YNAB alternative Canada
Budgeting can be structured without feeling heavy.
Mossy helps Canadians build budgets, monitor spending, track net worth, find recurring charges, and use AI to understand what changed.
Some people want a strict budgeting method. Others want a calmer system that still keeps spending visible and decisions grounded. Mossy is built for the second group.
Mossy focuses on connected financial context: budgets, transactions, subscriptions, balances, net worth, household planning, and AI summaries.
A more complete weekly check-in
Mossy is useful when you want to review spending, understand budget pressure, and see long-term progress without manually maintaining every detail.
- Track budgets and spending together.
- See recurring charges that affect your plan.
- Review net worth and financial health alongside budget progress.
- Ask AI questions about your money picture.
Designed for Canada-first personal finance
Mossy is built around CAD tracking, Canadian users, household context, and practical money insights.
- AI-powered budgeting and money insights
- Category budgets with live spending progress
- CAD spending and net worth tracking
- Recurring subscription detection
- Household money sharing
- Read-only bank connections through Plaid
- 30-day free trial with no credit card required
Mossy snapshot
Budgets, net worth, subscriptions, households, and AI in one app.
Frequently asked questions
Is Mossy a budgeting app?
Yes. Mossy is a budgeting app, budget planner, spending tracker, net worth tracker, and AI money manager built for people who want one clear place to understand their finances.
How much does Mossy cost?
Mossy costs $12.99 per month on a monthly plan, or $9.99 per month when billed annually at $119.88 per year. Every account starts with a 30-day free trial.
Does Mossy move money from my bank account?
No. Mossy is not a bank and cannot move money from connected external accounts. Account connections are read-only where supported.