Launching Soon
Track, Learn, Level Up Your Money
The gamified financial tracking app for Canadians.
Add your numbers, track your net worth, and get an instant Progress Report that shows your trajectory — plus educational options to learn about. Built for Canadian rules.
See the whole picture.
See how it worksNo credit card required · Educational, not advice · Privacy-first
The Tracking Gap
Most people track spending in their head. That is not a picture of their money.
Without a clear picture of income, spending, debts, and net worth, it is hard to see whether you are paying down debt, building savings, or moving toward your goals. 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.
What You Get
A net worth dashboard. A Progress Report that grows with you.
Tell Charlie about your financial picture
Get a Progress Report in under 30 minutes
Track your progress, update anytime
Download your complete Progress Report
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.
How It Works
Track your money in three steps.
Tell Charlie about your financial situation
A warm, adaptive conversation covers your income, goals, debts, and accounts. One question at a time. No forms.
Get your Progress Report instantly
Net worth, trajectory, and educational context on tax accounts and retirement — based on your numbers and your province. Ready as soon as you finish.
Walk through it with Charlie
Charlie, your AI education guide, walks you through each section and explains your options. Speak with a licensed financial advisor before implementing any changes.
Always Available
Life changes. Your Progress Report should too.
This isn't a one-time document. It's a tracking platform that knows your full financial picture and is there every time something changes.
New job, raise, or career change? Update your Progress Report in minutes.
Buying a home or starting a family? Update your numbers and see how your snapshot changes.
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.
Instant Progress Reports
See where you stand today, your current trajectory, and educational options — delivered the moment you finish onboarding.
Privacy-First
No legal name. No SIN. No account numbers. Alias-based profiles, encrypted data, Canadian data residency.
Mosaic helps you track and learn — so you show up prepared when you speak with a licensed advisor.
Pricing
Free tracks. Paid thinks.
14-day reverse trial of Progress, no card. First payment refundable for 30 days. Consistency Guarantee on 90 days of weekly logs + monthly snapshots.
Pulse
See where you stand — and stay consistent.
- Spending tracker, budgets, net worth, and goals
- Live Financial Health Score + streaks
- Canadian calculators and newsletter
- 14-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
Mastery
Don't just know — do it, with people who are doing it too.
- Everything in Progress
- Mosaic Money Club community
- Quarterly guided check-ins
- Priority report generation
- Tax Year-End Pack
- Mosaic Academy included on annual
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.
Stop guessing. Start tracking.
Join the waitlist for gamified financial tracking built for Canadian rules — with an AI guide that educates you about your money. No credit card. No personal information.
Questions? hello@mosaicfinance.ai