Launching Soon · 200 founding spots
The 90-Day Canadian Money Reset
Is your money moving the right way?
Log weekly. Snapshot monthly. Your Financial Health Score shows the direction — educational, not advice.
Consistency Guarantee
Log weekly and snapshot monthly for 90 days. If your Financial Health Score hasn't improved, we refund your first payment.
Free to track · No card · Canadian data residency
The Tracking Gap
Most people cannot say whether last month moved them forward or backward.
Spending lives in your head, balances live in six apps, and nobody tells you the direction. Without that weekly picture, it is hard to know if you are paying down debt, building savings, or drifting. Mosaic is a tracker and education tool — not a substitute for a licensed advisor.
Too Expensive
$3,000–$10,000
per year for a financial advisor
Advice is expensive. Tracking and education should not be — so you can show up prepared when you do speak with an advisor.
Too Passive
0 conversations
with your robo-advisor last year
Robo-advisors manage your money. They don't help you track, learn, or see your whole picture.
Too Generic
0 personalization
from a generic AI chat
It doesn't know your RRSP balance, your province's tax rules, or your retirement timeline — and it asks for personal data you shouldn't be sharing.
How It Works
A weekly loop. Not a one-time document.
Log this week
Tap in what you spent. A few seconds on your phone, no bank login. That one habit is the whole engine.
Snapshot your net worth each month
Update your balances once a month. Your Financial Health Score moves with what you log, so you can see the direction — not just the number.
Let Charlie explain the picture
On Progress, Charlie, your AI money guide, turns your numbers into a Progress Report and walks you through it in plain Canadian terms. Educational information, not advice — speak with a licensed financial advisor before implementing changes.
What You Get
Your Score, your week, your whole picture.
See your Financial Health Score move with what you log — free, forever
When you want the why, a five-minute conversation with Charlie
A Progress Report that explains the picture in plain Canadian terms
Download it, update it, and refresh it monthly as life changes
Your Progress Report Includes
Eight sections. Zero guesswork.
Financial Health Score
A single number that benchmarks where you stand — updated as your situation changes.
Retirement Trajectory
See a trajectory from the numbers you enter, plus educational notes on CPP/OAS timing — not a recommendation.
Holdings Education
See how your accounts are allocated today, and educational context on common Canadian fund types — not a buy list.
Tax Account Education
Plain-language primers on RRSP, TFSA, and FHSA for your province — so you can discuss them with an advisor.
Debt Tracker
See balances, rates, and payoff timelines you can model. Discuss any payoff order with a licensed advisor.
Coverage Snapshot
A checklist of common protection types to review with a licensed advisor — not a product recommendation.
Market Context
Weekly macro commentary to help you understand the news — educational, not a prediction or trade idea.
Trajectory View
Decade markers based on the numbers you enter — educational, not a promise or a prescribed plan.
Always Available
Life changes. Your Score keeps up.
This isn't a one-time document. It's a weekly habit with a dashboard that knows your full picture, and a Progress Report you can refresh monthly when you want the why.
New job, raise, or career change? Update your numbers and your Score picks it up the same week.
Buying a home or starting a family? Log the change, snapshot your net worth, and see the new picture.
Market shift or rate change? Get educational context on what moved — not a trade idea.
How We're Different
What Mosaic is not.
Not a robo-advisor
Robo-advisors park your money passively. Mosaic is a tracking dashboard that helps you understand your whole financial picture.
Not a calculator
Calculators give generic numbers. Mosaic has a conversation that adapts to your situation, your province, your goals.
Not financial advice
Mosaic is a tracking and education tool. Charlie teaches you about your options — it is not licensed advice. Speak with a licensed financial advisor before implementing any changes.
Works alongside your advisor
If you have one, Mosaic gives you clarity between meetings. If you do not, Mosaic helps you track and learn so you are ready when you do speak with one.
Why Trust Mosaic
Built for Canadian financial rules. Not bolted on.
Canadian-Specific
RRSP, TFSA, FHSA, CPP, OAS, provincial tax rules — built in from day one, not bolted on.
Education-First
Charlie explains your trajectory and options so you can learn. This is educational information, not financial advice — speak with a licensed advisor before implementing changes.
Consistency Guarantee
Log weekly and snapshot monthly for 90 days. If your Financial Health Score hasn't improved, we refund your first payment.
Privacy-First
No legal name. No SIN. No account numbers. Alias-based profiles, encrypted data, Canadian data residency.
Mosaic helps you track and learn every week — so you always know where you stand, and you show up prepared when you speak with a licensed advisor.
The Offer
The 90-Day Canadian Money Reset
Three small habits, ninety days, one Score that tells you the direction. Tracking is free forever. Progress adds Charlie and the Progress Report, with a 7-day trial and no card to start.
What you do
- Log spendingonce a week
- Snapshot net worthonce a month
- Watch your Scorefor 90 days
That is the whole commitment. A few minutes a week on your phone.
Consistency Guarantee
Log your spending each week and complete your monthly net-worth snapshot for 90 days. If your Financial Health Score hasn't improved by the end, we refund your first payment. The Score measures tracking consistency, not investment returns.
First payment refundable for 30 days, no questions.
Included
Canadian Money Mechanics Toolkit
FHSA, RRSP vs TFSA, and CPP timing calculators built on current Canadian rules. Free, no account needed.
Life-Event Playbooks
Plain-language walkthroughs for a new job, a home purchase, or a growing family — what to update and what to ask an advisor.
Founding Member badge
First 200 lock Progress at $8/mo or $80/yr for life, plus a say in what we build next.
Educational information, not financial advice. Speak with a licensed financial advisor before implementing any changes.
Pricing
Free tracks. Paid thinks.
Tracking, budgets, net worth, and your Financial Health Score are free on Pulse, forever. Progress adds Charlie and the Progress Report after a 7-day reverse trial, no card.
Consistency Guarantee
Log weekly and snapshot monthly for 90 days. If your Financial Health Score hasn't improved, we refund your first payment.
First payment refundable for 30 days, no questions.
Pulse
See where you stand — and stay consistent.
- Spending tracker, budgets, net worth, and goals
- Live Financial Health Score + streaks
- Canadian calculators and newsletter
- 7-day reverse trial of Progress — no credit card
Progress
Know exactly what to do next.
- Everything in Pulse
- Full conversational fact-find
- 8-section Progress Report + PDF, monthly refresh
- Charlie, your AI money guide, included
- Statement and receipt parsing
All prices in CAD. Plans auto-renew monthly or annually based on your choice.
FAQ
Common questions.
No. Mosaic is a financial tracking and education tool. Charlie is your AI money guide. This is educational information, not financial advice. Speak with a licensed financial advisor before implementing any changes.
Start the 90-Day Canadian Money Reset.
Log this week. Snapshot this month. Know where you stand. Tracking is free forever; Progress adds Charlie, your AI money guide, and the Progress Report — educational, not advice. No credit card.
Log weekly and snapshot monthly for 90 days. If your Financial Health Score hasn't improved, we refund your first payment.
Questions? hello@mosaicfinance.ai