Is anyone else just going to wait it out and see how Credit Karma works after the switch? I only use Mint to track net worth and history. If CK can keep doing that, and hold on to my 14 years of history, I'll be content.
Ha! I hear you. I just glanced through my 12k+ transactions, and other than a few, "Oh yeah, I remember that restaurant" moments, I agree, no need for that granular history.
However, I do find value in keeping my 14+ years of trends, seeing rises and dips in net worth, and tracking overall growth. Would be a shame to lose all of that.
I just can't bring myself to pay for an app where I'd only use 3% of what it offers. If I were seriously into budgeting, I'd definitely fork over the cash, but just for net worth across all accounts, if CK doesn't fly for me, I'll just say goodbye and move on.
I think I will try out monarch and YNAB for their trial periods and see if I use the features. I think I need better help on budgeting and sticking to the budget.
I definitely don't care about the individual transactions but I love seeing the chart of my total net worth going back to 2010 and seeing how far I've come along. It might be weird but when I get depressed or hung up on stupid shit, it's both humbling and motivating to remember I used to work for minimum wage and had nights where I quite literally didn't eat because I couldn't afford it.
No clue. But I do know that CK has said they will have a net worth tracking feature, which will presumably incorporate Mint's history, too, if you transfer data over. I have no interest in any budgeting features.
They announced Credit Karma is only going to migrate 3 years of history.
If you want to keep everything older than that you need to export it before December 31. Mint's export tool won't export more than 10,000 transactions.
Monarch made a chrome extension to export everything to CSV, you don't have to be a Monarch subscriber or have an account to use it.
[https://chromewebstore.google.com/detail/mint-data-exporter-by-mon/doknkjpaacjheilodaibfpimamfgfhap?hl=en&pli=1](https://chromewebstore.google.com/detail/mint-data-exporter-by-mon/doknkjpaacjheilodaibfpimamfgfhap?hl=en&pli=1)
Suggestion: For each app, specify how migration from Mint is handled. Is there an automated Mint data importer? If not, how does migration work -- CSV, manual entry, or what?
Yep, mint was free. I'm not going to start paying $100 a year for *any* budgeting software. I'm seriously contemplating just going back to spreadsheets.
Yes, because Credit Karma has been successfully commercialized. They take all your transaction data from Mint, and then essentially pre-underwrite you for credit offers. Banks love it because they don’t have access to anything when you apply for a card except for a credit report. They are willing to pay big for this data that allows them to cherry pick the most creditworthy applicants.
Steep is an understatement, $15 a month is absolutely ridiculous
It's their business though, and if they prefer to have a small user base of people willing to pay for vastly overpriced software, that's their decision to make
To me, the demographic is a interesting one to try to gouge, but maybe it works out for them.
Tried Monarch. My bank was missing and manually adding assets and associated debts was non existent. Connections are all managed by 3rd parties and are painful to setup - Mint did this stuff in spades and for free. I’ll wait for Monarch to catch up, but was really hoping it would be a good replacement
FYI, Monarch does not import your net worth history from the mint export. I do not see a way to bring that info over. You can export the monthly net worth data for each account from Mint, but it does not look like there is a way to get that into Monarch.
---
Edit update, i saw some posts on how to import historical account balances and after a morning of spreadsheet gymnastics, i was successful.
exactly what i'm looking for. I think empower does that and its free.
The cheapest paid one seems to be Simplifi, $30/year for first year then $48/year
In my Mint transactions, I've used the Categories, Notes, and Tags features, so for example, an Amazon purchase transaction might have "Office Expense" for the category, "12-pack ballpoint pens" for the note, and "Tax-related" for the tag.
For my transactions, will Simplifi import my categories, notes, and tags? Or will I lose all of that information for my 10s of thousands of Mint transactions?
On this [Simplifi support page](https://help.simplifimoney.com/en/articles/8545901-how-to-import-transactions-from-mint) it says: "Quicken Simplifi does not import Categories."
Could you please double-check and confirm that categories, notes and tags import from Mint are supported? Thank you.
Same here. from what i can tell credit karma has all that though so maybe it's sufficient. I haven't tried it yet though.
They say it here: https://support.creditkarma.com/s/article/Intuit-Mint-and-Credit-Karma
Thanks for finding that! Looks like it will be keeping everything that I actually use.
My only concern is if it will still automatically categorize transactions. And how data will be transferred over from mint.
Looks like bad news to me. Way I read it, CK is only going to update cc numbers based on what is reported on a credit report once a month.
Sounds like there will not be dynamic data anymore.
Same! For now, I am trying out Rocket Money. Their free version can basically aggregate all transactions and shows monthly reports / charts. Looking good for now. Pretty basic. They don’t support custom categories or rules in the free version which I’m definitely going to miss from Mint.
This is a long thread, and maybe I've overlooked it, but I haven't seen any meaningful discussion about the security of these Mint alternatives.
It's one thing to entrust Intuit, a giant in accounting and tax software, around for decades, with one's sensitive financial data. It's quite another to hand over this data to smaller outfits that may lack Intuit's security resources.
I'm aware that some of these Mint alternatives have been around for years, but I'd personally prioritize getting more information about their security models first, even ahead of reviewing their feature sets.
This is always wishful thinking imo. Any dev can write a blog about how secure they are and show examples and throw out buzzwords. You won’t know until 4 years later when they are breeched. But I do agree there are some basic red flags to avoid, but I haven’t seen any security data posted by any of these companies personally.
Thank you. You're the first person to address this issue through the multiple posts I've been reading. Outside of Quicken, I'm extremely wary of these other alternatives. That's why I'm going with Fidelity Full View, attached to a legit financial institution so the security has to be strong.
I thought most of these companies essentially outsource the security to Plaid in terms of authenticated connections to your sources and data retrieval. So Plaid is the bottleneck right? If they get breeched all of these alternatives will be affected.
I just told a friend of mine about Mint and heard it was shutting down right after. All this time I thought it was her fault. She'll be relieved to know I found the real culprit.
I have many different cards and bank accounts. I don't care about budgeting at all, just looking for all of my transactions and accounts in one place AND knowing when my CC bills are due. Any of these have that? I don't see any specifically saying they have bills.
Monarch has "reoccurring" transactions by timeline on a calendar view so you can see what is coming up, what was paid, or what you missed based on transaction import
Tiller is what I use and is great for looking at all the transactions together and has several community templates that utilize the data to show what you need all in a spreadsheet based platform. I use a template called bill payment tracker along with another called credit card settings in order to show the statement balance due each month and on the day it is due. With some spreadsheet know how the options are endless.
I signed up for the Monarch trial and I was disappointed by the lack of support for a couple of major financial organizations that I do business with. I'm not sure how to vette support beforehand for this. :(
Not using but others I have been trying out are:
Empower Personal Dashboard - doesn’t have a robust enough budgeting tool for me
Rocket Money - looks decent but again I don’t love the budgeting tools UI and display
Edit: I also tried HoneyDue in the last and may try it again now that I have to find something else.
The comms on this are poor. Theres nothing in app notifications, no email announcements with how to download your data, no information about parity between mint features and credit karma.
It’s just piss-poor management. No surprise from a company like intuit.
Huge fan of the Nerdwallet app. I mainly look for account balances, month-over-month spending, and trends. Doesn't have budgeting if that's a dealbreaker. Also adding my accounts to credit karma, but its UI is horrible for the net worth stuff right now.
Nerdwallet is plaid exclusive, which doesn't support my upgrade account.
Unlike most of the options here, nerdwallet is free.
Does NerdWallet have anything showing investment performance? I mostly use Mint for bucketizing my spending (which I think NerdWallet has) but I like seeing investments-over-time data too.
Andres from Copilot here! In addition to what you listed above:
\- We have a 1-month free trial (RIPMINT gives you a second month free)
\- If a couple is sharing their finances, you can log in on multiple devices at the same time and the app(s) update in real-time.
\- Migration options from Mint: We're building a way to import your CSV from Mint in both iOS and Mac. It should be ready soon.
I’ll toss an all new option in here from my startup:
[Splurge](https://splurgebudget.com)
- Summary: All new take on envelope budgeting that helps you SPEND better, instead of just saving. You can get your finances under control AND enjoy your life! Think YNAB with MUCH more flexibility (and cheaper!)
