01 · Everything in one place
One app instead of a folder of tabs
The problem is rarely a lack of apps. It is that your chequing account, your credit card, your TFSA, your RRSP, and your mortgage each have their own login, and none of them add up to a single answer. Mozaic connects them and gives you the whole picture: net worth at the top, then budgets, goals, cash flow, transactions, recurring bills, dividends, and contribution room, each reading from the same connected accounts.
Because it is one app, the pieces talk to each other. The accounts that feed your net worth are the same ones behind your cash-flow chart and your TFSA room, so you are never reconciling one screen against another.
R
RBC Day-to-DayChequing · CAD
$4,180.22
W
Wealthsimple TFSAInvest · CAD
$52,910.00
A
Amex CobaltCredit card · CAD
-$1,905.60
02 · Canadian by default
Registered accounts and CRA room, understood
A tool that treats a TFSA like a plain savings account misses the thing that matters most about it. Mozaic knows the difference. Your TFSA, RRSP, RESP, and FHSA keep their registered status, Canadian dollars are the default base currency, and the app tracks your TFSA and FHSA contribution room against the CRA's published limits, warning you before an over-contribution. The room figure is a planning estimate you reconcile with CRA My Account, and the app says so where it counts.
It reads Canadian institutions directly. Banks connect through Plaid and brokerages through SnapTrade, so RBC, TD, Scotiabank, BMO, CIBC, National Bank, Desjardins, Questrade, Wealthsimple, and Interactive Brokers Canada are connections rather than statements you forward by hand, with more reachable through the same two networks.
03 · Spending that categorizes itself
Cash flow, budgets, and categories that stay out of your way
Transactions come in already categorized by Plaid, and where a category is missing, Mozaic fills it with an AI suggestion and remembers it as a rule so the same merchant is free next time. You can override any of it with your own rules, which always win. On top of that sit budgets with progress, goals you are saving toward, a cash-flow map that shows money in against money out for the month and the year, and recurring-bill detection so subscriptions do not sneak up on you.
Where Mozaic uses AI, it uses it to phrase real numbers, not to invent them. The weekly digest and the dashboard insights summarize what actually happened in your accounts, computed first and worded second, so the takeaways are grounded in your data.
04 · The Mint alternative Canada needed
Built for the gap Mint left behind
When Mint shut down, Canadians were left with tools designed around American accounts and tax rules. Mozaic is the answer built the other way around: Canadian dollars first, registered accounts first, CRA room first, then everything a good money app should do layered on top. Investments are tracked alongside spending, so your net worth, your portfolio, and your budget are not three separate products.
Every feature is on a single plan at $12.99 CAD per month or $99 CAD per year, with a 14-day free trial and no credit card needed to start. Connections stay read-only the whole time, so Mozaic can see your money but never touch it.