Mint alternatives: what to use now that Mint is gone
Intuit shut Mint down in 2024 and pointed users at Credit Karma. If that swap did not replace what you actually used Mint for — category budgets, bills, net worth in one place — this page covers the realistic alternatives, the trade-off that separates them, and how to move your data without starting from scratch.
What happened to Mint
Mint was discontinued in early 2024 and its users were directed to Credit Karma, also owned by Intuit. Credit Karma handles accounts, spending and credit score well, but it was never built as a budgeting tool in Mint's shape, so the category-budget habit many people had built over years did not carry across intact.
That is the real gap to fill. Before comparing apps, be honest about which parts of Mint you used: balances and a spending feed, or actual monthly limits you checked against.
What to look for in a replacement
Budgets you can adjust per month
Mint's category budgets were the feature people missed most. A replacement should let a category keep a default limit and still differ in the months you know will be unusual.
Net worth including debts
Balances alone overstate your position. Look for a view that nets cash and investments against credit cards and loans rather than listing assets only.
Import and export both ways
An import path gets your history in; an export path means the next shutdown is an inconvenience rather than a loss. Check both before you commit years of data.
How much access it needs
Sync-based tools need continuous access to your accounts through a third-party aggregator. Manual and CSV-based tools do not. Neither is automatically better, but it is worth choosing deliberately.
The main options compared
Pricing and feature sets change often, so check each vendor's own site before deciding. The lasting difference is the approach each one takes.
| Option | Approach | Best for |
|---|---|---|
| Finwise | Manual entry and CSV import, no bank connection | People who want full category budgets, net worth and bills without handing over bank access |
| Credit Karma | Intuit's own destination for former Mint users, account and spending focused | Anyone who mainly used Mint for balances, credit score and spending overviews |
| Monarch Money | Paid, sync-first, built around shared household budgeting | Couples and households who want automatic syncing and are happy to pay for it |
| YNAB | Paid, zero-based budgeting where every unit of currency is assigned a job | People who want the method as much as the tool and will follow it closely |
| Spreadsheet | Fully manual, completely customisable, no vendor at all | People who enjoy building their own system and maintaining formulas |
Where Finwise fits
Finwise is a web app that covers the Mint use case people miss most: transactions and categories, monthly budgets with per-month overrides, bills and recurring entries, goals, multiple accounts, credit cards and loans, and a net worth view that nets assets against what you owe. Insights are calculated deterministically from the data you record, so every figure traces back to a transaction you entered.
The honest caveat: Finwise does not connect to your bank. You add transactions manually or import a CSV with column mapping, a preview and duplicate detection. That is more effort than automatic syncing and fewer things that silently break — and it means your bank credentials are never part of the setup. Free accounts can start immediately, and CSV and PDF export are available on paid plans so your history stays portable.
- Moving from a Mint export: map the date, description, amount and category columns once, review the preview, and import.
- Starting fresh instead: add your accounts with opening balances and record from today — a clean month of real data is more useful than years of stale categories.
Mint alternatives FAQ
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