How it works · Three steps

Connect, aggregate, and see your net worth in one number.

Mozaic is not a spreadsheet you feed by hand. You connect your banks and brokerages once, it pulls in every balance, holding, and transaction on its own, and it gives you a single net-worth figure in your base currency that stays current as your accounts sync. Here is exactly what happens, start to finish.

Banks via Plaid · Brokerages via SnapTrade · Read-only · CAD, USD, and more
01 · Connect

Link your banks and brokerages, read-only

You start by connecting an account. Canadian bank accounts link through Plaid, brokerage accounts link through SnapTrade, and anything an aggregator cannot reach you add as a manual account. Each connection uses the institution's own sign-in, so Mozaic never sees your banking password. Every link is read-only: it can see balances, holdings, and transactions, but it cannot move money or place a trade.

The first sync does the setup for you. It pulls current balances, the individual holdings inside each brokerage account, and up to the last couple of years of transactions, so the picture is filled in from the start rather than beginning at zero on the day you signed up.

02 · Aggregate

Every account under one roof, in one currency

Once accounts are connected, Mozaic brings them together. A TFSA reads as a TFSA and an RRSP as an RRSP rather than a generic bucket, because the registered account types are first-class, with the contribution-room rules built in. Cash, non-registered investments, crypto, credit cards, loans, and mortgages all take their place, and the debts pull the total down where they should.

Currencies are reconciled for you. You pick a base currency, which defaults to Canadian dollars, and every account is converted into it before it is summed. A US-dollar account still shows its native currency on its own card, and the conversion only happens at the consolidated line, using the current exchange rate.

R
RBC Day-to-DayChequing · Plaid · CAD
$4,180.22
W
Wealthsimple TFSAInvest · SnapTrade · CAD
$38,905.44
C
CarManual asset · CAD
$21,500.00
03 · See your net worth

One number, a trend line, and the story underneath

The result sits at the top of your dashboard: net worth as one figure, recomputed on the server every time an account syncs, with the contributing accounts broken out by type underneath. You can see at a glance how much of the total is registered, how much is cash, how much is invested, and how much is offset by debt.

A daily snapshot turns that figure into a trend line you can read over a week, a month, a year, or your full history, and you can backfill the period before you signed up with manual snapshots. Alongside it, your transactions are categorized automatically so your cash flow is grouped without hours of manual sorting.

Next

What to look at before you connect anything

Two questions usually come first. Which institutions can I actually connect, and how safe is it to link them? Both have plain answers. The supported institutions page is the current list of banks and brokerages, kept close to what the aggregators support, and the security page lays out the read-only connections, the encryption, and where your data is stored. When you are ready, the pricing page has the plan and the 14-day free trial.

Setup questions, answered.

Four questions about getting started. Security and pricing are covered in full at /security and /pricing.

A few minutes for the first account and a little longer if you connect several. You sign up, connect a bank through Plaid or a brokerage through SnapTrade, and the first sync pulls your balances, holdings, and recent transactions on its own. There is no spreadsheet to import and no opening balances to type in. You can start with one account to see how it feels and add the rest whenever you like.
Every connection is read-only. Bank links go through Plaid and brokerage links through SnapTrade, using each institution's own sign-in, so Mozaic never sees or stores your banking password and cannot move money or place trades. It can see balances, holdings, and transactions and nothing more. The data lives in Google Cloud's Montreal region, under Canadian privacy law. The full security posture is on the security page.
The big six Canadian banks and dozens of smaller ones connect through Plaid, and brokerages like Wealthsimple, Questrade, Interactive Brokers, and the bank-owned direct-investing arms connect through SnapTrade. Coverage changes as the aggregators add institutions, so the supported-institutions page is the current list. Anything an aggregator cannot reach, you add as a manual account.
You can do either. Connected accounts sync on their own, which is the least work, but a manual account lets you track anything an aggregator cannot reach: a workplace pension, a private loan, a house, a vehicle, or precious metals. Manual balances are values you set and update, and they roll into your net worth alongside the connected accounts.

Connect your first account and see your real net worth. Free for 14 days, no credit card to start.

Start the 14-day trial →
Why Mozaic Supported institutions Security Net worth tracker Pricing