Your checking, credit cards, brokerage, 401(k) and IRA in one secure dashboard, with budgets built from how you actually spend. Everything in US dollars.
Read-only connections through Plaid & SnapTrade. Mozaic can’t move your money or see your banking password. How we keep it safe →
Three things Mozaic does with your money: adds it up, labels it correctly, and helps you plan the month.
Every account, asset, and liability, folded into one number, in US dollars.
Checking, savings, credit cards, brokerage accounts, your home and your mortgage add up to one net worth. Hold an account in another currency? It folds into your USD total at the daily exchange rate, not a stale monthly average.
401(k), IRA, Roth IRA, HSA and 529 accounts arrive as their own account types, not as one generic “investment” line.
Connect the brokerage or bank that holds them and Mozaic files each account under the type it really is: 401(k), IRA, Roth IRA, HSA or 529, next to your taxable brokerage accounts. Holdings, cost basis and gains show up per account, so you can see how each one is doing.
Budgets, recurring bills, and goals, built from how you actually spend.
Start from how you actually spend. Mozaic groups your last months of transactions into suggested budgets. Edit the amounts, then go live.
Mozaic spots your bills and subscriptions, shows what’s due this week, and flags the ones that quietly went up, so a renewal never catches you off guard.
Mozaic reads your real headroom and proposes goals that actually fit: emergency fund, down payment, the next big trip.
Optional, for when you want to see how your portfolio is really doing.
Your portfolio against the S&P 500, the total US stock market and total international stocks: total return, dividends reinvested, rebased to 100. See whether you’re actually beating the market, not just going up.
“Before I let anyone else use it, Mozaic ran on my own household’s accounts for over a year. Most early decisions were made by the person who would have to live with them.”
The three stories above are the point. This is the surface area behind them.
Bring history from any bank that exports a file.
Teach it once and it sticks.
Transactions sorted as they arrive.
Catches the same transaction entered twice.
Finds your bills and subscriptions.
Hear about it before you blow past a category.
Target, deadline, and every contribution logged.
Performance your deposits cannot flatter.
Property, vehicles, loans and cards.
Two sets of books, one login.
TOTP on your account.
Follows your system, or pick one.
English, French, Spanish and Chinese.
Your data leaves whenever you want.
Every paycheck and every purchase, folded into one flow: income in on the left, where it all landed on the right. No spreadsheet, no guesswork.
Accounts link through trusted aggregators with read-only access. Mozaic can never move, hold, or touch your money.
Each user's data is encrypted at rest under its own key, held in Google Cloud KMS; TLS 1.3 in transit. Credentials go to your bank's aggregator. They never touch Mozaic's servers.
Mozaic is a Canadian company, and your financial account data is stored in Canadian data centers, under Canadian privacy law (PIPEDA, and Québec’s Law 25).
You are the customer, not the product. No ads, no data sales, no "anonymized insights" sold out the back door.
Manual accounts and transactions, CSV import, budgets, goals and your net worth. No card, no expiry.
That’s $6 a month. Or $9.99/month, cancel anytime. Prices are in US dollars. The first 14 days are free: you add a card when you connect, and nothing is charged before the trial ends.
The US banks Plaid connects and the US brokerages SnapTrade connects, with what each one syncs.
See the list → SecurityRead-only connections, per-user encryption, where your data is stored, and what we never do with it.
Read the details → HelpConnecting a bank or brokerage, importing a CSV, setting up budgets and goals, step by step.
Open the help center →