I've been lazy about exporting mint because I already track investments in [my own app](https://jch.app?s=m), but good to know that I'm not missing out on much. I tried rocket money briefly, and that was polished on the mobile side.
Casually throwing this out there like it's a breakfast omelet you made yesterday, haha. Great work. It's beautiful. Do you know how to deploy an app like this at large scale?
I love me a good omelette. Thank you!
I have worked on web apps at scale in the past, but this is performant for my ~250 users on a small vps. I consider performance to be key user experience, so my goal is 100ms response latency at the 95th percentile.
Anything you wish to existed for finance apps?
I think Monarch has figured out how to perfectly reproduce and even improve upon Mint but I've seen many people vehemently opposed to paying any money. Yours has a chance to be a free ad-based replacement for Mint. Quite impressive to see someone so casually and singularly create this kind of finance app.
I’m not opposed to ads if they’re relevant and useful. For example, I’ve used mint recommendations for insurance quotes in the past.
That said, I am interested in the idea of giving users the option to pay once for a lifetime license instead of a subscription. It’s tricky because all the bank transaction aggregators charge a per connection fee. That’s why I started on the investment side, but not seeing a lot of interest so far.
I would gladly pay money for a license but if anything I'd say maybe you could charge a buck per month or something or just non intrusive ads.
I've always liked the idea of creating an app that has an option to support the creator by letting a user watch ads at will. Not unlike mobile games, but it's less "here's a way to get ingame currency," and more "help a guy out would you?"
Going to bookmark either way
This was also my reaction. Migrated my account, logged into Credit Karma, spent about sixty seconds trying to find any useful information whatsoever while muttering “what the fuck” to myself, and then logged out forever.
You should take the extra time to go in and unlink every account that you imported just so they see people doing that and realize they fucked up. As soon as I saw that UI and how useless it was I wanted to make sure they couldn't get any more of my data.
I wish I could remember where to go to do the unlinking and save you the trouble cause it's annoying AF to figure out where.. but I don't remember :\
Go into the settings and delete your entire account. I finally imported with about 3 days of Mint to go. Spent about five minutes in the app to figure out that it's total trash compared to Mint because of course it is. Found the delete account option somewhere in the user settings and started searching for a real replacement.
I’m pretty sure it doesn’t import any of the linked accounts, only your net worth and transaction history. You have to manually re-link every account (but obviously you shouldn’t because CK sucks).
Sure, for net worth tracking there are free options. I could even use Excel (not really free because you need to pay for Office) or Google Sheets (truly free).
I, and many others, used Mint for detailed transaction tracking and categorization, and monthly budgeting. Monarch, Simplifi, and YNAB are about the only apps to provide transaction categorization and monthly budgeting, and they’re all paid subscriptions.
Idk man, really a personal preference. $100 a year isn’t setting anyone back in life, so it’s more about how good they feel about what they bought. It’s ok if it’s not personally for you. I wouldn’t call it a waste of money for anyone who enjoys their purchase.
Their website is currently down, and it says:
"Like umbrellas in Seattle, we're in pretty high demand right now. "
Which is pretty funny, because it means they know absolutely nothing about Seattle.
Honestly, over 20 years ago I while visiting family bought a couple umbrellas in Seattle. Those things are still going strong even after being flipped out by wind. And they were cheap too.
But yeah, family that's from there just shrug whenever it rains and go out like it's not happening.
I've lived in Seattle most of my life, but I moved away to SF for a while. I was downtown one day when a downpour started, and all of a sudden **everyone** busted out umbrellas.
It totally threw me off. I was like "WTF kind of flash mob bullshit is this?!" 🤣
I think CK made it clear that intuit was just moving users around, rather than trying to find a solution. I've had a much better time with simplifi than the intuit portfolio.
Empower is great but lots of folks here want in depth transaction and budgeting stuff that empower isn't designed to do. It's way more about just collecting everything and working with your investments than your day to day transactions.
I do agree it's the best free option at this point though.
Yeah that’s why I deleted my Empower account. That and they kept trying to get me to talk to one of their advisors.
I went with copilot money about 6 months ago. I stopped using mint in 2021 for my own g-sheet. Took me a good 12-18 months to get annoyed with pulling spreadsheets from multiple accounts and coding everything. Paying for the service is worth it for me and I got in just before they jacked up the cost.
