Mozaic vs Wealthica — which is better for Canadians?

Wealthica and Mozaic Finance are the two Canadian-built, Canadian-hosted personal-finance aggregators that come up most often when Canadians compare options in 2026. Both connect to Canadian banks and brokerages directly. Both keep your data inside Canada. Both are built by small teams who answer their own support email.

This page is a feature-by-feature comparison written by Mozaic — so the disclosure is upfront. I have used Wealthica as a paying customer, I respect what Simon Boulet and the Montreal team have built (Wealthica has been around since 2014), and I have tried to describe both tools fairly. Where Wealthica is the better choice for your situation, I say so explicitly. The honest summary is at the bottom.

The one-paragraph version

Pick Wealthica if you want a free tier for a small setup, you love the add-on marketplace (DRIP analyzer, Norbert's Gambit calculator, fee analyzers, Stockchase, Wealthscope), you are primarily an investor and not a budgeter, and you want a mature mobile app today.

Pick Mozaic if you want native CELI / REER / CELIAPP support with contribution-room logic, a modern editorial UI instead of a dashboard-and-widgets layout, US brokerages on the same plan via SnapTrade, integrated cash-flow alongside the investment view, and one flat price instead of a tiered upsell.

Feature comparison

Where Wealthica is the better tool

The free tier. Wealthica is the only tool in this category that lets you connect three Canadian institutions for free, forever, with no card on file. If your situation is one chequing, one TFSA, and a Wealthsimple account, the free tier is genuinely hard to beat. Mozaic doesn't have a free tier because Mozaic ships a single $99 CAD plan with every feature included — that model wins once you outgrow three institutions or want US brokerages, contribution-room logic, or real-time data, but it's the wrong shape if your real need is "I want to look at three accounts for free."

The add-on marketplace. Wealthica's add-on store is genuinely unique in this category. The DRIP analyzer, the Norbert's Gambit calculator, the fee-impact projection, the Stockchase ratings overlay, the Wealthscope portfolio scoring, the Google Sheets sync — they are not features Mozaic ships and they are not features most Mozaic users have asked for, but if you are the kind of DIY investor who would build these in a spreadsheet, the marketplace is a real moat.

Investment-first UX. Wealthica's interface is built around the assumption that you opened the app to look at your portfolio. The default view is holdings, allocation, and performance. Mozaic shows you net worth and cash flow next to the portfolio view because Mozaic is a personal-finance app first and an investment tracker second. If you almost never look at cash-flow data, Wealthica's denser portfolio-first layout will feel right.

The mobile app. Wealthica ships native iOS and Android apps that have been in the App Store since the mid-2010s. Mozaic in 2026 is a desktop-first web app — the site works on phones, but there is no native app. If you check your accounts from the bus, that's a real difference.

The community. Wealthica has a decade of forum posts, a paid-investor user base, and an active Twitter presence around Canadian DIY investing. Mozaic's community is younger and quieter.

Where Mozaic is the better tool

Canadian account types as first-class objects. Mozaic treats CELI, REER, FHSA, REEE, and CRI as native account types with the contribution-room rules built in. The TFSA dollar limit goes up every January and Mozaic knows; the FHSA $8,000-per-year cap is enforced on the contribution view; over-contribution warnings fire before the year-end mailout from the CRA. Wealthica labels accounts by what the institution sends, but the contribution-room math is yours.

US brokerages on the standard plan. Mozaic uses SnapTrade, which adds Robinhood, Fidelity, Schwab, E*TRADE, Vanguard, and the major US brokerages alongside the Canadian institutions, on the same $99 CAD plan. Wealthica covers some US brokerages but coverage varies and is often gated to higher tiers. If you hold a US brokerage account for cross-border tax reasons (TN visa, dual citizenship, US-employer RSUs), Mozaic's coverage tends to be cleaner.