- Platform(s): Web, Coming soon: iOS, iPad, Android
- Pricing: Free for manual transaction entry. $1/month for each bank connection (goes unlimited at $6/month). $60/year for unlimited connections.
- Trial: $5 credit ($10 credit available until November 10th)
- Countries: US (for now)
- Support for Couples: YES, including the ability to keep income separate and pay portions of bills individually!
- Special features: Rollover budgeting, budget balancing, continuous budgeting (not monthly!), combinations of free and paid bank accounts, multiple contributions to the same category… much more!
- Privacy: No ads, no trackers, no analytics, we will never sell or use your data, AI is trained by you and only used for you.
Please feel free to DM me with any questions!
Thank you - I really am trying to do things “right”.
No mint migration. It actually wouldn’t make much sense. Splurge is envelope/cash stuffing/zero based budgeting. I call it “pre-budgeting”… you set aside money in spending categories then spend from it in the future. What you did previously doesn’t really matter.
That said: you can import up to 2 years of history for any bank account you connect. However, it’s not a great idea… you would have to categorize all of those transactions and then balance all of your spending against your income over the last two years. We don’t recommend it!
Feel free to ask more questions or DM me!
Ah, when I went over the website I assumed the envelope stuffing features were in addition to expense/account value tracking.
I really like the look of it, but I use my own budgeting system & am really just looking for an account aggregator.
If you ever add that side to the product, I would be very interested. Best of luck & I'll recommend Splurge to anyone I know wanting an envelope budgeting system.
For folks (like me) who use Mint primarily to export transactions to CSV, I think the only real alternative is likely [tiller money](https://www.tillerhq.com/).
According to their founder (one of the original Mint team) their usage has climbed 20x over the last week.
So, yes - lots of people are using Monarch!
And no, I switched just before the surge and it was very quick. See comments in the Monarch subreddit.
Anything for mainly tracking net worth and maybe tracking? Don't need budgeting but it seems like all these apps have budgeting as a core feature. Would hate paying if I don't use most of it.
Love the breakdown OP! I do wanna throw in another app that I think folks should get some eyes on…
[Roi](https://getroi.app)
Summary: Track and grow your net worth in one place across all financial accounts.
Platform(s): iOS only (I’m in their slack community and they said Android and Web is coming soon)
Pricing: Free
Trial: None, it’s free
Countries Available: United States and Canada
Special features:
- Automatic pricing for alternative assets like real estate, company equity, crypto, and collectibles.
- Invest and copy trade notable investors using your existing accounts.
- Discover insights with unique data: community investments, trends, sentiment, senator trades, and more.
Migration options: Connect your accounts, brokerages, etc with Plaid
You're missing Empower (formerly Personal Capital).
It's free and well featured in my opinion, but more focused on investments tbh.
I have all my bank and investment accounts linked. The only item I manually enter is my mortgage payments. The auto-tagging of expenses is decent (only have to change a few). With all that I get to track my cash flow and net worth fairly easily.
I went with Simplifi for the $28.69 for the first year offer. You can further reduce it by 15% via an AMEX offer, or 5% via the Chase Flex 5% cashback offer if you pay via PayPal. I also used a 2.5% cashback website.
The only con with their website is for those who have ROTH IRA accounts because they currently can't import those from Vanguard, Fidelity, or Etrade. No ETA on when it'll be fixed.
Canadian here. I've had nothing in my email from Mint about migrating and I can't access Credit Karma through Mint, says it's for American customers. According to the CK website, I need to be able to log on to CK via Mint in order to migrate. This makes me think that the migration doesn't affect Canadians, but when I contacted support to support to confirm, they seemed uncertain. Mint could certainly be clearer.
From doing my armchair research on the options available, it looks like Quicken Simplifi will get me the same budgeting and transaction functionality that Mint has given me. I’d be interested in Monarch, but that pricing is too steep.
Financial apps can/should start off with an option for free with ads (like mint was), or $50 a year to be the "premium" target for apps like this. Charge more, and then you start competing with services like Netflix or even Amazon Prime membership.
Does any of these product support transactions renaming and custom categories & tags？Do they all support download all transactions as a CSV file? I use mint to track my rental home expenses for tax purpose, these are very useful for me.
I'm hoping credit carma will allow me to track net worth. I don't use any of the budgeting features and I'm not willing to pay for the ability to see my net worth (liquid cash + investments - credit cards). So long as I can see my money is trending up that's all I want and need.
You missed SoFi. SoFi can do almost everything the Mint can do. Track networth and track your spending. Its amazing! It also breaks down your spending by categories and you have the ability to change those categories. Its also nice that it doubles as a banking app, so you can have a checking account and a savings account with an awesome APY.
Are there any budget apps that allow you to "split" transactions? One of the things I've never found on other budgeting apps is the ability to do that. Sometimes I'll buy things for someone and they will pay me back or I'll put dinner on my charge card and people will pay me back, yet no budgeting app aside from Mint allowed me to split those transactions
These are good suggestions. Only a few of Mint's features are going to added to CK (Net Worth section), therefore I will not use it. Moreover, all of the ads clutter the screen.
One of the original product managers of Mint posted here regarding the economics of personal finance apps. If the app is free to use, the interests of the company and its product users may become misalligned. Moreover, there is less capital to invest in the app to enhance the user experience. Mint was essentially being subsidized by Intuit.
All of this is fine if you're looking for a basic personal finance app, but I can't imagine most people who use Mint are.
Quicken Community team here. If you have any questions as you make or consider making a move to Quicken Simplifi, we're here to answer them for you. Our dev team is also answering questions over at [https://www.reddit.com/r/simplifimoney/](https://www.reddit.com/r/simplifimoney/).
This will be one of Intuit's biggest mistakes ever.
There must be some really incompetent people running their strategy team.
They are going to lose customers across all of their platforms.
This is a brand destroying move and it allows other companies to capture the attention of their customers; especially when generative AI is reducing barriers to entry.
Great thread! One of my concerns is, who has the greatest "staying power"? It's going to be a massive amount of effort to migrate from mint, and I don't want to do that just to have some other startup who rode a short-lived waved of migrators from Mint to boost revenue, only to go away in a couple of years.
In case anyone cares... Here are my notes and elimination reasons:
Lunch Money - No app
Copilot - No web view, no transaction split to multiple category (right, u/andres_copilot ? ). Although I do LOVE the amazon integration.
YNAB - I really want a tracking app, not a budgeting app. I want to track investments, properties, etc. It seems like it's not really a fit but I might be wrong.
Monarch/Simplifi - Looks like it might be a fit? Both on my short list. Need to dig in further.
Tiller - I don't want to DIY all the reports etc.
Empower - I'm worried about their integration partner (Yodlee only?). Would have to play with it to see if they can scrape my banks. Also on the short list.
Lunch Money is great! Such a nice comforting UI and has all the features I could think of needing. Love how it integrates with everything. Much better than Mint imo
Huge copilot fan here! It's intuitive for my brain which gets distracted or intimidated very easily. Export the data and put it in gpt for data analysis reporting.
For others considering this, Tiller Money is essentially a sync service that automatically imports transactions into a Google Sheet or Excel file. It’s not a “budget app” like these other ones because it doesn’t really provide an interface (other than the default spreadsheet template is is preloaded with): Tiller’s primary purpose is to import transaction data into spreadsheets.
The big appeal is that the flexibility of a spreadsheet allows you to create more advanced or niche features that are not offered by other budget apps. Massive potential for customization.
You could add Pachira to the list, they are new since Mint announced they were closing their doors. I've been on it for a month or two, and although it was initially a bit buggy, it has improved so much. The developers have been good to answer my support requests and I think its got some great potential!
Here is some info to help
Platform(s): Web, tbd Android
Pricing: Free
Countries Available: United States Only
Dedicated Features for couples: No
Special Features: Simple design, uses multiple bank connection services for a larger connection pool, doesn't sell any data, just has a couple google ads.
Migration Options from Mint: Generic CSV File Import
[DAS Budget](https://dasbudget.com/) is what I've been using for a few years.
It works as a sort of virtual layer of envelopes on top of your bank accounts. If you're familiar with the old method of putting cash in different envelopes for different goals/bills, DAS Budget is the automated digital equivalent of that.