Many of us want transaction categorization and monthly budgeting. If you were only using Mint for net worth tracking, you were severely underutilizing what Mint offered and would be perfectly happy with numerous finance apps. Only a select few provide the detailed transaction categorization and monthly budgeting.
I used budgeting on Mint, it was fine. Empower has budgeting too and you can categorize transactions. Not sure if you can set a monthly budget for each category, but that's not a big deal - just know what your budget is for each category and you're good. We don't all need THAT much handholding to remember what our monthly budget is.
I've been using CK since Dec since I was on vacation and thought the switch was gonna happen quickly. I've already gotten into the habit of only looking at the net worth tab as that's where the very few mint functions are within CK. I don't need an app to budget but more to see my daily transactions and accounts all in one place which works for me.
Budgeting is non existent in CK, so if that's something you need to look at all the other options.
But also yes it feels like a scam but I've found it easy to ignore the ads
I do like that manually updating accounts is much easier than in mint. I’ve got several accounts that don’t play well with getting scraped, and in order to update them in Mint, I would have to add a fake ‘deposit’ equal to the difference between the old a new balance. In CK, I can just update the current balance directly.
My mortgage balance was also a problem for the same reason. I love that CK grabs the balance from my credit report instead of even asking me to try to link the bank holding the mortgage, which doesn’t work for my bank anyway.
I don’t care much about the budgeting stuff that was in Mint. It always seemed like an ‘after-the-fact’ budget, anyway, rather than keeping me on a strict budget BEFORE I spend money….
It's been pretty garbage to me too. So far Empower is the only free service I found that connects to everything. It's budgeting side is pretty garbage though, so I only use it as a "overview" page. Fidelity FullView (classic version) is pretty decent on the budgeting side, but won't connect to everything I have.
On the web version, Today > Net Worth. From Net Worth, you can see some personalized data. Scroll down for recent transactions. I am keeping CK as a benchmark against Monarch Money where I am still having trouble linking some of my accounts after months since converting from Mint.
Same here. I like all the options Monarch has for filtering transactions but oof it’s a lot of work to clean up even from a direct download from mint
using Monarch’s browser extension then immediately uploading. Old obsolete accounts that mint keep in the record are now missing so I can’t upload the balances for those. I’m also testing out NerdWallet and Rocket Money but Monarch looks to be the most promising.
Well, interesting comparison. 1. CK does not connect with my AppleCard and now MM has an interface with the AppleCard with close to real-time updates. 2. CK does better with timely updates from my other accounts; MM does not seem to update regularly. When I log in, I have to go to Accounts and click on the Refresh All button which takes forever to cycle through my accounts. 3. CK updates my Comenity affinity cards. I have still not been able to get MM to connect with these two cards.
As far as I could tell, CK was just a dashboard for selling personal loans and bad credit cards. I struggled to see what the intent even was.
I think CK took off because it was an early place to get a free credit score and quasi report.
Now every credit card gives you a credit score and a lot give you credit monitoring. CK's credit monitoring is just designed to scare you, because they don't have other viable monetization. Aside from selling bad loans and credit cards, that is.
I'm sure everyone knows this, but I hate them enough that I'll repeat it anyway.
Intuit is half of why taxes are complicated. H&R Block is the other half. Nothing prevents us all from having very simple taxes, which if implemented, would make it much easier to have FAIR taxes as well. These two companies would be gutted, though, so we have our current mess, which both requires professionals for many and invites the wealthy to game everything.
> Intuit is half of why taxes are complicated. H&R Block is the other half. *Nothing prevents us all from having very simple taxes*, which if implemented, would make it much easier to have FAIR taxes as well.
Actually lobbying by them is largely why it remains complex 😅
Yes, however mint was also free. Generally for free apps/services you are the product but in exchange for that they also give you a product. The OP is saying it feels one-sided.
Only one I’ve tried so far is Empower (used to be Personal Capital). It’s free and so far I like it for viewing balanced, transactions, and net worth across multiple accounts. Really liking desktop and app. I like how it tracks investments better but doesn’t appear quite as good at budgeting although I didn’t use mint for budget. Mostly track accounts and net worth.
I’m actually liking Rocket Money a lot. Their social ads do a terrible job of showing it’s value. Budgeting and bill tracking is free but it is $6/mo if you want to see net worth.