One price, no tier shopping. Mozaic is $99 CAD per year, flat — every feature, unlimited institutions, no add-on store. Wealthica's tier model means you decide upfront whether you want Connect ($50), Unlimited Connect ($75), Premium ($150, the only tier with real-time quotes), or Prestige ($250). For a Canadian household with three brokerages plus a chequing account, the cost lands close to Mozaic's flat price by the time you reach the tier you actually want.

Cash flow that lives next to the portfolio. Mozaic's home view shows net worth, last 30 days of cash flow, holdings by allocation, and recent transactions on one screen. Wealthica's main view is portfolio-shaped; cash flow is there but it is not the headline. If you think about money as "investments AND budget" rather than "investments first," the integrated layout is the right shape.

UI density and design language. Mozaic's interface leans editorial — fewer fields, larger numbers, more whitespace, a deliberate violet/cream colour system. Wealthica's interface is dashboard-and-widgets in the financial-tool tradition. Neither one is objectively right; it is a matter of taste. The home page is the clearest sample of the Mozaic design language.

Pricing, side by side

Wealthica has a tiered model: a free plan (3 institutions, basic reports, budgeting), Connect at $50 CAD per year, Unlimited Connect at $75 CAD per year, Premium at $150 CAD per year (real-time quotes, unlimited portfolios, advanced filters), and Prestige at $250 CAD per year (VIP support, geographic allocations, custom attributes). Several useful features live in paid add-ons on top of those tiers — Google Sheets sync, Wealthscope, and others.

Mozaic is $12.99 CAD per month or $99 CAD per year, flat. Everything is included — every connection, every feature, no add-on store, no upgrade path. The full pricing page is at /pricing.

The simple comparison: if your real need is the free tier, Wealthica wins by a wide margin and Mozaic is not for you. If you want real-time quotes and unlimited brokerages, Mozaic ($99) lands below Wealthica Premium ($150). If you want VIP support and the whole add-on stack, Wealthica Prestige ($250 plus add-ons) is more capable than anything Mozaic offers.

Security and privacy

Both tools are Canadian-built, Canadian-hosted, and subject to PIPEDA federally and Quebec Law 25 provincially. Both use read-only aggregator connections (Plaid plus Yodlee on Wealthica's side; Plaid plus SnapTrade on Mozaic's side) — no one holds credentials that could move money. Both encrypt data in transit and at rest. On the data-residency axis there is no meaningful difference between these two; the choice should come down to product fit, not jurisdiction.

The full Mozaic security posture — encryption layers, audit logging, account-deletion behaviour — is at /security.

Migration: can I move from Wealthica to Mozaic?

Yes, with the same caveats every migration has. Both tools accept CSV imports for historical transactions, and Wealthica's export is clean. What does not transfer cleanly are the add-on-specific data models — DRIP history, Stockchase ratings overlays, Wealthscope scores do not have a one-to-one mapping in Mozaic because Mozaic does not have those add-ons.

The connected-account side is easier — re-connect each bank and brokerage through Plaid and SnapTrade inside Mozaic, and the last 24 months of transactions plus current holdings usually come in automatically. If your portfolio is already at a SnapTrade-supported brokerage (Wealthsimple, Questrade, IBKR, Qtrade, the bank brokerages), the re-connect takes about ten minutes.

A note on honesty in comparison content

Most "X vs Y" pages on the internet are written by one of the products and conclude that the writer's product wins on every axis. That is not how product comparison works, and Google has been demoting that kind of content since the helpful-content update in 2022. Wealthica is a serious tool built by a serious team that has served Canadian DIY investors for over a decade — and for a household whose real need is the three-institution free tier, that's the right place to start. For everyone with a bigger setup, Mozaic's $99 CAD flat plan, native CELI/REER/FHSA logic, and integrated cash-flow view usually land cleaner than the Wealthica tier-plus-add-on ladder. The 14-day Mozaic trial is free and uses no card, so connect your real accounts in Mozaic before you decide.

If you'd like to see how Mozaic compares to other tools, the broader best Mint alternatives for Canadians in 2026 article covers seven options including this one. Every head-to-head we've published is indexed on the comparisons hub — including side-by-sides with Lunch Money and Monarch Money.