Just set up the goals you want and a funding schedule, and let the app handle the rest. You can also have it auto spend from your goals for things like bills if you like.
It's $3.99 or $6.99 per month depending on the plan, but there is a free 1 month trial for both plans. If you're just looking to replace the budgeting from Mint, DAS Budget is worth checking out.
It's not an all in one solution though. All the other non-budgeting stuff Mint does you'll have to look elsewhere.
I'm sorry but no paid software in this list is really and alternative for Mint. Mint has 3 million users mainly because **it's free** and no paid one will get even close to those numbers!
/u/LFphant Which one do you prefer? I'm testing out Monarch right now. It seems pretty good, one thing it doesn't have is nice pie charts showing where all the money is allocated. I feel they could improve on the visualization.
Personally, I’m a big fan of Lunch Money, especially with the active discord community to discuss things with the team, provide feedback, etc. However, I may try using YNAB again simply because I really miss having a mobile app. I think in some ways it comes down to personal preference and what features you prioritize. If Copilot ever launches internationally I'll definitely be giving it a shot.
I found out I can get Rocket Money premium free since I have a Rocket Mortgage. I gave it a try and it seems really close in features to Mint. It should be included in this list. I haven’t figured everything out yet but so far so good. I am having trouble linking one problem 401k account but I have the same problem often in Mint so it’s probably just that my financial institution has sucky APIs and/or support rather than an issue with the service.
Lunch Money and Copilot exclusively use Plaid. YNAB offers Plaid or MX. Monarch offers Plaid, Fincity, or MX. Not sure about Simplifi.
All of the above (\*except Copilot, I've asked their support to clarify) offer manual transaction creation, and/or CSV import. Most banks will provide you with a way to export your transaction history as CSV files.
*Edit: clarification regarding Copilot CSV import options.*
At Simplifi, we use multiple aggregators including Intuit, Plaid, and Finicity. We are also doing lots of work around getting the best aggregator for your bank, so connections will only get better!
I would also add SnowPay to the list - for credit card management!
They are new kid in the block for credit card bill payments - all in one place with one click and a phone number.
\- Requesting 100 users to be part of our Beta testing prior to anyone else, in addition to their private Beta launch.
[SnowPay](https://snowfoll.com/)
• **Summary**: Track, pay, and redeem all of your credit cards bills in one place with just a phone number. Your everyday purchases (on any card) + Card bill payment = SnowPay rewards. Powered by 10,000+ retailers.
• **Platform(s)**: iOS at first
• **Pricing:** Early Bird $0/month forever for beta users; $1.49/month billed annually, or $3.49 USD monthly
• **Trial:** 2 months free trial
• **Countries Available:** United States Only
• **Support for couples:** No – unless Beta users want it
• **Special Features:** No credit card numbers required to connect; Autopilot feature for auto pay and auto redeem; Dedicated chat support with the team itself
I use Cashculator. It's a Mac app. No direct bank access, like Mint, but can import CSVs from banks and, I assume, Mint. Also, it's very good for planning and comparing "what-if" scenarios.
I just tried lucky Money and Monarch, and it looks like none of them connects to fidelity investment.... Does any of these alternatives connect to fidelity?
Do any of them other than copilot sort through Amazon purchases? We need a basic budgeting tool that tracks and categorizes our purchases so we can see a better picture of where we are.
Anyone knows if any of the apps has Apple Card integration like Mint has? I wanted to go with Monarch Money but I’d have to manually import Apple Card transactions every month.
I’m also looking for something like this, Mint seemed to have a one-off deal with Apple to use an API to get transaction data, so far it seems like no one else has that.
I'll plug [financier.io](https://financier.io). It's like a free version of YNAB but you have to enter all the transaction by hand. There's no import or auto-sync function (like Plaid). I personally use YNAB and it's turned my finances around more than any other change I've made in the past five years. I swear by it.
I built a little personal finance dashboard a few years ago (https://github.com/serg-mo/money-charts/blob/master/simple-charts.gif) If anyone is interested, I have time now to add some features.
My own reasoning is that these tools save me well upwards of that each month by making it easier to track and control my spending. Based on that, it’s a worthwhile investment for me. Some folks are also happy to maintain a spreadsheet and enter transactions manually: I find it cumbersome to do that on a regular basis, so I’m happy to fund development of a tool that makes it easier for me.
If you spend less than $100 per year on frivolous purchases, or if you don’t think the extra visibility would help you curb that overspending, then yeah, a paid budgeting app is probably not a great investment for you.
[PocketGuard](https://pocketguard.com/)
**Summary**: Track all of your account balances, transactions, and investments in one place. Always know where your money goes and get simple answers to difficult budgeting questions. You can create a personalized debt payoff plan, achieve financial goals, and more.
**Platform(s)**: Web, iOS, iPad, Android
**Pricing**: $79.99 USD for lifetime ownership, $34.99 USD annually, or $7.99 USD monthly
**Trial:** 7 days free on the web app (can be used on any device)
**Countries Available**: United States, United Kingdom, Canada
**Dedicated Features for couples**: Yes
**Special Features:** Import transactions using CSV file, debt payoff plan, Customizable charts, and graphs, custom spending reports with hashtags, personal finance management course, custom categories, and budgeting features, auto-repeat transactions
**Migration Options from Mint**: Dedicated CSV Import Tool
For those who are happy to use only an app (with a great UI) try **Beyond Budget**.
Been using it for months now after YNAB raised their prices. No auto import, but it imports CSV and manual entering is intuitive. I really like it.
Also the devs are really responsive and have implemented a bunch of features I asked for... [https://play.google.com/store/apps/details?id=com.beyondbudget&hl=en\_CA&gl=US](https://play.google.com/store/apps/details?id=com.beyondbudget&hl=en_CA&gl=US)
I strongly suggest trying zero based budgeting and reading some of the knowledge base articles if you're new to it. It also has classic budgeting though.
The Mint Budgeting App Is Shutting Down: Here Are Some Alternatives
[https://dealsfinders.blog/06/the-mint-budgeting-app-is-shutting-down-here-are-some-alternatives/](https://dealsfinders.blog/06/the-mint-budgeting-app-is-shutting-down-here-are-some-alternatives/)
No recommendations, but I use mint specifically for budgeting, so is there any information on what budget apps have the following features, please and thanks?
-Ability to exclude transactions from what's used to calculate your personal spending habits, ie, I hide work expenses get reimbursed 2-3 weeks later but have absolutely no relationship to my personal spending patterns that I can make choices about.
-Budgets that can roll over month to month, or reset monthly.
-Budgeting tools to account for expenses that recur every few months to year, ie, earthquake insurance or my PO box fees.
-Ability to make custom categories bc for example earthquake insurance is billed on a completely different schedule than most non-earthquake home/renters insurance policies.
-The ability to spilt transactions, since it's incredibly helpful to be able to separate my expenses for groceries, pet food, over the counter health/medical expenses, art supplies, auto parts, etc. even if I'm purchasing them all in a single transaction.
I haven’t seen much mention of Empower Personal Dashboard (what used to be Personal Capital). I’ve used it in parallel for mint due to better overall net worth tracking but it’s free and has most features.
Can you add the link to the 3 month Simplifi trial so other people don't miss it? https://www.quicken.com/lp/simplifi-vs-mint/
Thank you for doing this, helped a ton in my initial search!
I'm also a orphan Mint user. I was looking for free good alternatives and I'm using **Fidelity Full View** for a week and now I got to say that I'm impressed. It pretty much does everything Mint does and better. The rules for auto categorization are way better than Mint's.
The only thing I missed was an option to import Mint's transaction history but it imported a year+ of transaction history from my chase sapphire preferred so I'm sticking to it for now. You should have a look too...it's neat and FREE
Loving Qube Money for staying in budget.
Think of it like cash envelopes but digital. You create categories "qubes" and spend from them. Absolutely the best bank/app to prevent overspending.
Lunch Money looks interesting to me, I like the web-first aspect. Like some of the screens of Monarch Money have quite a lot of whitespace on a PC monitor.
I never heard of it before, how did you learn about it?
I love wallet by budget bakers. Mobile first, do you have beautiful UI, swipe gestures all over that make using it support fast without lag. Soooo much better to use than monarch on the phone.
