01 · The one number
Net worth is assets minus liabilities, kept accurate
Mozaic computes your net worth the plain way: everything you own minus everything you owe. The asset side is your cash, your registered and non-registered investments, crypto, and any physical asset you add. The liability side is your credit cards, loans, lines of credit, and mortgages, pulled in from the same connections so you are not typing balances twice. The result is one figure, recomputed on the server every time an account syncs, so it is never a stale number you saved last month.
It sits at the top of the dashboard as a net-worth hero card, 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. There is no manual spreadsheet to reconcile, because the balances come straight from the institutions.
02 · Every account, one roof
Banks, brokers, crypto, and the assets no bank can see
Canadian net worth is rarely in one place. Mozaic reads bank accounts through Plaid, brokerage accounts through SnapTrade, and lets you add anything an aggregator cannot reach as a manual account. On top of that, physical assets like a home, a vehicle, precious metals, or a business stake are entered by hand and tracked with a valuation you control. Registered accounts keep their status, so a TFSA reads as a TFSA and an RRSP as an RRSP rather than a generic bucket.
Debt is a first-class part of the picture, not an afterthought. Credit cards, student loans, and mortgages come through the same connections and pull the total down where they should, so the number you see is the number after what you owe.
R
RBC Day-to-DayChequing · CAD
$4,180.22
Q
Questrade RRSPInvest · CAD
$96,540.11
H
HomeManual asset · CAD
$610,000.00
03 · One base currency
CAD, USD, and anything else, reconciled to your number
Plenty of Canadians hold US-dollar positions, a USD-side brokerage account, or a foreign account from a past move. Mozaic asks you to pick a base currency, defaulting to Canadian dollars, and converts every balance into it before adding up your net worth. Each account still shows its own native currency on its card, so a USD Margin account reads in US dollars where you expect it, and the conversion only happens at the consolidated line.
Two real limits are worth stating plainly. Conversions use the current exchange rate rather than the rate on the day of each transaction, so the number tracks today's rates. And if a rate cannot be fetched during a sync, Mozaic leaves that account out of the total and flags it rather than quietly guessing, so a temporary rate outage never silently inflates or deflates your figure.
04 · Net worth over time
A trend line, not just a balance
A single figure tells you where you are. The trend tells you whether you are getting there. Mozaic snapshots your net worth every day and charts it over a week, a month, a year, or the full history you have with the app. You can backfill the period before you signed up with manual historical snapshots, so the line reflects your real trajectory instead of starting flat at the day you joined.
From that history Mozaic works out your annual growth rate and marks net-worth milestones as you cross them. The point is not to stare at a balance. It is to see the shape of the last two years and know whether the trend is going the way you want.