Monthly price
- Mozaic Finance
- Premium C$12.99
- Finnomia
- Core $8.99 CAD/monthAdvanced $14.99 CAD/monthFamily $24.99 CAD/month
FinnomiaMozaic Finance
Finnomia vs Mozaic Finance
A Canadian alternative to Mozaic Finance
Mozaic combines free manual tracking with Canadian brokerage connectivity. Finnomia brings Plaid and Flinks banking connections together with household budgeting, debt strategies and Canadian retirement scenarios.
Choose Finnomia for a Canadian banking and household planning workflow. Mozaic deserves consideration for its free manual tier, bilingual experience and SnapTrade brokerage connections.
Credit card required. Cancel before the 14-day trial ends to avoid a charge. Plans are billed in Canadian dollars; taxes extra.
- Canadian-owned and built
- Prices in Canadian dollars
- Read-only bank connections
Compare at a glance
| Feature | Mozaic Finance | Finnomia From $5.99 CAD/month on annual Core |
|---|---|---|
| Monthly price | Premium C$12.99 | Core $8.99 CAD/monthAdvanced $14.99 CAD/monthFamily $24.99 CAD/month |
| Annual price | Premium C$99 | Core $71.88 CAD/yearAdvanced $107.88 CAD/yearFamily $179.88 CAD/year |
| Canadian bank connections | Yes — Premium | Yes |
| Bank data aggregators | Plaid; SnapTrade for brokerages | Plaid and Flinks |
| Contribution-room tracking | Yes — TFSA, RRSP and FHSA | Yes — Advanced and Family |
| Household access | Not documented | Up to 5 on Family |
Finnomia vs Mozaic Finance at a glance
Annual price
- Mozaic Finance
- Premium C$99
- Finnomia
- Core $71.88 CAD/yearAdvanced $107.88 CAD/yearFamily $179.88 CAD/year
Canadian bank connections
- Mozaic Finance
- Yes — Premium
- Finnomia
- Yes
Bank data aggregators
- Mozaic Finance
- Plaid; SnapTrade for brokerages
- Finnomia
- Plaid and Flinks
Contribution-room tracking
- Mozaic Finance
- Yes — TFSA, RRSP and FHSA
- Finnomia
- Yes — Advanced and Family
Household access
- Mozaic Finance
- Not documented
- Finnomia
- Up to 5 on Family
Prices are shown in their billing currency. Annual billing is paid upfront. Monthly equivalents and temporary offers are labelled.
Updated October 14, 2026
Credit card required. Cancel before the 14-day trial ends to avoid a charge. Plans are billed in Canadian dollars; taxes extra.
Which should you choose?
Choose Mozaic Finance if…
- You want free manual tracking with no card at signup.
- Bilingual onboarding or brokerage-specific tools are priorities.
- You want Mozaic’s Wealthsimple activity-file importer.
Choose Finnomia if…
- You want Canadian-focused connections using Plaid and Flinks.
- You want budgets, bills and a clear view of everyday spending.
- You want contribution-room, debt and CPP/OAS planning on Advanced or Family.
Full feature comparison
Finnomia features marked Yes are included on every plan unless a plan is named. Native apps are in internal beta; mobile web access is available now. “Not documented” means we could not confirm a feature in the sources reviewed.
| Feature | Mozaic Finance | Finnomia |
|---|---|---|
| Plans & pricing | ||
| Available plans | Free and Premium | Core, Advanced, Family |
| Monthly price | Premium C$12.99 | Core $8.99 CAD/monthAdvanced $14.99 CAD/monthFamily $24.99 CAD/month |
| Annual price | Premium C$99 | Core $71.88 CAD/yearAdvanced $107.88 CAD/yearFamily $179.88 CAD/year |
| Free tier | Yes | No |
| Free trial | 14 days of connections; card required when connecting | 14 days; credit card required |
| Billing currency | CAD | CAD |
| Connections & data | ||
| Canadian bank connections | Yes — Premium | Yes |
| Bank data aggregators | Plaid; SnapTrade for brokerages | Plaid and Flinks |
| Connected accounts | Premium; no published account cap | Core: up to 2; Advanced and Family: unlimited |
| Manual accounts | Yes | Yes |
| CSV import | Yes | Yes |
| Budgeting & everyday money | ||
| Category budgets | Yes | Yes |
| Automatic categorization | Rules; AI on Premium | Yes |
| Split transactions | Not documented | Yes |
| Budget rollover | Not documented | Yes |
| Recurring bills and subscriptions | Yes | Yes |
| Custom alerts | Budget, goal and connection alerts | Yes |
| Receipts and tags | Not documented | Yes |
| CSV export | Yes | Yes — Advanced and Family |
| Goals & Canadian planning | ||
| Goals | Yes | Yes |
| Net-worth tracking | Yes | Yes — Advanced and Family |
| Investment tracking | Yes | Yes — Advanced and Family |
| Cash-flow forecasting | Not documented | Yes — Advanced and Family |
| Debt payoff planner | Mortgage payoff estimates | Yes — Advanced and Family |
| Contribution-room tracking | Yes — TFSA, RRSP and FHSA | Yes — Advanced and Family |
| CPP/OAS retirement scenarios | Not documented | Yes — Advanced and Family |
| Household & access | ||
| Household access | Not documented | Up to 5 on Family |
| Web app | Yes | Yes |
| Native iOS app | Not documented | Internal beta |
| Native Android app | Not documented | Internal beta |
| Other differences | ||
| Brokerage provider | SnapTrade | Plaid and Flinks |
Prices remain in their stated billing currency. Annual monthly equivalents require annual payment. Taxes, exchange rates and card-provider foreign-currency fees may affect the final charge. Promotional and renewal prices can differ.