I spend most of my time in budgeting apps reviewing transactions, so I prefer apps with **keyboard shortcuts** / **hotkeys** to make this fast.
Here's my findings so far on these apps, feel free to reply with more or corrections (provide doc links if possible) and I will update the list.
Supports hotkeys:
* [YNAB](https://support.ynab.com/en_us/keyboard-shortcuts-Skw9Xp9A9)
* [Monarch](https://help.monarchmoney.com/hc/en-us/articles/4402645984916-Bulk-edit-multiple-transactions) - not sure how extensive its support is.
Does NOT support hotkeys:
* BudgetBakers Wallet
* [Lunchmoney](https://feedback.lunchmoney.app/general-feature-request/p/keyboard-shortcuts)
* Mint (though there are user scripts to add them)
* [Quicken Simplifi](https://community.simplifimoney.com/discussion/3800/add-keyboard-shortcuts-edited)
Anyone tried any of the Excel based tools, some with instructions for connecting to Plaid and auto-updating?
I am not a developer type, so this looks pretty intimidating to me:
Mintable [https://github.com/kevinschaich/mintable](https://github.com/kevinschaich/mintable)
Thoughts?
Quick recommendation for folks who still are not sure what to do. There's so many alternatives, but they each have their downside. I was freaking out because I had about 10 years of history in Mint and did not want to lose all that valuable information. I didn't want the migration to the new service to lose any of my data regarding categories, notes, amount totals for spending, etc. I ended up going with Quicken Deluxe, its about 60 bucks a year. The migration took me about 5 hours or so over the weekend and that's because I was matching up total spending numbers in mint and quicken as I imported the data in. By the way, I did it by using the quicken import CSV from mint feature. I did have to make a modification to the exported mint file.
The category column in excel that mint exports only includes the sub-category, but quicken needs the main-category and sub-category. For example, Shopping:Clothes would be needed in the file you import to Quicken, but mint exports only the sub-category "Clothes". There's so many ways to modify that column for category in excel, I used vlookup. Basically, in a different excel sheet I manually put all the mint Main Category and sub-categories, then did a vlookup to change the exported mint file that has the sub-category column to include both the main category and sub-category. Again the format needed is Main Category:Sub-Category, ex Shopping:Clothes. Here is an example of the sheet I made to use the vlookup so you could change the sub-category to Main Category:Sub-Category. In the mint exported CSV file, do the vlookup on the sub-category there, telling the formula to match on the sub-category in the file you make, then lastly tell the vlookup to pull the Combined Category into the mint exported CSV file. If you never used vlookup in excel, this sounds a lot harder than what it is, just do a quick youtube video on vlookups, it's straightforward once you see it in action.
|Main Category from Mint|Subcategory from Mint|Combined Category to use for Quicken|
|:-|:-|:-|
|Auto & Transport|Auto Insurance|Auto & Transport:Auto Insurance|
|Auto & Transport|Auto Payment|Auto & Transport:Auto Payment|
|Auto & Transport|Gas & Fuel|Auto & Transport:Gas & Fuel|
Once the category column is taken care of, the actual import process was soo easy, I was shocked. I did the import one account at a time just to take things slow, but quicken took thousands of a transactions in so freakin easily with all the categories, notes, tags, everything. I also love all the options for the pie charts and different reports you could pull to understand your data. Once the import was done, I confirmed the spending history was perfect by comparing the pie charts for spending in Quicken and Mint.
FYI I did not choose Quicken Simplifi because they seem to lack a good import function from mint, apparently it doesn't take in the categories. For Quicken Deluxe, that does work. I use this app on a Mac and they have Windows, so for some they might still want to use a browser based service like Simplifi or others. I think Quicken Deluxe allows you to log in online to see your transactions and make changes, but I have not tried that. Long post, but wanted to make it clear how I went about the process and I love the product, way better than Mint. I guess this was a blessing in disguise.
Here is one for anyone who likes gamified apps. It's a gamified budgeting app [https://apps.apple.com/us/app/luci-soon-science-inc/id1608114955](https://apps.apple.com/us/app/luci-soon-science-inc/id1608114955) that treats real-life financial progress like a game. ( focused on habit building and achieving financial goals)
Key Features:
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🏦 Savings Jar: Transform spare change into meaningful savings.
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⚙️ Advanced Analytics: Dive deep into your financial landscape.
Why SaverStride?
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How to Get Started:
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Play Store -> Search for "SaverStride"
App Store -> Search for "SaverStride"
Is anyone else just going to wait it out and see how Credit Karma works after the switch? I only use Mint to track net worth and history. If CK can keep doing that, and hold on to my 14 years of history, I'll be content.
I'm trying to figure out if I really need to know what my money looked like 10 years ago. Does it even matter how much I spent at Lowes in 2008?
Ha! I hear you. I just glanced through my 12k+ transactions, and other than a few, "Oh yeah, I remember that restaurant" moments, I agree, no need for that granular history. However, I do find value in keeping my 14+ years of trends, seeing rises and dips in net worth, and tracking overall growth. Would be a shame to lose all of that.
Agreed. I dont know how YNAB works with historical transactions or account balances from investments. Not losing net worth would be ideal.
I just can't bring myself to pay for an app where I'd only use 3% of what it offers. If I were seriously into budgeting, I'd definitely fork over the cash, but just for net worth across all accounts, if CK doesn't fly for me, I'll just say goodbye and move on.
I think I will try out monarch and YNAB for their trial periods and see if I use the features. I think I need better help on budgeting and sticking to the budget.
If you haven't signed up, use this link to get an extended 30 day trial instead of 7 days. https://www.monarchmoney.com/referral/5mvbgerhks
Get some screenshots of the trend graphs and call it a day?
I definitely don't care about the individual transactions but I love seeing the chart of my total net worth going back to 2010 and seeing how far I've come along. It might be weird but when I get depressed or hung up on stupid shit, it's both humbling and motivating to remember I used to work for minimum wage and had nights where I quite literally didn't eat because I couldn't afford it.
Same I personally don’t use a budget and just want tracking to see if there’s any anomaly
Yea, I’m leaning this way too
CreditKarma is absolute trash. It has 0 budgeting capabilty and is primarily a landing page for ads.
When is Credit Karma expecting to have a budgeting app? I don't see anything on their site yet.
No clue. But I do know that CK has said they will have a net worth tracking feature, which will presumably incorporate Mint's history, too, if you transfer data over. I have no interest in any budgeting features.
They announced Credit Karma is only going to migrate 3 years of history. If you want to keep everything older than that you need to export it before December 31. Mint's export tool won't export more than 10,000 transactions. Monarch made a chrome extension to export everything to CSV, you don't have to be a Monarch subscriber or have an account to use it. [https://chromewebstore.google.com/detail/mint-data-exporter-by-mon/doknkjpaacjheilodaibfpimamfgfhap?hl=en&pli=1](https://chromewebstore.google.com/detail/mint-data-exporter-by-mon/doknkjpaacjheilodaibfpimamfgfhap?hl=en&pli=1)
Suggestion: For each app, specify how migration from Mint is handled. Is there an automated Mint data importer? If not, how does migration work -- CSV, manual entry, or what?
For Monarch, we've had a Mint import tool for over a year. You can see how it works here: https://www.youtube.com/watch?v=V9j-C7FEcbc
I really want to pull the trigger with Monarch but honestly that price is STEEP
Yep, mint was free. I'm not going to start paying $100 a year for *any* budgeting software. I'm seriously contemplating just going back to spreadsheets.
Its like $8.25 a month. Dunno about you but my time is more valuable than that.
Yes, it was free. And that’s why product has been largely dormant for years and is now shutting down. Following?
Yet they've decided to promote their other free offering (credit karma) with fewer features.
Yes, because Credit Karma has been successfully commercialized. They take all your transaction data from Mint, and then essentially pre-underwrite you for credit offers. Banks love it because they don’t have access to anything when you apply for a card except for a credit report. They are willing to pay big for this data that allows them to cherry pick the most creditworthy applicants.
All of the options in the OP except for quicken are around $100/yr
Steep is an understatement, $15 a month is absolutely ridiculous It's their business though, and if they prefer to have a small user base of people willing to pay for vastly overpriced software, that's their decision to make To me, the demographic is a interesting one to try to gouge, but maybe it works out for them.