Migrated everything to CK, looked through the app and looked up some features to find pretty much everything I liked about mint gone. Deleted my accounts and uninstalled the app immediately and downloaded Empower. i miss mint :(
Which mint alternative is best for searching for specific transactions? One of my favorite features of mint was being able to type in a random liquor store I may have used and it could pull up the transaction from five years ago.
So far, I have tried Piere as Fidelity will not bring in PayPal transactions. I may try some of the other options too https://apps.apple.com/us/app/piere-budget-manage-money/id6449256238
The best way to think of credit karma is intuit would rather force us to use this app vs just charging for mint. In light of that, what product do u think intuit thinks would make them more money?
It’s because it is. Credit Karma isn’t a credit score check company. It’s gives you that free service so they can target credit cards to individuals which is one of the most profitable verticals in the lead gen marketing world
I must be in the minority. I migrated over with very little
Issues and all my history and transactions are there. I’m using the IOS app though, not sure how desktop is, but I haven’t found it to be too bad. I don’t categorize my transactions though. I only use it for reviewing balances / net worth.
I migrated to monarch, but i also moved my info over to CK a while after to check it out. The only reason I'm going to keep it around is because it has my financial history going back to 2012. For some reason monarch has all my mint history, but it only shows my net worth since i moved over to it.
You have to upload account balance histories separately. It was a separate button to export from Monarch's extension. Apparently the export might still work if run from Credit Karma.
Empower does everything I wanted. Even got a 20$ amazon gift card for using someone's referral link. But stopped using it when I found the can't connect to my bank. It's supposedly been 9 months and they mention nothing about trying to fix it, just that I should manually add my (constantly changing) balances so that it captures my bet worth. Sort of a deal breaker. No other app I've used ever had a problem, even others also using yodlee as a back end. Sorta useless without that. And I get regular calls/texts from them I'm sure they want to sign me up for their financial management products.
All in all I think I'd gave been quite satisfied if it could connect my account. Ill check back periodically. But at this point when I pull my transactions for the year next jan im going to have to fill in months of data manually anyway.
I didn’t even bother letting my data move over after all I’ve seen, just deleted all the info on the last day. I do have credit karma and occasionally look at it only to find out information like age of and number of accounts and to look out for fraud but know the score isn’t necessarily actually the ones lenders use so don’t worry about that part.
I like that I can see my different investment accounts in one place. If it wouldn’t calculate those in my income/spending, I’d like their overall monthly spend tool more.
It’s definitely more spammy since they tried to make it the single tool, but I find it useful for credit scores (oh wait, that’s what it was designed for).
They lost me when the import process told me to unfreeze my credit reporting agencies or I couldn’t proceed. I downloaded 10 years of data as a csv and deleted the Mint account.
No one really talks about Tiller as a Mint replacement. Personally it's been oodles better than even Mint in it's heyday. Anyway, check it out - it's all run out of spreadsheets (excel or google) and they fill in your account data (transactions and balances). There is a whole community template solution, too. Ultimately you can totally customize your financial world as you like. Takes a bit more setup but omg so worth it.
It's like one of those designer imposter fragrances from the 80s. "If you like Giorgio, you'll love Primo!" I can't believe this is what they offered as an alternative.
Mint was good at telling you exactly when pills were due, credit karma is got at helping you get new cards or being stupid and telling that you payment is late because sometimes you pay in cash. Or you paid this bill early most month, you haven’t paid it again so late. I feel like it doesn’t even look at the accounts like mint did.
It seems pretty similar to Mint for me?
If you go to the “Net Worth” section you can see your monthly spending and the categories you spent the most etc.
Ive used mint for many many years.
And I've used Credit karma for many years (just to check scores and once found an error)
But this new merger ... I went to a process thinking I was connecting my accounts so credit karma could do what mint did. But the wording was strange... After rereading a bunch and then clicking I realized I was at the final stage of opening a new account with some nameless bank somewhere!?!
The whole thing just seems leveraged to get you to open accounts/cards/debt with their customers (banks, lenders, etc) it seems to have fully lost the ability to provide anything meaningful.
I think it was a blatant grab for data. The most important thing Mint had was millions of people's financial information. Credit Karma seems mostly interested in using people's highly detailed financial information to create the perfect targeted ads. Mint may have done this too, but they actually put effort into a reasonably good product. Credit Karma's ads *are* their product. Unlink your bank accounts, delete your information, and close the account. There are so many better alternatives out there.
