Mozaic vs Mint: the Canadian replacement after shutdown

People still search "Mint alternative Canada" every month, years after the app closed. Intuit announced Mint's shutdown in late 2023 and turned it off in March 2024, steering users toward Credit Karma. For Canadians the loss was smaller than the headlines suggested, because Mint had already let its Canadian bank connections rot: syncs broke, institutions dropped off, and a lot of Canadian users had quietly given up before the official end.

This page is written by Mozaic, so the stake is disclosed. Mint no longer exists, so there is no live feature-by-feature battle to stage. Instead this is a straight account of what Mint did, what Canadians actually lost, and how Mozaic compares to that memory. Where a free, ad-supported tool would still suit you better, we say so.

The one-paragraph version

You would have stuck with Mint if all you wanted was a free budget tracker, you did not mind ads and product marketing, and your banks happened to still sync. That itch is best scratched today by a free budgeting app, not by Mozaic.

Choose Mozaic if you want what Mint never did well for Canadians: reliable coverage of the big Canadian banks, native CELI, REER, and FHSA tracking with contribution room, per-holding brokerage detail, one net-worth number in CAD, and a read-only tool that has no ads and never sells your data because you are the paying customer.

Feature comparison

What Canadians actually lost when Mint closed

A free, familiar budget tracker. Mint's real strength was that it was free and easy: connect accounts, see spending by category, get a rough budget. For a lot of people that was enough, and losing it stung. If that is all you want, a free budgeting app is a closer replacement than Mozaic, and we would rather tell you that than oversell.

Not much else, in Canada. The harder truth is that Mint was never built for Canada. It did not model CELI, REER, FHSA, or RESP as real account types; it assumed USD; and its Canadian bank connections had been unreliable for years. Canadians lost a budget tracker, not a full financial picture, because Mint never gave them one.

Where Mozaic is the stronger replacement

Canadian bank coverage that works. Mozaic connects the big six plus Tangerine, EQ Bank, and Simplii through Plaid, and keeps those connections maintained. This is the thing Mint stopped doing for Canadians well before it closed.

Registered accounts as first-class objects. Mozaic treats CELI, REER, FHSA, REEE, and CRI as native account types with contribution-room rules built in: TFSA limit increases each January, the FHSA $8,000-per-year cap, RRSP deadline reminders. Mint shipped US 401(k) and IRA logic and never modelled these.

Real portfolio detail. Mozaic uses SnapTrade to pull individual holdings, cost basis, and time-weighted return from Wealthsimple, Questrade, Interactive Brokers, and the Canadian bank-owned brokerages, with per-position P&L and benchmark comparison. Mint showed a balance and stopped there.

No ads, no lead-selling. Mint was free because you and your data were the product; the app existed to market credit cards and loans. Mozaic is a flat paid subscription with read-only connections, no ads, and nothing sold on the side. That is the plain reason it is not free.

Pricing, and why Mozaic is not free

Mint cost nothing because it made money on advertising and referrals. Mozaic is $99 CAD per year, flat, with every feature included and no second tier. The whole business is the subscription, which is exactly why there are no ads and no data sold. If a free tool is a hard requirement, Mozaic is not the answer and we will not pretend otherwise. If you would rather pay a fair flat fee and be the customer instead of the product, that is the trade. The full pricing page is at /pricing.

Migrating from Mint (or from wherever you landed after)

If you exported your Mint transaction history before it closed, you can import it by CSV. Most people did not, so in practice you start by reconnecting each Canadian bank through Plaid and each brokerage through SnapTrade inside Mozaic; the last 24 months of transactions and current holdings usually load automatically. Mint's budget categories and rules do not map cleanly, so plan to set categories up fresh. If you moved to Credit Karma or another stopgap after Mint, the same reconnect flow applies.

The fair version of this comparison

Comparing a live product to a dead one is easy to do dishonestly, so here is the fair version: Mint was a good free budget tracker that was never really built for Canada and is now gone. Mozaic is not free, and if a free tracker is all you need, a free budgeting app serves you better. But if you want the Canadian coverage, registered-account logic, and portfolio detail Mint never delivered here, that is what Mozaic is for, and the 14-day trial takes no card.

For a full survey of the field, read the best Mint alternatives for Canadians in 2026, which covers seven options. The comparisons hub indexes every head-to-head, including Monarch Money and Lunch Money. If you want the product overview, see the personal finance app for Canada page.