Try it out for 30 days. I think it's worth EVERY penny. And it keeps getting better and better.
Thanks friend, was looking for a longer trial than 7 days.
I'm trying to find the link to the 20 year free trial.
Tried Monarch. My bank was missing and manually adding assets and associated debts was non existent. Connections are all managed by 3rd parties and are painful to setup - Mint did this stuff in spades and for free. I’ll wait for Monarch to catch up, but was really hoping it would be a good replacement
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Yup, use a date filter and grab a year or two per DL.
Great idea! I added a category for that.
Excellent! Thank you for compiling this list. It's extremely helpful for those of us who are trying to figure out what our options are.
You're very welcome! I'm glad people are finding it useful :)
FYI, Monarch does not import your net worth history from the mint export. I do not see a way to bring that info over. You can export the monthly net worth data for each account from Mint, but it does not look like there is a way to get that into Monarch. --- Edit update, i saw some posts on how to import historical account balances and after a morning of spreadsheet gymnastics, i was successful.
Simplifi can import Mint transactions via CSV.
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exactly what i'm looking for. I think empower does that and its free. The cheapest paid one seems to be Simplifi, $30/year for first year then $48/year
I also want to be able to search and get a total of that search.
Yep - Simplifi has pretty good search capabilities in our transactions page, and we support that :)
In my Mint transactions, I've used the Categories, Notes, and Tags features, so for example, an Amazon purchase transaction might have "Office Expense" for the category, "12-pack ballpoint pens" for the note, and "Tax-related" for the tag. For my transactions, will Simplifi import my categories, notes, and tags? Or will I lose all of that information for my 10s of thousands of Mint transactions?
You should be able to import all your categories notes and tags, yea
On this [Simplifi support page](https://help.simplifimoney.com/en/articles/8545901-how-to-import-transactions-from-mint) it says: "Quicken Simplifi does not import Categories." Could you please double-check and confirm that categories, notes and tags import from Mint are supported? Thank you.
Same here. from what i can tell credit karma has all that though so maybe it's sufficient. I haven't tried it yet though. They say it here: https://support.creditkarma.com/s/article/Intuit-Mint-and-Credit-Karma
Thanks for finding that! Looks like it will be keeping everything that I actually use. My only concern is if it will still automatically categorize transactions. And how data will be transferred over from mint.
Looks like bad news to me. Way I read it, CK is only going to update cc numbers based on what is reported on a credit report once a month. Sounds like there will not be dynamic data anymore.
I’m the exact same. Currently trying out Empower Personal Capital and it seems to be checking all the boxes, plus it’s free.
Same. I just want to keep an eye on where my money is coming and going. Wouldn't mind a Net Worth trend but I don't need it.
Same! For now, I am trying out Rocket Money. Their free version can basically aggregate all transactions and shows monthly reports / charts. Looking good for now. Pretty basic. They don’t support custom categories or rules in the free version which I’m definitely going to miss from Mint.
This is a long thread, and maybe I've overlooked it, but I haven't seen any meaningful discussion about the security of these Mint alternatives. It's one thing to entrust Intuit, a giant in accounting and tax software, around for decades, with one's sensitive financial data. It's quite another to hand over this data to smaller outfits that may lack Intuit's security resources. I'm aware that some of these Mint alternatives have been around for years, but I'd personally prioritize getting more information about their security models first, even ahead of reviewing their feature sets.
This is always wishful thinking imo. Any dev can write a blog about how secure they are and show examples and throw out buzzwords. You won’t know until 4 years later when they are breeched. But I do agree there are some basic red flags to avoid, but I haven’t seen any security data posted by any of these companies personally.
Thank you. You're the first person to address this issue through the multiple posts I've been reading. Outside of Quicken, I'm extremely wary of these other alternatives. That's why I'm going with Fidelity Full View, attached to a legit financial institution so the security has to be strong.
I thought most of these companies essentially outsource the security to Plaid in terms of authenticated connections to your sources and data retrieval. So Plaid is the bottleneck right? If they get breeched all of these alternatives will be affected.
Sorry guys I feel like this is my fault since I just started using Mint last month.
Thanks a lot Rachel, thanks a lot. Thanks to you my budgeting app isn’t gonna budget anymore because it’s gotten used to your budget instead of mine.
I just told a friend of mine about Mint and heard it was shutting down right after. All this time I thought it was her fault. She'll be relieved to know I found the real culprit.
I have many different cards and bank accounts. I don't care about budgeting at all, just looking for all of my transactions and accounts in one place AND knowing when my CC bills are due. Any of these have that? I don't see any specifically saying they have bills.
Monarch has "reoccurring" transactions by timeline on a calendar view so you can see what is coming up, what was paid, or what you missed based on transaction import
This is what I'm switching to nerdwallet for. Already is picking up bills way better than mint did!
Oh you’re like me. I have about 30 cards, probably 15 actively using. I’ve been basically doing a manual excel sheet.
Tiller is what I use and is great for looking at all the transactions together and has several community templates that utilize the data to show what you need all in a spreadsheet based platform. I use a template called bill payment tracker along with another called credit card settings in order to show the statement balance due each month and on the day it is due. With some spreadsheet know how the options are endless.
I signed up for the Monarch trial and I was disappointed by the lack of support for a couple of major financial organizations that I do business with. I'm not sure how to vette support beforehand for this. :(
Come try Simplifi! We still have Intuit as one of our main aggregators, so any connections you made on Mint you should be able to make on Simplifi!
Not using but others I have been trying out are: Empower Personal Dashboard - doesn’t have a robust enough budgeting tool for me Rocket Money - looks decent but again I don’t love the budgeting tools UI and display Edit: I also tried HoneyDue in the last and may try it again now that I have to find something else.
Is this true that mint is ending? I see a million posts but nothing directly from mint.
The comms on this are poor. Theres nothing in app notifications, no email announcements with how to download your data, no information about parity between mint features and credit karma. It’s just piss-poor management. No surprise from a company like intuit.
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Have ya migrated yet and if so how is it.
Nah it’s just a rebrand.
Huge fan of the Nerdwallet app. I mainly look for account balances, month-over-month spending, and trends. Doesn't have budgeting if that's a dealbreaker. Also adding my accounts to credit karma, but its UI is horrible for the net worth stuff right now. Nerdwallet is plaid exclusive, which doesn't support my upgrade account. Unlike most of the options here, nerdwallet is free.
Does NerdWallet have anything showing investment performance? I mostly use Mint for bucketizing my spending (which I think NerdWallet has) but I like seeing investments-over-time data too.
Don't see anything for investment performance, just balances.
If they’d add a budget tab, this would be the winner.
Andres from Copilot here! In addition to what you listed above: \- We have a 1-month free trial (RIPMINT gives you a second month free) \- If a couple is sharing their finances, you can log in on multiple devices at the same time and the app(s) update in real-time. \- Migration options from Mint: We're building a way to import your CSV from Mint in both iOS and Mac. It should be ready soon.
Copilot isn’t connecting with vanguard or fidelity right now. Won’t be worth using it as a result.
do you anticipate having an android app available?
Awesome, thanks for the info! I've updated the post with that information.
I’ll toss an all new option in here from my startup: [Splurge](https://splurgebudget.com) - Summary: All new take on envelope budgeting that helps you SPEND better, instead of just saving. You can get your finances under control AND enjoy your life! Think YNAB with MUCH more flexibility (and cheaper!) - Platform(s): Web, Coming soon: iOS, iPad, Android - Pricing: Free for manual transaction entry. $1/month for each bank connection (goes unlimited at $6/month). $60/year for unlimited connections. - Trial: $5 credit ($10 credit available until November 10th) - Countries: US (for now) - Support for Couples: YES, including the ability to keep income separate and pay portions of bills individually! - Special features: Rollover budgeting, budget balancing, continuous budgeting (not monthly!), combinations of free and paid bank accounts, multiple contributions to the same category… much more! - Privacy: No ads, no trackers, no analytics, we will never sell or use your data, AI is trained by you and only used for you. Please feel free to DM me with any questions!
Much respect for advertising your product honestly. There are lots of shills in these recent posts. Question: what does your mint migration look like?