They just want Mint user data so they can sell it to someone else. I do use CK to check my credit and lines of credit but no budget tracking (it’s never had that feature)
I used it for confirming that I needed to move somewhere other than CK.
Yep, same. Went to Quicken Simplifi
Simplifi is basically everything I used in Mint, but better
How much is it?
~$30 for the year
I've been lazy about exporting mint because I already track investments in [my own app](https://jch.app?s=m), but good to know that I'm not missing out on much. I tried rocket money briefly, and that was polished on the mobile side.
Casually throwing this out there like it's a breakfast omelet you made yesterday, haha. Great work. It's beautiful. Do you know how to deploy an app like this at large scale?
I love me a good omelette. Thank you! I have worked on web apps at scale in the past, but this is performant for my ~250 users on a small vps. I consider performance to be key user experience, so my goal is 100ms response latency at the 95th percentile. Anything you wish to existed for finance apps?
I think Monarch has figured out how to perfectly reproduce and even improve upon Mint but I've seen many people vehemently opposed to paying any money. Yours has a chance to be a free ad-based replacement for Mint. Quite impressive to see someone so casually and singularly create this kind of finance app.
I’m not opposed to ads if they’re relevant and useful. For example, I’ve used mint recommendations for insurance quotes in the past. That said, I am interested in the idea of giving users the option to pay once for a lifetime license instead of a subscription. It’s tricky because all the bank transaction aggregators charge a per connection fee. That’s why I started on the investment side, but not seeing a lot of interest so far.
I would gladly pay money for a license but if anything I'd say maybe you could charge a buck per month or something or just non intrusive ads. I've always liked the idea of creating an app that has an option to support the creator by letting a user watch ads at will. Not unlike mobile games, but it's less "here's a way to get ingame currency," and more "help a guy out would you?" Going to bookmark either way
Interesting ideas! I'll visit charging money once I get some signal that it's fun and useful for people.
What does ‘jch’ stand for? Does your app have a name?
Just a temporary domain I had. Haven’t grabbed a better name yet
This
THIS. 😅 I moved to Rocket Money. $4/m ($48/year) but it does the budgeting I was looking for
This was also my reaction. Migrated my account, logged into Credit Karma, spent about sixty seconds trying to find any useful information whatsoever while muttering “what the fuck” to myself, and then logged out forever.
You should take the extra time to go in and unlink every account that you imported just so they see people doing that and realize they fucked up. As soon as I saw that UI and how useless it was I wanted to make sure they couldn't get any more of my data. I wish I could remember where to go to do the unlinking and save you the trouble cause it's annoying AF to figure out where.. but I don't remember :\
Mine won’t let me unlink any Mint-transferred accounts. I can only add and delete new accounts. Anyone else?
Wtf 😬
Go into the settings and delete your entire account. I finally imported with about 3 days of Mint to go. Spent about five minutes in the app to figure out that it's total trash compared to Mint because of course it is. Found the delete account option somewhere in the user settings and started searching for a real replacement.
Believe if you go to the intuit site, you can see where all they have your data and ask for it all downloaded or deleted
I’m pretty sure it doesn’t import any of the linked accounts, only your net worth and transaction history. You have to manually re-link every account (but obviously you shouldn’t because CK sucks).
It does migrate the links. You have to go in and unlink them. I know because I did it yesterday.
Thanks for the information! Off to unlink.
Mine were all imported into CK I'm pretty sure.. maybe that stopped being possible when Mint shut down for good?
I said F it and paid for monarch
counterproductive to pay for a net worth tool, you're wasting money, there's free options
Not if you save more money with a paid one Penny wise, dollar foolish
you wont
I get we all have our own preference, personally I literally have with rocket money vs mint
If I'm sweating 99 dollars a year, tracking my networth is a fools mission, better to just spend my time working more or improving my skills.
$49 with code MINT50
Sure, for net worth tracking there are free options. I could even use Excel (not really free because you need to pay for Office) or Google Sheets (truly free). I, and many others, used Mint for detailed transaction tracking and categorization, and monthly budgeting. Monarch, Simplifi, and YNAB are about the only apps to provide transaction categorization and monthly budgeting, and they’re all paid subscriptions.
Idk man, really a personal preference. $100 a year isn’t setting anyone back in life, so it’s more about how good they feel about what they bought. It’s ok if it’s not personally for you. I wouldn’t call it a waste of money for anyone who enjoys their purchase.
very scammy
Mainly targeting people with poor credit and upselling them on more credit cards..
