Simple pricing · one plan · every feature

Start free.
Decide in 14 days.

One plan, every feature, priced so we answer to you, not to advertisers. Fourteen days free, no credit card. Nothing's charged unless you choose to stay.

$99CAD / year$12.99CAD / month

That's $8.25/mo, 36% below monthly. $69 your first year with code MOZAIC69.Billed monthly. Switch to yearly anytime and save 36%.

How your free trial works

Full access to every feature. Free for 14 days, no credit card.

  1. Today
    Full access, no credit card

    Connect your banks and brokerages and see your whole net worth in every currency. Every feature is unlocked from minute one.

  2. Day 11
    A heads-up, never a surprise

    We email you that your trial ends in 3 days, and again the day before. No silent charges, ever.

  3. Day 14
    Keep going, or walk away

    Choose a plan to keep everything: $99 CAD/year, just $69 your first year with code MOZAIC69.$12.99 CAD/month, cancel anytime. Do nothing and the trial simply ends. Nothing is charged.

Start free, no credit card → Start free, no credit card →

Start in under a minute. Cancel anytime, in one click.

Everything included, no add-ons

  • Every account type: TFSA, RRSP, FHSA, RESP, crypto, real estate
  • Multi-currency net worth with daily FX
  • Plaid + SnapTrade: 600+ banks and brokerages
  • Automatic transaction categorization
  • Cash flow, budgets, and goals
  • Every future feature, no upsells
Bank-grade 256-bit encryption Read-only connections We never store your credentials
Why $99 / year

The math behind one fair price.

Mozaic costs us real money to run: bank connections, infrastructure, security audits. $99/year covers that calmly, with margin for the next feature.

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No data resale, ever.

A free tier means someone else pays our bills. Usually by selling your transaction data or pushing financial products. We'd rather charge a fair price and stay on your side.

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Real costs, transparently priced.

Plaid and SnapTrade charge us per connected account. Cloud infrastructure scales with your data. $99/year is what it actually costs to run Mozaic for one household, plus enough margin to keep shipping.

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One plan that grows with you.

No "starter" plan that's missing the feature you need. No upgrade prompts when you connect your fifth account. Every Mozaic customer gets every feature, including the ones we haven't built yet.

How we compare

Calmly priced, Canadian-built.

Most personal-finance dashboards are built for the US, then translated. Mozaic is Canadian first, and priced like it.

Prices verified May 2026. Competitors update frequently

Mozaic Wealthica Monarch Copilot
Canada-native? Yes: Canadian-built, CAD-priced Yes: Montreal-based, CAD-priced US-built; Canada landing page only US-only; iOS, Mac, and web
TFSA, RRSP, FHSA, RESP as first-class accounts? Yes Yes No: supported via Plaid but not first-class No
Connects Canadian brokerages? Wealthsimple, Questrade, Qtrade, bank-direct + 600 more via SnapTrade Wealthsimple, Questrade, Qtrade + Canadian banks (native connectors) US brokerage focus; limited Canadian brokerage support No
Multi-currency net worth? Yes: daily FX, CAD + USD + more Yes: multi-currency portfolio with historical FX Limited: manual entry USD-only
Monthly price $12.99 CAD $19.99 CAD (Premium tier) $14.99 USD (~$21 CAD) $13.00 USD (~$18 CAD)
Annual price $99 CAD $150 CAD (Premium tier) $99.99 USD (~$137 CAD) $95.00 USD (~$130 CAD)

Competitor prices and features verified May 2026 and reviewed quarterly. Competitors change pricing and Canadian coverage frequently, so check their sites for the latest. USD ↔ CAD conversions are approximate (~1.37 CAD/USD) and don't include the foreign-transaction fee most Canadian credit cards charge on USD billings. Wealthica Premium tier shown; Monarch also offers a higher "Plus" tier above the "Core" plan compared here. Brokerage and account-type comparisons reflect publicly listed first-class support and may exclude third-party integrations.

Questions

The pricing fine print.

Why isn't there a free tier?

A free tier means another company has to pay our costs, usually by selling your data or pushing financial products you didn't ask for. We'd rather charge a fair price and stay on your side. The 14-day free trial lets you try every feature without a credit card.

Can I cancel anytime?

Yes, in one click. There are no contracts, no "are you sure?" mazes, and no retention dark patterns. If you cancel a monthly plan you keep access until the end of the billing period. Annual plans are refundable pro-rata within the first 30 days.

Do you support business accounts?

Not at launch. Mozaic is built for personal net worth: TFSA, RRSP, FHSA, RESP, joint accounts, brokerage, mortgages, and the rest of your household balance sheet. Sole-proprietor business banking can be added as a manual account, but accounting and incorporated-entity workflows aren't supported.

Why CAD pricing?

Because we built Mozaic for Canadians first, and pricing in CAD means no FX surprise on your card statement, no "$13 USD became $17.84 plus a foreign transaction fee." If we ever serve US or EU customers in their own currencies, we'll publish local pricing, not convert at checkout.

Is my data safe?

Read-only bank connections via 256-bit TLS and bank-grade OAuth (Plaid for banking, SnapTrade for brokerages). 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. Full details on the security page.

Try it for fourteen days,
on us.

No credit card. Every feature unlocked. Cancel in one click if it's not for you.

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