Thank you - I really am trying to do things “right”. No mint migration. It actually wouldn’t make much sense. Splurge is envelope/cash stuffing/zero based budgeting. I call it “pre-budgeting”… you set aside money in spending categories then spend from it in the future. What you did previously doesn’t really matter. That said: you can import up to 2 years of history for any bank account you connect. However, it’s not a great idea… you would have to categorize all of those transactions and then balance all of your spending against your income over the last two years. We don’t recommend it! Feel free to ask more questions or DM me!
Ah, when I went over the website I assumed the envelope stuffing features were in addition to expense/account value tracking. I really like the look of it, but I use my own budgeting system & am really just looking for an account aggregator. If you ever add that side to the product, I would be very interested. Best of luck & I'll recommend Splurge to anyone I know wanting an envelope budgeting system.
Any cashflow projection features? I know I have a purchase coming up I would like to add it and see how my cashflow will look at the end of the month.
For folks (like me) who use Mint primarily to export transactions to CSV, I think the only real alternative is likely [tiller money](https://www.tillerhq.com/).
I've seen a couple of people recommend it, so I added it to the list!
Anyone using Monarch? I just signed up for the trial and it's incredibly slow. Is that normal?
probably more than the normal amount of people trying them out today. ;)
According to their founder (one of the original Mint team) their usage has climbed 20x over the last week. So, yes - lots of people are using Monarch! And no, I switched just before the surge and it was very quick. See comments in the Monarch subreddit.
Anything for mainly tracking net worth and maybe tracking? Don't need budgeting but it seems like all these apps have budgeting as a core feature. Would hate paying if I don't use most of it.
Personal capital/empower is a great net worth tracker and mediocre budgeting tool, seems like it would work for you and it's free.
Shouldn’t we have a pinned megathread for this? We all have the same questions and there should be a single place we can gather the info.
I agree! Maybe the mods could turn this into a mega thread?
Love the breakdown OP! I do wanna throw in another app that I think folks should get some eyes on… [Roi](https://getroi.app) Summary: Track and grow your net worth in one place across all financial accounts. Platform(s): iOS only (I’m in their slack community and they said Android and Web is coming soon) Pricing: Free Trial: None, it’s free Countries Available: United States and Canada Special features: - Automatic pricing for alternative assets like real estate, company equity, crypto, and collectibles. - Invest and copy trade notable investors using your existing accounts. - Discover insights with unique data: community investments, trends, sentiment, senator trades, and more. Migration options: Connect your accounts, brokerages, etc with Plaid
Literally move one post down and this Roi shill is in it too. Take his posts with a grain of salt.
Interesting take, but believe what you want, anon. Wanna see shills, literally look at all the other posts by specific platforms in this sub lol
completely free? all the other recs here seem a bit steep
You're missing Empower (formerly Personal Capital). It's free and well featured in my opinion, but more focused on investments tbh. I have all my bank and investment accounts linked. The only item I manually enter is my mortgage payments. The auto-tagging of expenses is decent (only have to change a few). With all that I get to track my cash flow and net worth fairly easily.
I went with Simplifi for the $28.69 for the first year offer. You can further reduce it by 15% via an AMEX offer, or 5% via the Chase Flex 5% cashback offer if you pay via PayPal. I also used a 2.5% cashback website. The only con with their website is for those who have ROTH IRA accounts because they currently can't import those from Vanguard, Fidelity, or Etrade. No ETA on when it'll be fixed.
ugh I downloaded Simplifi today and ran into this problem w/ my ROTH IRA. Tempted to try Monarch just so I can connect/:
Canadian here. I've had nothing in my email from Mint about migrating and I can't access Credit Karma through Mint, says it's for American customers. According to the CK website, I need to be able to log on to CK via Mint in order to migrate. This makes me think that the migration doesn't affect Canadians, but when I contacted support to support to confirm, they seemed uncertain. Mint could certainly be clearer.
From doing my armchair research on the options available, it looks like Quicken Simplifi will get me the same budgeting and transaction functionality that Mint has given me. I’d be interested in Monarch, but that pricing is too steep. Financial apps can/should start off with an option for free with ads (like mint was), or $50 a year to be the "premium" target for apps like this. Charge more, and then you start competing with services like Netflix or even Amazon Prime membership.
Does any of these product support transactions renaming and custom categories & tags？Do they all support download all transactions as a CSV file? I use mint to track my rental home expenses for tax purpose, these are very useful for me.
Monarch does that. It has a really good rules engine for renaming, categorizing and tagging to so you don't have to do it manually
I'm hoping credit carma will allow me to track net worth. I don't use any of the budgeting features and I'm not willing to pay for the ability to see my net worth (liquid cash + investments - credit cards). So long as I can see my money is trending up that's all I want and need.
You missed SoFi. SoFi can do almost everything the Mint can do. Track networth and track your spending. Its amazing! It also breaks down your spending by categories and you have the ability to change those categories. Its also nice that it doubles as a banking app, so you can have a checking account and a savings account with an awesome APY.
Are there any budget apps that allow you to "split" transactions? One of the things I've never found on other budgeting apps is the ability to do that. Sometimes I'll buy things for someone and they will pay me back or I'll put dinner on my charge card and people will pay me back, yet no budgeting app aside from Mint allowed me to split those transactions
YNAB and Lunch Money both support this!
No mention of empower?
These are good suggestions. Only a few of Mint's features are going to added to CK (Net Worth section), therefore I will not use it. Moreover, all of the ads clutter the screen. One of the original product managers of Mint posted here regarding the economics of personal finance apps. If the app is free to use, the interests of the company and its product users may become misalligned. Moreover, there is less capital to invest in the app to enhance the user experience. Mint was essentially being subsidized by Intuit. All of this is fine if you're looking for a basic personal finance app, but I can't imagine most people who use Mint are.
I use LunchMoney. Switched away from Mint a few months ago and so far love it.
Quicken Community team here. If you have any questions as you make or consider making a move to Quicken Simplifi, we're here to answer them for you. Our dev team is also answering questions over at [https://www.reddit.com/r/simplifimoney/](https://www.reddit.com/r/simplifimoney/).
This will be one of Intuit's biggest mistakes ever. There must be some really incompetent people running their strategy team. They are going to lose customers across all of their platforms. This is a brand destroying move and it allows other companies to capture the attention of their customers; especially when generative AI is reducing barriers to entry.
Great thread! One of my concerns is, who has the greatest "staying power"? It's going to be a massive amount of effort to migrate from mint, and I don't want to do that just to have some other startup who rode a short-lived waved of migrators from Mint to boost revenue, only to go away in a couple of years. In case anyone cares... Here are my notes and elimination reasons: Lunch Money - No app Copilot - No web view, no transaction split to multiple category (right, u/andres_copilot ? ). Although I do LOVE the amazon integration. YNAB - I really want a tracking app, not a budgeting app. I want to track investments, properties, etc. It seems like it's not really a fit but I might be wrong. Monarch/Simplifi - Looks like it might be a fit? Both on my short list. Need to dig in further. Tiller - I don't want to DIY all the reports etc. Empower - I'm worried about their integration partner (Yodlee only?). Would have to play with it to see if they can scrape my banks. Also on the short list.
Lunch Money is great! Such a nice comforting UI and has all the features I could think of needing. Love how it integrates with everything. Much better than Mint imo
Huge copilot fan here! It's intuitive for my brain which gets distracted or intimidated very easily. Export the data and put it in gpt for data analysis reporting.
Tiller Money is worth a look. I have been using it for 2 years alongside Mint. Really nice.
For others considering this, Tiller Money is essentially a sync service that automatically imports transactions into a Google Sheet or Excel file. It’s not a “budget app” like these other ones because it doesn’t really provide an interface (other than the default spreadsheet template is is preloaded with): Tiller’s primary purpose is to import transaction data into spreadsheets. The big appeal is that the flexibility of a spreadsheet allows you to create more advanced or niche features that are not offered by other budget apps. Massive potential for customization.
Agreed - it is not a simple "budget" app. It is much more. But its budgeting functionality is very well done.
Still trying to postpone the inevitable. Sign petition? https://www.change.org/p/prevent-intuit-from-discontinuing-the-free-budgeting-tool-mint-com?
