Mosaic vs Carta: Which Should You Choose in 2026?
Choosing between Mosaic and Carta comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
By Toolradar Team · Last updated February 28, 2026 · Methodology
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Mosaic
Strategic planning and financial insights with modern FP&A software integrated with HR.
Best for you if:
- • You need data visualization features specifically
- • Integrates FP&A with HCM for strategic financial and headcount planning.
- • Replaces spreadsheets with real-time forecasting, reporting, and scenario planning.
Carta
Equity management and cap table software
Best for you if:
- • You want the higher-rated option (8.8/10 vs 7.3/10)
- • You need financial planning features specifically
- • Carta is a platform for managing equity, cap tables, and valuations for startups
- • It handles 409A valuations, equity grants, and liquidity events
| At a Glance |  Mosaic |  Carta |
|---|---|---|
Price | Paid | Paid |
Best For | Data Visualization | Financial Planning |
Rating | 73/100 | 88/100 |
| Feature | Mosaic | Carta |
|---|---|---|
| Pricing Model | Paid | Paid |
| Editorial Score | 73 | 88 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | Data VisualizationFinancial Planning | Financial PlanningCompliance Management |
How Mosaic and Carta Compare
Mosaic
Strategic planning and financial insights with modern FP&A software integrated with HR.
Paid · 73/100 score
Carta
Equity management and cap table software
Paid · 88/100 score
Mosaic is a data visualization tool. Carta is in financial planning.
Who Should Use What?
On a budget?
Both are paid. Compare plans on their websites.
Go with: Carta
Want the highest-rated option?
Mosaic: 73/100. Carta: 88/100.
Go with: Carta
Value user reviews?
Neither has user reviews yet.
Go with: Carta
3 Questions to Help You Decide
What's your budget?
Both are paid. Pricing won't help you decide here.
What's your use case?
Mosaic is a data visualization tool. Carta is in financial planning. Pick the category that matches your needs.
How important are ratings?
Carta scores higher: 88/100 vs 73/100.
Key Takeaways
Carta
- Higher score: 88/100 vs 73
- Our pick for this comparison
Mosaic
- Better fit for data visualization
The Bottom Line
Carta (88/100) is our pick.
Frequently Asked Questions
Is Mosaic or Carta better?
Carta scores 88/100 in our evaluation. Both are paid.
What are Mosaic and Carta used for?
Mosaic: Strategic planning and financial insights with modern FP&A software integrated with HR.. Carta: Equity management and cap table software.
What does Mosaic cost vs Carta?
Mosaic is a paid tool. Carta is a paid tool. Visit their websites for detailed pricing.