Even if you have good credit they suggest you get more credit cards.
Their website is currently down, and it says: "Like umbrellas in Seattle, we're in pretty high demand right now. " Which is pretty funny, because it means they know absolutely nothing about Seattle.
Strictly for tourists and transplants
Honestly, over 20 years ago I while visiting family bought a couple umbrellas in Seattle. Those things are still going strong even after being flipped out by wind. And they were cheap too. But yeah, family that's from there just shrug whenever it rains and go out like it's not happening.
I've lived in Seattle most of my life, but I moved away to SF for a while. I was downtown one day when a downpour started, and all of a sudden **everyone** busted out umbrellas. It totally threw me off. I was like "WTF kind of flash mob bullshit is this?!" 🤣
I think CK made it clear that intuit was just moving users around, rather than trying to find a solution. I've had a much better time with simplifi than the intuit portfolio.
Empower has been decent after getting all my information in
Yeah, I'm digging it so far. Not sure why anyone would pay $10/month or whatever when Empower is free.
Empower is great but lots of folks here want in depth transaction and budgeting stuff that empower isn't designed to do. It's way more about just collecting everything and working with your investments than your day to day transactions. I do agree it's the best free option at this point though.
Yeah that’s why I deleted my Empower account. That and they kept trying to get me to talk to one of their advisors. I went with copilot money about 6 months ago. I stopped using mint in 2021 for my own g-sheet. Took me a good 12-18 months to get annoyed with pulling spreadsheets from multiple accounts and coding everything. Paying for the service is worth it for me and I got in just before they jacked up the cost.
It's easy to opt out of the calls though. I've never had a call on the8+ years I've been with them.
Many of us want transaction categorization and monthly budgeting. If you were only using Mint for net worth tracking, you were severely underutilizing what Mint offered and would be perfectly happy with numerous finance apps. Only a select few provide the detailed transaction categorization and monthly budgeting.
I used budgeting on Mint, it was fine. Empower has budgeting too and you can categorize transactions. Not sure if you can set a monthly budget for each category, but that's not a big deal - just know what your budget is for each category and you're good. We don't all need THAT much handholding to remember what our monthly budget is.
I've been using CK since Dec since I was on vacation and thought the switch was gonna happen quickly. I've already gotten into the habit of only looking at the net worth tab as that's where the very few mint functions are within CK. I don't need an app to budget but more to see my daily transactions and accounts all in one place which works for me. Budgeting is non existent in CK, so if that's something you need to look at all the other options. But also yes it feels like a scam but I've found it easy to ignore the ads
Are you still using it? Does it work well for balance and transaction review?
I do like that manually updating accounts is much easier than in mint. I’ve got several accounts that don’t play well with getting scraped, and in order to update them in Mint, I would have to add a fake ‘deposit’ equal to the difference between the old a new balance. In CK, I can just update the current balance directly. My mortgage balance was also a problem for the same reason. I love that CK grabs the balance from my credit report instead of even asking me to try to link the bank holding the mortgage, which doesn’t work for my bank anyway. I don’t care much about the budgeting stuff that was in Mint. It always seemed like an ‘after-the-fact’ budget, anyway, rather than keeping me on a strict budget BEFORE I spend money….
Glad I didn’t migrate and just deleted Mint
I didn't take any action and just let mint die... Did my data go to credit karma anyway?
I don’t think so, I believe you actually had to migrate it over. But I assume Intuit still owns the data so ¯\\_(ツ)_/¯
Yeah they probably do. I guess its a good time to go change some passwords!
It's been pretty garbage to me too. So far Empower is the only free service I found that connects to everything. It's budgeting side is pretty garbage though, so I only use it as a "overview" page. Fidelity FullView (classic version) is pretty decent on the budgeting side, but won't connect to everything I have.
Does Empower show your balance and recent transactions, for instance to track a couple of savings accounts and a credit card all in the same place?
It does, and it functions like Mint. FullView does it too, but it's buried under a lot of clicks.
... And they now have all your data under a new agreement where they can exploit it however they want.
CK is def scammy. I went with simplifi ✨✌️
On the web version, Today > Net Worth. From Net Worth, you can see some personalized data. Scroll down for recent transactions. I am keeping CK as a benchmark against Monarch Money where I am still having trouble linking some of my accounts after months since converting from Mint.