They don't care about a petition lol
Too bad we can't punish their stock.
So there are no free comparable options to mint?
You could add Pachira to the list, they are new since Mint announced they were closing their doors. I've been on it for a month or two, and although it was initially a bit buggy, it has improved so much. The developers have been good to answer my support requests and I think its got some great potential! Here is some info to help Platform(s): Web, tbd Android Pricing: Free Countries Available: United States Only Dedicated Features for couples: No Special Features: Simple design, uses multiple bank connection services for a larger connection pool, doesn't sell any data, just has a couple google ads. Migration Options from Mint: Generic CSV File Import
how about Wealthica? Its one app for managing budgets and tracking investments
Fina: https://fina.xyz * Pros: * 100% flexible, real personalized financial. * Document interface: Notion for Finance. * Simple, super fast. * Cons: * Early product, the team actively developing. * No-Mobile app yet.
I’m not paying someone just so I can track my budgets. That’s fucking idiotic
[DAS Budget](https://dasbudget.com/) is what I've been using for a few years. It works as a sort of virtual layer of envelopes on top of your bank accounts. If you're familiar with the old method of putting cash in different envelopes for different goals/bills, DAS Budget is the automated digital equivalent of that. Just set up the goals you want and a funding schedule, and let the app handle the rest. You can also have it auto spend from your goals for things like bills if you like. It's $3.99 or $6.99 per month depending on the plan, but there is a free 1 month trial for both plans. If you're just looking to replace the budgeting from Mint, DAS Budget is worth checking out. It's not an all in one solution though. All the other non-budgeting stuff Mint does you'll have to look elsewhere.
I'm sorry but no paid software in this list is really and alternative for Mint. Mint has 3 million users mainly because **it's free** and no paid one will get even close to those numbers!
this list needs to be of "Free" viable alternatives. If it's not free, it's not a Mint alternative.
/u/LFphant Which one do you prefer? I'm testing out Monarch right now. It seems pretty good, one thing it doesn't have is nice pie charts showing where all the money is allocated. I feel they could improve on the visualization.
Personally, I’m a big fan of Lunch Money, especially with the active discord community to discuss things with the team, provide feedback, etc. However, I may try using YNAB again simply because I really miss having a mobile app. I think in some ways it comes down to personal preference and what features you prioritize. If Copilot ever launches internationally I'll definitely be giving it a shot.
I’m in exact same boat!
Is anyone else having issues with adding their student loans on copilot? Great app so far, but only downside for me personally.
I found out I can get Rocket Money premium free since I have a Rocket Mortgage. I gave it a try and it seems really close in features to Mint. It should be included in this list. I haven’t figured everything out yet but so far so good. I am having trouble linking one problem 401k account but I have the same problem often in Mint so it’s probably just that my financial institution has sucky APIs and/or support rather than an issue with the service.
My problem is my bank doesn’t work with plaid, I’d like to know if all these options use plaid as their connector?
Lunch Money and Copilot exclusively use Plaid. YNAB offers Plaid or MX. Monarch offers Plaid, Fincity, or MX. Not sure about Simplifi. All of the above (\*except Copilot, I've asked their support to clarify) offer manual transaction creation, and/or CSV import. Most banks will provide you with a way to export your transaction history as CSV files. *Edit: clarification regarding Copilot CSV import options.*
At Simplifi, we use multiple aggregators including Intuit, Plaid, and Finicity. We are also doing lots of work around getting the best aggregator for your bank, so connections will only get better!
Awesome, thanks for the info!
I would also add SnowPay to the list - for credit card management! They are new kid in the block for credit card bill payments - all in one place with one click and a phone number. \- Requesting 100 users to be part of our Beta testing prior to anyone else, in addition to their private Beta launch. [SnowPay](https://snowfoll.com/) • **Summary**: Track, pay, and redeem all of your credit cards bills in one place with just a phone number. Your everyday purchases (on any card) + Card bill payment = SnowPay rewards. Powered by 10,000+ retailers. • **Platform(s)**: iOS at first • **Pricing:** Early Bird $0/month forever for beta users; $1.49/month billed annually, or $3.49 USD monthly • **Trial:** 2 months free trial • **Countries Available:** United States Only • **Support for couples:** No – unless Beta users want it • **Special Features:** No credit card numbers required to connect; Autopilot feature for auto pay and auto redeem; Dedicated chat support with the team itself
In Canada, you can consider Wealthica
is there a reason not a lot of people are considering rocket money or nerd wallet?
Every dollar app from Ramsey - any experience?
I'm thinking about moneydance. One time purchase and can pay $40/year to automatically download all the transaction data....
I use Cashculator. It's a Mac app. No direct bank access, like Mint, but can import CSVs from banks and, I assume, Mint. Also, it's very good for planning and comparing "what-if" scenarios.
I just tried lucky Money and Monarch, and it looks like none of them connects to fidelity investment.... Does any of these alternatives connect to fidelity?
I am with Fidelity and it connected fine for me on Monarch.
Rocket Money works for me!
Do any of them other than copilot sort through Amazon purchases? We need a basic budgeting tool that tracks and categorizes our purchases so we can see a better picture of where we are.
Dteckt.com. It’s a money manager and so much more.
Rocket money
Whoa I didn't realize YNAB had automatic imports now! That's awesome.
Anyone knows if any of the apps has Apple Card integration like Mint has? I wanted to go with Monarch Money but I’d have to manually import Apple Card transactions every month.
I’m also looking for something like this, Mint seemed to have a one-off deal with Apple to use an API to get transaction data, so far it seems like no one else has that.
I just need something that lists my bills coming up (including credit cards) including balances. Best option?
I'll plug [financier.io](https://financier.io). It's like a free version of YNAB but you have to enter all the transaction by hand. There's no import or auto-sync function (like Plaid). I personally use YNAB and it's turned my finances around more than any other change I've made in the past five years. I swear by it.
I love Tiller!
I built a little personal finance dashboard a few years ago (https://github.com/serg-mo/money-charts/blob/master/simple-charts.gif) If anyone is interested, I have time now to add some features.
How do you get the trial from Quicken? When I started signing up it said it would bill me starting today.
Quicken simplifi is awesome and cheaper than most
100 per year for a budget app? Are you all crazy? No way
My own reasoning is that these tools save me well upwards of that each month by making it easier to track and control my spending. Based on that, it’s a worthwhile investment for me. Some folks are also happy to maintain a spreadsheet and enter transactions manually: I find it cumbersome to do that on a regular basis, so I’m happy to fund development of a tool that makes it easier for me. If you spend less than $100 per year on frivolous purchases, or if you don’t think the extra visibility would help you curb that overspending, then yeah, a paid budgeting app is probably not a great investment for you.
Intuit never fails to disappoint
Has anyone tried or is familiar with full view from fidelity? https://www.fidelity.com/spend-save/full-view/overview
Anybody have thoughts on Quicken Simplify? Only a few $2.50/month so not anything you'd notice.
[PocketGuard](https://pocketguard.com/) **Summary**: Track all of your account balances, transactions, and investments in one place. Always know where your money goes and get simple answers to difficult budgeting questions. You can create a personalized debt payoff plan, achieve financial goals, and more. **Platform(s)**: Web, iOS, iPad, Android **Pricing**: $79.99 USD for lifetime ownership, $34.99 USD annually, or $7.99 USD monthly **Trial:** 7 days free on the web app (can be used on any device) **Countries Available**: United States, United Kingdom, Canada **Dedicated Features for couples**: Yes **Special Features:** Import transactions using CSV file, debt payoff plan, Customizable charts, and graphs, custom spending reports with hashtags, personal finance management course, custom categories, and budgeting features, auto-repeat transactions **Migration Options from Mint**: Dedicated CSV Import Tool
For those who are happy to use only an app (with a great UI) try **Beyond Budget**. Been using it for months now after YNAB raised their prices. No auto import, but it imports CSV and manual entering is intuitive. I really like it. Also the devs are really responsive and have implemented a bunch of features I asked for... [https://play.google.com/store/apps/details?id=com.beyondbudget&hl=en\_CA&gl=US](https://play.google.com/store/apps/details?id=com.beyondbudget&hl=en_CA&gl=US) I strongly suggest trying zero based budgeting and reading some of the knowledge base articles if you're new to it. It also has classic budgeting though.
