Mozaic Finance Cash-flow tracking

A cash-flow tracker that shows where the money actually went

Money in, money out, categorized, across every account you hold. Mozaic turns the transactions from your banks and brokerages into a clear picture of your monthly cash flow, and puts it on the same screen as your net worth and holdings instead of in a separate budgeting app.

Most people can name their salary and their rent. Far fewer can say where the rest went last month without exporting a spreadsheet. A cash-flow tracker answers that question automatically: it reads the transactions you already have, sorts them into inflows and outflows, and shows the shape of your month. Mozaic does this across connected and manual accounts together, and keeps it next to the rest of your financial picture.

What the cash-flow tracker shows

  • Money in versus money out for any month, quarter, or year, with the net difference made obvious.
  • Spending by category: housing, food and dining, transportation, and the rest, so the total breaks down into parts you recognise.
  • A Sankey view that follows your income out to where it landed, category by category.
  • Month to date versus last month, so you can tell mid-month whether you are running heavier or lighter than usual.
  • Drill-down to transactions, so any category or bar opens the individual purchases behind it.

Where the data comes from

The tracker works from your transactions, wherever they originate. Bank accounts connected through Plaid, brokerage accounts connected through SnapTrade, and manual transactions you enter yourself all feed the same view. Only active accounts count toward the totals, so archiving an old account cleanly removes it from the picture. In practice most of the volume comes from your connected chequing and credit-card accounts, which is exactly where day-to-day cash flow lives.

How categorization works

Good cash-flow tracking depends on good categories, so Mozaic layers two sources. Where your bank already provides a category, Mozaic uses it. Where it does not, Mozaic asks Gemini to categorize the transaction, then saves that answer as a rule for the same merchant, so the next time the same coffee shop or subscription appears it is categorized instantly and at no additional cost. Anything that genuinely cannot be placed is left as uncategorized rather than forced into the wrong bucket, and you can override any category by hand.

Transfers and savings are not spending

A common failing in cash-flow tools is counting a transfer to savings as an expense, which makes a disciplined month look reckless. Mozaic treats money moved between your own accounts, and money moved into savings or investments, as reallocations, and excludes them from the inflow and outflow totals. Paying yourself into a TFSA is not spending, and the tracker does not pretend it is.

Cash flow next to net worth

Because cash flow lives in the same app as your accounts and holdings, you see spending in the context of everything you own, not in isolation. If you are choosing a tool, our roundup of the best Mint alternatives for Canadians covers the options, and the comparison with Monarch Money covers how Mozaic's integrated approach differs from a dedicated budgeting app.

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Frequently asked

Both. Transactions from banks connected through Plaid, brokerages connected through SnapTrade, and anything you enter manually all flow into the same cash-flow view. Only active accounts count toward the totals, so an account you have archived stops affecting the numbers.
Where your bank provides a category, Mozaic uses it. Where it does not, Mozaic asks Gemini to categorize the transaction and then saves that result as a rule for the same merchant, so a repeat purchase is categorized instantly and at no further cost. Anything that cannot be placed is bucketed as uncategorized rather than forced into the wrong group, and you can correct any category by hand.
No. Moving money between your own accounts, and money moving into savings or investments, are treated as reallocations rather than spending, so they are excluded from the inflow and outflow totals. This keeps a transfer from your chequing to your TFSA from showing up as if you had spent the money.
Cash flow can be viewed by month, quarter, or year, with a history chart that also supports a daily breakdown. A month-to-date view compares where you are this month against the same point last month, so you can see whether the month is running heavier or lighter than usual before it ends.
The Sankey diagram draws your income on one side and follows it out to each category of spending, saving, and investing, so you can see at a glance where the money actually went. Clicking into a category drills down to the underlying transactions, so the summary and the detail are never more than a click apart.
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