Updated October 14, 2026
Finnomia plans and pricing
Choose the plan that fits your needs. All prices are in Canadian dollars.
Core
Everyday budgeting and spending.
- Monthly billing
- $8.99 CAD/month
- Annual billing
- $71.88 CAD/year
- Equivalent to $5.99/month, billed annually.
- Up to 2 connected accounts across up to 2 institutions
- Budgets, bills, transactions and standard goals
- Manual accounts and CSV import
Advanced
Everything in Core, plus financial planning.
- Monthly billing
- $14.99 CAD/month
- Annual billing
- $107.88 CAD/year
- Equivalent to $8.99/month, billed annually.
- Unlimited connected accounts
- Investments, contribution room and net worth
- Cash flow, debt and retirement planning
- Advanced goals and CSV export
Family
Everything in Advanced, together.
- Monthly billing
- $24.99 CAD/month
- Annual billing
- $179.88 CAD/year
- Equivalent to $14.99/month, billed annually.
- Up to 5 members, including the subscriber
- Separate member sign-ins
- Shared household budgets and overview
- Switch between personal and household views
Every plan includes a 14-day free trial. Credit card required. Cancel before the trial ends to avoid a charge. Taxes extra. Compare all Finnomia plan features.
Both apps support Canadian account planning
Mozaic’s Free plan includes manual accounts, CSV import, net worth and contribution-room tracking. Premium adds bank connections through Plaid and brokerage connections through SnapTrade. Finnomia pairs Plaid and Flinks connectivity with contribution-room tools, debt payoff strategies and CPP/OAS retirement scenarios on Advanced and Family.
What matters for a Canadian household
Mozaic lowered the signup barrier on October 1: new users start free and begin the connection trial when adding a card. Finnomia takes payment details earlier, then lets trial users explore sample data before connecting a bank. These are different offers, and Finnomia’s sample experience is not a free plan.
For connectivity, distinguish banking from brokerage depth. Mozaic uses Plaid for banking and SnapTrade for brokerages. Finnomia adds Flinks’ Canadian-focused banking capability alongside Plaid. That provider choice matters, but does not establish universal superiority for investment holdings or every Canadian institution.
Canadian connectivity is a product priority
Finnomia combines Plaid with Flinks, a provider with deep Canadian financial-data expertise and relationships with Canadian institutions. Flinks gives us a connection option built around Canadian banking alongside Plaid’s broader network.
Support varies by institution and account type. Check our connection status page and try your accounts during the trial. Manual accounts and CSV imports are available on every plan.
More control over everyday money and the longer-term plan
Review transactions, correct categories, split purchases and create rules that reduce repeat work. On Family, you can assign transaction reviews to household members and keep individual transaction details private while sharing balances and spending totals.
Advanced and Family bring investments, net worth, debt payoff and cash-flow forecasts together with Canadian retirement planning. Explore CPP and OAS timing, future contributions and retirement income in today’s or future dollars. These are planning estimates, not guaranteed outcomes.
Moving from Mozaic Finance to Finnomia
Keep an export of the transaction history you want to retain. Finnomia’s CSV transaction importer does not imply support for every investment activity file or a transfer of brokerage performance history. Verify a sample before moving the rest.
Why Canadians choose Finnomia
Built for Canadian financial life
Canadian institutions
Flinks adds Canadian financial-data expertise to our Plaid connectivity, giving us another route to support Canadian institutions and resolve connection issues. Check your institution and account type on our connection status page.
Canadian accounts
Track TFSA, RRSP, FHSA and RESP contribution room alongside investments and net worth on Advanced and Family.
Canadian retirement
Model retirement income and compare CPP and OAS claiming assumptions as part of a broader drawdown plan.
Canadian-dollar pricing
Know what your subscription costs without converting a US-dollar list price or paying a foreign-currency card fee.
Household finances without shared passwords
The Family plan supports up to five members with shared household budgets and a combined household view.
A Canadian social purpose
Five percent of Finnomia’s profits support Canadian charities advancing financial and economic literacy.
FAQ
Sources
- Mozaic pricing
- Mozaic October product changes
- Finnomia pricing
- Finnomia connection status
- Flinks Canadian coverage documentation
- Mozaic product features and contribution room
- Mozaic CSV import guide
- Mozaic data export and account deletion
- Mozaic notifications
Published by Finnomia. We compare public product, pricing and support documentation with Finnomia’s available features. Source names appear above. Prices, features and institution support can change. Where a feature is not established in the reviewed documentation, we say so rather than treating it as unavailable. Mint information is historical.
Mozaic Finance is a trademark of its respective owner. Finnomia is not affiliated with Mozaic Finance.
See your Canadian financial life in one place
Connect your accounts, understand your spending and build a clearer plan for what comes next.
Credit card required. Cancel before the 14-day trial ends to avoid a charge. Plans are billed in Canadian dollars; taxes extra.