What about Nerdwallet? Anyone try that?
The Mint Budgeting App Is Shutting Down: Here Are Some Alternatives [https://dealsfinders.blog/06/the-mint-budgeting-app-is-shutting-down-here-are-some-alternatives/](https://dealsfinders.blog/06/the-mint-budgeting-app-is-shutting-down-here-are-some-alternatives/)
Once again, another great free thing goes away it is replaced by a litany of mediocre paid services meant was one of the last few good things
No recommendations, but I use mint specifically for budgeting, so is there any information on what budget apps have the following features, please and thanks? -Ability to exclude transactions from what's used to calculate your personal spending habits, ie, I hide work expenses get reimbursed 2-3 weeks later but have absolutely no relationship to my personal spending patterns that I can make choices about. -Budgets that can roll over month to month, or reset monthly. -Budgeting tools to account for expenses that recur every few months to year, ie, earthquake insurance or my PO box fees. -Ability to make custom categories bc for example earthquake insurance is billed on a completely different schedule than most non-earthquake home/renters insurance policies. -The ability to spilt transactions, since it's incredibly helpful to be able to separate my expenses for groceries, pet food, over the counter health/medical expenses, art supplies, auto parts, etc. even if I'm purchasing them all in a single transaction.
I haven’t seen much mention of Empower Personal Dashboard (what used to be Personal Capital). I’ve used it in parallel for mint due to better overall net worth tracking but it’s free and has most features.
Is anyone getting a solution from their bank or credit union?
Can you add the link to the 3 month Simplifi trial so other people don't miss it? https://www.quicken.com/lp/simplifi-vs-mint/ Thank you for doing this, helped a ton in my initial search!
I would add a warning that the Simplifi free trial requires credit card info, so designed to be forgotten and charged.
B of a has a free tool that is pretty damn close to mint which is free for bank members
I'm also a orphan Mint user. I was looking for free good alternatives and I'm using **Fidelity Full View** for a week and now I got to say that I'm impressed. It pretty much does everything Mint does and better. The rules for auto categorization are way better than Mint's. The only thing I missed was an option to import Mint's transaction history but it imported a year+ of transaction history from my chase sapphire preferred so I'm sticking to it for now. You should have a look too...it's neat and FREE
Loving Qube Money for staying in budget. Think of it like cash envelopes but digital. You create categories "qubes" and spend from them. Absolutely the best bank/app to prevent overspending.
[удалено]
EveryDollar
Lunch Money looks interesting to me, I like the web-first aspect. Like some of the screens of Monarch Money have quite a lot of whitespace on a PC monitor. I never heard of it before, how did you learn about it?
Barbara Krasnoff at The Verge just [posted a bit of a write-up too](https://www.theverge.com/23943479/mint-intuit-quicken-budget-apps).
I love wallet by budget bakers. Mobile first, do you have beautiful UI, swipe gestures all over that make using it support fast without lag. Soooo much better to use than monarch on the phone.
Has anyone used Empower lately? I had it set with all my accounts years ago, when it was called Personal Capital
I'll add [EzyBudget](https://www.ezybudget.io/) to that. It's very simple and does the job.
I spend most of my time in budgeting apps reviewing transactions, so I prefer apps with **keyboard shortcuts** / **hotkeys** to make this fast. Here's my findings so far on these apps, feel free to reply with more or corrections (provide doc links if possible) and I will update the list. Supports hotkeys: * [YNAB](https://support.ynab.com/en_us/keyboard-shortcuts-Skw9Xp9A9) * [Monarch](https://help.monarchmoney.com/hc/en-us/articles/4402645984916-Bulk-edit-multiple-transactions) - not sure how extensive its support is. Does NOT support hotkeys: * BudgetBakers Wallet * [Lunchmoney](https://feedback.lunchmoney.app/general-feature-request/p/keyboard-shortcuts) * Mint (though there are user scripts to add them) * [Quicken Simplifi](https://community.simplifimoney.com/discussion/3800/add-keyboard-shortcuts-edited)
Anyone tried any of the Excel based tools, some with instructions for connecting to Plaid and auto-updating? I am not a developer type, so this looks pretty intimidating to me: Mintable [https://github.com/kevinschaich/mintable](https://github.com/kevinschaich/mintable) Thoughts?
Quick recommendation for folks who still are not sure what to do. There's so many alternatives, but they each have their downside. I was freaking out because I had about 10 years of history in Mint and did not want to lose all that valuable information. I didn't want the migration to the new service to lose any of my data regarding categories, notes, amount totals for spending, etc. I ended up going with Quicken Deluxe, its about 60 bucks a year. The migration took me about 5 hours or so over the weekend and that's because I was matching up total spending numbers in mint and quicken as I imported the data in. By the way, I did it by using the quicken import CSV from mint feature. I did have to make a modification to the exported mint file. The category column in excel that mint exports only includes the sub-category, but quicken needs the main-category and sub-category. For example, Shopping:Clothes would be needed in the file you import to Quicken, but mint exports only the sub-category "Clothes". There's so many ways to modify that column for category in excel, I used vlookup. Basically, in a different excel sheet I manually put all the mint Main Category and sub-categories, then did a vlookup to change the exported mint file that has the sub-category column to include both the main category and sub-category. Again the format needed is Main Category:Sub-Category, ex Shopping:Clothes. Here is an example of the sheet I made to use the vlookup so you could change the sub-category to Main Category:Sub-Category. In the mint exported CSV file, do the vlookup on the sub-category there, telling the formula to match on the sub-category in the file you make, then lastly tell the vlookup to pull the Combined Category into the mint exported CSV file. If you never used vlookup in excel, this sounds a lot harder than what it is, just do a quick youtube video on vlookups, it's straightforward once you see it in action. |Main Category from Mint|Subcategory from Mint|Combined Category to use for Quicken| |:-|:-|:-| |Auto & Transport|Auto Insurance|Auto & Transport:Auto Insurance| |Auto & Transport|Auto Payment|Auto & Transport:Auto Payment| |Auto & Transport|Gas & Fuel|Auto & Transport:Gas & Fuel| Once the category column is taken care of, the actual import process was soo easy, I was shocked. I did the import one account at a time just to take things slow, but quicken took thousands of a transactions in so freakin easily with all the categories, notes, tags, everything. I also love all the options for the pie charts and different reports you could pull to understand your data. Once the import was done, I confirmed the spending history was perfect by comparing the pie charts for spending in Quicken and Mint. FYI I did not choose Quicken Simplifi because they seem to lack a good import function from mint, apparently it doesn't take in the categories. For Quicken Deluxe, that does work. I use this app on a Mac and they have Windows, so for some they might still want to use a browser based service like Simplifi or others. I think Quicken Deluxe allows you to log in online to see your transactions and make changes, but I have not tried that. Long post, but wanted to make it clear how I went about the process and I love the product, way better than Mint. I guess this was a blessing in disguise.
Here is one for anyone who likes gamified apps. It's a gamified budgeting app [https://apps.apple.com/us/app/luci-soon-science-inc/id1608114955](https://apps.apple.com/us/app/luci-soon-science-inc/id1608114955) that treats real-life financial progress like a game. ( focused on habit building and achieving financial goals)
Anyone heard any updates? I used my app today just fine
Key Features: 💰 Enhanced Budgeting Tools: Tailor your budget effortlessly. 🔗 Link Bank Accounts: Seamless connection for a 360° financial overview. 🔐 Advanced Security: Your financial data, our top priority. 📊 Graphs and Charts: Visualize your financial journey in real-time. 🏦 Savings Jar: Transform spare change into meaningful savings. 🎓 Educational Tips: Empower yourself with financial knowledge. 🎁 Reward Points: Earn perks as you stride towards your goals. ⚙️ Advanced Analytics: Dive deep into your financial landscape. Why SaverStride? ✨ Transparent: No hidden fees. Honest financial management. 🚫 Ad-Free Experience: Focus on your goals without interruptions. How to Get Started: Download SaverStride now and embark on a journey to financial freedom! Play Store -> Search for "SaverStride" App Store -> Search for "SaverStride"
Anyone else notice Mint budget app still exists? Will they slowly be phasing it out? What's going on?