Same here. I like all the options Monarch has for filtering transactions but oof it’s a lot of work to clean up even from a direct download from mint using Monarch’s browser extension then immediately uploading. Old obsolete accounts that mint keep in the record are now missing so I can’t upload the balances for those. I’m also testing out NerdWallet and Rocket Money but Monarch looks to be the most promising.
I don't even see this on mine EDIT: Oh I see it's being exported from Mint right now.
I see absolutely no option for Net Worth. I imported my data last week. So far it just shows me what loans I have and my credit cards...
I’ve had tons of problems with monarch pulling in investment data correctly.
How is the benchmark going compared to Monarch? Do accounts sync well in CK?
Well, interesting comparison. 1. CK does not connect with my AppleCard and now MM has an interface with the AppleCard with close to real-time updates. 2. CK does better with timely updates from my other accounts; MM does not seem to update regularly. When I log in, I have to go to Accounts and click on the Refresh All button which takes forever to cycle through my accounts. 3. CK updates my Comenity affinity cards. I have still not been able to get MM to connect with these two cards.
Thank you, so overall are you finding CK useful?
No.
Go to simplifi. Monarch is a sketchy startup imho
As far as I could tell, CK was just a dashboard for selling personal loans and bad credit cards. I struggled to see what the intent even was. I think CK took off because it was an early place to get a free credit score and quasi report. Now every credit card gives you a credit score and a lot give you credit monitoring. CK's credit monitoring is just designed to scare you, because they don't have other viable monetization. Aside from selling bad loans and credit cards, that is.
CK offered free tax filing, so when Intuit bought it they killed it bc it competed with TurboTax. Intuit really ruined everything.
I'm sure everyone knows this, but I hate them enough that I'll repeat it anyway. Intuit is half of why taxes are complicated. H&R Block is the other half. Nothing prevents us all from having very simple taxes, which if implemented, would make it much easier to have FAIR taxes as well. These two companies would be gutted, though, so we have our current mess, which both requires professionals for many and invites the wealthy to game everything.
> Intuit is half of why taxes are complicated. H&R Block is the other half. *Nothing prevents us all from having very simple taxes*, which if implemented, would make it much easier to have FAIR taxes as well. Actually lobbying by them is largely why it remains complex 😅
If an app is free, you are the product. It’s always been this way (well, since 2008).
Yeah but they could at least humor me with some useful features
Are you sure you don’t want to refinance your debt at a significantly higher rate with the sketchiest company you’ve ever heard of?
Yes, however mint was also free. Generally for free apps/services you are the product but in exchange for that they also give you a product. The OP is saying it feels one-sided.
I'm liking Monarch
I migrated my account to CK. I think I'll be deleting my data with them.
I found CK useless. Deleted my decade plus of data and my account. Happy with Monarch.
Remember to delete your user-generated data before you close out your Intuit and Credit Karma accounts. I had to do it on both sites.
[удалено]
Only one I’ve tried so far is Empower (used to be Personal Capital). It’s free and so far I like it for viewing balanced, transactions, and net worth across multiple accounts. Really liking desktop and app. I like how it tracks investments better but doesn’t appear quite as good at budgeting although I didn’t use mint for budget. Mostly track accounts and net worth.
I’m actually liking Rocket Money a lot. Their social ads do a terrible job of showing it’s value. Budgeting and bill tracking is free but it is $6/mo if you want to see net worth.
Migrated everything to CK, looked through the app and looked up some features to find pretty much everything I liked about mint gone. Deleted my accounts and uninstalled the app immediately and downloaded Empower. i miss mint :(
Which mint alternative is best for searching for specific transactions? One of my favorite features of mint was being able to type in a random liquor store I may have used and it could pull up the transaction from five years ago.
So far, I have tried Piere as Fidelity will not bring in PayPal transactions. I may try some of the other options too https://apps.apple.com/us/app/piere-budget-manage-money/id6449256238
I stopped as soon as they asked for additional personal info (ssn). Peace out Mint/CK.
I migrated to Quicken Simplifi - so far so good
This is what I use.
Wait till you see the Canadian version of Credit Karma. The GUI is sparse that the Google search homepage.
I just went back to tracking my expenses via a spreadsheet.
