIAN ACCOUNTS
TFSA, RRSP, FHSA — first-class, not generic buckets
Mozaic models every registered Canadian account natively, by tax wrapper. Monarch, Copilot, and Wealthica lump them all into one undifferentiated "investment" line.
Generic tracker view
INVESTAccount 1C$64,312
INVESTAccount 2C$8,140
INVESTAccount 3C$48,720
INVESTAccount 4C$12,800
INVESTAccount 5C$36,440
5 accounts · 1 bucket
Mozaic view
TFSAWealthsimple TFSAC$64,312
FHSAWealthsimple FHSAC$8,140
RRSPIndividual RRSPC$48,720
RESPFamily RESPC$12,800
LIRAAcme Inc. LIRAC$36,440
5 accounts · 5 tax wrappers
02 / FLOW
Watch the rhythm of income vs. expenses, month by month
Each month stacks income above zero and expenses below — with a net cash flow marker so you can read the gap at a glance.
18K
9K
0
−9K
−18K
Income (area)
Expenses (area)
Net cash flow
YTD Net Cash Flow −C$30,212 · Across 3 tracked months
03 / ACCOUNTS
Every account, one roof
Chequing, credit cards, TFSA, RRSP, Margin, HELOC — composed together and kept in sync, in both Canadian and US dollars.
R
RBC Day-to-DayChequing · CAD
$4,820.12
W
Wealthsimple TFSAInvest · CAD
$64,312.48
Q
Questrade MarginInvest · USD
$12,480.55
T
TD MortgageLoan · CAD
−$318,420
04 / GOALS
Goals that stay visible
Emergency fund, Japan trip, house down payment — track progress and monthly contribution in one glance.
Emergency fund$14,200 / $20,000
House down payment$18,400 / $60,000
Japan trip 2027$3,100 / $8,500
05 / INVEST
Holdings, honestly
Cost basis, P&L, today's movement, and value — across every brokerage, in one ledger.
Symbol P&L Trend Value
V
VFV.TO
Wealthsimple TFSA
 +12.1% C$11,320
T
TD.TO
TD Direct
 +8.9% C$9,684
S
SCHG
Individual RRSP
 +4.4% C$1,533
B
BTC
Wealthsimple Crypto
 −23.4% C$2,273
06 / CATEGORIES
Where it really goes
No blunt-tool tagging. Mozaic learns your merchants, respects your edits, and never asks twice.
Rent & utilities47%
Groceries13%
Dining11%
Shopping9%
07 / BENCHMARKS
See how you stack up against the markets
Total return rebased to 100. Compare your portfolio against the S&P/TSX 60, S&P 500, total market funds, and bonds — price-only, dividends reinvested where applicable.
Your portfolioYOU
+13.69%
PORT
S&P/TSX 60
+6.30%
XIU.TO
S&P 500 (US)
+3.13%
SPY
Total US Stock
+3.28%
VTI
Total Intl Stock
+2.90%
VXUS
CA Aggregate Bond
−0.11%
XBB.TO
Nov 2025JanMarApr 2026

Convinced?

Start free for 14 days →
How it works

Sixty seconds
to your first mosaic.

01

Connect, securely

One-click linking with every major Canadian bank and the brokers SnapTrade covers. Read-only. Always.

~ 45 sec
02

We compose the picture

Mozaic deduplicates, reconciles currencies, and names each transaction like you would. No messy imports.

automatic
03

You read the story

Open your Flow view and see exactly where April is going — with enough space to feel it, not just scan it.

every morning
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 →
Questions

The short version.

Banks · via Plaid
RBC Scotiabank BMO CIBC National Bank Tangerine Simplii Desjardins EQ Bank TD Canada Trust ATB Financial KOHO
Brokers · via SnapTrade
Wealthsimple Trade Interactive Brokers TD Direct Investing Questrade Qtrade RBC Direct Investing BMO InvestorLine Scotia iTrade
Read-only bank connections via 256-bit TLS and bank-grade OAuth. We never store your credentials. You can revoke any connection in one tap, and deleting your account wipes everything within 30 days, or immediately if you choose.
Mozaic is Canada-first. We connect to all six major Canadian banks (RBC, TD, Scotiabank, BMO, CIBC, National Bank), the digital banks (Tangerine, EQ, Simplii), and the Canadian brokerages SnapTrade covers (Wealthsimple, Questrade, plus TD Direct Investing and BMO InvestorLine on the bank-owned side) through Plaid for banking data and SnapTrade for brokerage positions. RBC Direct Investing, Scotia iTrade, CIBC Investor's Edge, National Bank Direct Brokerage, Qtrade, and Disnat aren't in SnapTrade's catalog today and can be tracked in Mozaic as manual assets. TFSA, RRSP, FHSA, RESP, and LIRA are first-class account types — not generic "investment" buckets. US accounts (401(k), Roth IRA) are fully supported too. EU and UK support arrives summer 2026.
No — Mozaic is read-only by design. We show you the picture; you make the moves in your bank's own app. This is a deliberate choice and it keeps the security surface small.
Your data is yours. You can export everything as CSV or PDF, and we delete our copy within 30 days, or immediately if you choose. No dark patterns, no "are you sure?" mazes.
Wealthica is the long-standing Canadian aggregator with a free tier, an add-on marketplace (DRIP, Norbert's Gambit, fee analyzers), and a mature mobile app — best if you're primarily an investor. Monarch is the polished US product that absorbed most Mint refugees, with strong couples features and a flexible budget engine, but it's built for US accounts. Mozaic is the Canadian-built alternative with native TFSA / RRSP / FHSA support, one CAD net-worth number with USD assets folded in at the right FX rate, holdings-level brokerage tracking via SnapTrade, and a flat $99 CAD/year — read the full Mozaic vs Wealthica and Mozaic vs Monarch side-by-sides for the details.

Ready to start?

Start free for 14 days →
Simple pricing

One plan,
every feature.

$99 CAD per year — or $12.99 monthly if you'd rather try month-to-month. Fourteen days free, no credit card.

Annual
$99 CAD / year

That's $8.25 / month — 36% off the monthly price. Refundable pro-rata in the first 30 days.

  • Every Mozaic feature unlocked
  • Unlimited Plaid + SnapTrade connections
  • TFSA / RRSP / FHSA tracking, multi-currency
  • 14-day free trial — no card
Start 14-day free trial →
Monthly
$12.99 CAD / month

Same features. Pay month-to-month if you'd rather try before committing for a year.

  • Every Mozaic feature unlocked
  • Cancel in one click, anytime
  • Switch to annual later and save 36%
  • 14-day free trial — no card
Start with monthly →

See full pricing details & FAQ →

Your money,
composed.

Fourteen days free. No card needed. Sixty seconds to your first mosaic.

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