Quick start guide

We built Moka to help Canadians achieve a radically different level of wealth and disrupt the status quo. Moka is the solution that we dreamt of having—an investing app that makes it easy to get rich.

To help you get as much value out of Moka as we do, we've put together this quick start guide. As always, feel free to share your thoughts—good or bad—as that's how we get better.

The dashboard

	Projected future wealth The dollar amount you’re on track for based on your contributions, time horizon, and portfolio. Note: This won’t appear on your dashboard without a long-term investment goal. To create one, tap "+ Goal" and select "Millionaire goal".
	Upcoming transfers
	Weekly streak The number of weekly contributions you've made in a row.
	Create a new goal

Personalize your goals


Open it On the dashboard, tap on the goal that’s already created for you.	Change goal photo Tap the photo icon to upload your own photo.

Rename goal Tap the gear icon to open “Goal details”, and adjust the name of your goal.

Choose your account type

By default, Moka places your first goal in a non-registered account. However, choosing a TFSA or RRSP account may provide significant tax advantages.

For long-term investing, a TFSA is generally a great choice for Canadians due to its simplicity and the ability to continue growing your investment after age 71. While contributing to an RRSP may offer tax refunds, withdrawals can be taxed at rates as high as 53.53% if you withdraw fully, whereas TFSA withdrawals aren’t taxed.

	TFSA	RRSP	Non-registered
Tax-deductible contributions
Tax-free growth
Tax-free withdrawals
No age limit for contributions
To learn more about investment accounts, check out the Savings and pension plans resources provided by the Government of Canada.


Change account type Tap the gear icon, then tap the “Transfer to a TFSA or an RRSP” button on the Goal settings page and continue.

Understand your Moka portfolio

Your investment goals are allocated to specific portfolios chosen by your portfolio manager based on your investor profile and the goal's time horizon.

Moka offers five portfolios, with the Equity Growth portfolio presenting the highest growth potential. It’s 100% invested in the S&P 500 and is best suited for long-term goals of at least 10 years.

Portfolio	Composition	1yr¹	10 year projected annual avg²
Equity Growth (Highest growth high volatility)	100% equity	37.86%	15.42%
Balanced Growth	70% equity, 30% fixed income	29.68%	11.40%
Balanced	50% equity, 50% fixed income	24.24%	8.73%
Balanced Income	70% fixed income, 30% money market	8.79%	1.94%
Cautious Income (Lowest growth low volatility)	100% money market	4.55%	1.74%


See your investment portfolio On your goal page, tap the gear icon, then tap “Investment breakdown”. Note: It might take up to a week for this information to appear for a new account and goal.	Change your portfolio Tap the “Account” tab, then tap “Get help” to initiate live chat, then tap “Change my portfolio”.

See monthly statements


Access monthly statements Tap the “Account” tab, then “Documents”, and finally “Monthly Statements”. Note: Statements will be available in the middle of the following month once you've made your first contribution to your goal.	Review your statements You’ll be able to see your transfer activities for each goal, along with the investment’s performance across different time periods.

Get to know your Financial Freedom Calculator

Gain clarity and confidence in your financial future with our patent-pending wealth calculator. Experience the power of compound interest and discover how small increases in your contributions can grow into millions over time.

Note: The Financial Freedom Calculator is only available if your goal has a time horizon of 10 years or more and is in the Equity Growth, Balanced Growth, or Balanced portfolio. To view or change your portfolio, refer to Section 4 above. To change an existing short-term goal to a long-term goal (10 years or more), tap the gear icon on your goal, then select 'Goal details,' and adjust the 'desired goal achievement date.'

Access your calculator
Tap the “Adjust contributions” button to open up the financial freedom calculator.

	Adjust the age you are targeting to complete your goal.
	Drag on the graph to see your projected wealth at different ages.
	Adjust the age you want to stop contributing to your goal.

Check out the Leaderboard

Tap on the “staircase” button to visit the Leaderboard. Updated every Monday, the Leaderboard ranks the top 100 members based on their projected future wealth.

Feedback & support


Shake to provide feedback Your feedback goes straight to the top! It’ll even be reviewed by our CEO alongside our product team.	Chat with our support team Tap the “Account” tab, then tap “Get help”.

The Quick Start Guide only scratches the surface of what you can do with Moka. There is still a lot to discover within the app.

1 - The Moka Equity Growth portfolio performance for 1-year was 37.86%, for 3-years was 12.08%, and for 5-years was 14.48% as of October 31, 2024. The Balanced Growth portfolio performance for 1-year was 29.68%, the Balanced portfolio was 24.24%, the Balanced Income portfolio was 8.79%, and the Cautious Income portfolio was 4.55% as of October 31, 2024. Past performance is no guarantee of future returns.

2 - The 10-year projected annual return is calculated based on the 10 year weighted average total return of indices that closely match the composition of the Moka Funds, namely the S&P 500 Index denominated in Canadian dollars, S&P Canada Aggregate Bond Index and S&P 3-Month Canada Treasury Bill Index, in a manner consistent with the asset allocation mix of the Moka portfolios. The weightings applied to each index are as follows: Equity Growth = 100% equity, Balanced Growth = 70% equity and 30% fixed income, Balanced = 50% equity and 50% fixed income, Balanced Income = 70% fixed income and 30% money market, and Cautious Income = 100% money market. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index.