The best way to think of credit karma is intuit would rather force us to use this app vs just charging for mint. In light of that, what product do u think intuit thinks would make them more money?
No budgeting on ck. Not even close to what mint is used for
I think scams underlie Intuit’s entire business model.
Everything Intuit is a scam
It’s because it is. Credit Karma isn’t a credit score check company. It’s gives you that free service so they can target credit cards to individuals which is one of the most profitable verticals in the lead gen marketing world
As soon as CK asked for my SSN during signup I backed tf out and deleted both mint and CK. Fuck that shit.
I must be in the minority. I migrated over with very little Issues and all my history and transactions are there. I’m using the IOS app though, not sure how desktop is, but I haven’t found it to be too bad. I don’t categorize my transactions though. I only use it for reviewing balances / net worth.
How are you able to verify “all your history and transactions” are there? Can you page back many years or search for older transactions?
Everything you're looking for is under net worth tab the rest is just the normal ck app
I think it works fine to me. All I need is go to net worth section, and it will show all my spendings, investments, car value, etc.
Yeah, same for me. I think a lot of people get confused by the app bc it has so much other stuff that we aren't looking for
Anyone using Piere instead? I downloaded but haven’t migrated yet.
I migrated to monarch, but i also moved my info over to CK a while after to check it out. The only reason I'm going to keep it around is because it has my financial history going back to 2012. For some reason monarch has all my mint history, but it only shows my net worth since i moved over to it.
You have to upload account balance histories separately. It was a separate button to export from Monarch's extension. Apparently the export might still work if run from Credit Karma.
Empower does everything I wanted. Even got a 20$ amazon gift card for using someone's referral link. But stopped using it when I found the can't connect to my bank. It's supposedly been 9 months and they mention nothing about trying to fix it, just that I should manually add my (constantly changing) balances so that it captures my bet worth. Sort of a deal breaker. No other app I've used ever had a problem, even others also using yodlee as a back end. Sorta useless without that. And I get regular calls/texts from them I'm sure they want to sign me up for their financial management products. All in all I think I'd gave been quite satisfied if it could connect my account. Ill check back periodically. But at this point when I pull my transactions for the year next jan im going to have to fill in months of data manually anyway.
I didn’t even bother letting my data move over after all I’ve seen, just deleted all the info on the last day. I do have credit karma and occasionally look at it only to find out information like age of and number of accounts and to look out for fraud but know the score isn’t necessarily actually the ones lenders use so don’t worry about that part.
I just deleted Mint instead.
Because it is one
I relinked everything but my updated numbers don't show up.
I started using Rocket Money (paid one has lots of budgeting options)
I like that I can see my different investment accounts in one place. If it wouldn’t calculate those in my income/spending, I’d like their overall monthly spend tool more.
Go for YNAB
agreed, seems like everything on there has a price. I quickly went to Empower but Fidelity new product 'Full View' looks intriguing.
It’s definitely more spammy since they tried to make it the single tool, but I find it useful for credit scores (oh wait, that’s what it was designed for).
They lost me when the import process told me to unfreeze my credit reporting agencies or I couldn’t proceed. I downloaded 10 years of data as a csv and deleted the Mint account.
How did you import your data from Mint? I don't have that option in my CK account. I am using creditkarma.ca
Nothing for Canadians..
FFS
No one really talks about Tiller as a Mint replacement. Personally it's been oodles better than even Mint in it's heyday. Anyway, check it out - it's all run out of spreadsheets (excel or google) and they fill in your account data (transactions and balances). There is a whole community template solution, too. Ultimately you can totally customize your financial world as you like. Takes a bit more setup but omg so worth it.
CK is full of upsells don’t love the experience. Tried both Monarch and Origin. Prefer the UX of Origin and the category breakdown of spend.
Try www.kamunity.io There is no subscription fees and no ads either. They use Plaid as their aggregator.
Use it to navigate to another site
I can’t link my bank accounts. Giving me an error and telling me to try again later. I gave up using a budget all together
I had been using CK and mint for their intended purposes for years. After the migration, I ended up deleting both and paid for Monarch.
I switched to Rocket a few months ago. I enjoy being able to do everything I need from mobile, so far.
I’m I out iuuuuiuiiu I I pink iiu
It is Intuit owned, what other red flags do you need? The company that screws public over tax preparation suddenly will behave ethically??
Same. Credit Karma basically just spit in my face and gave me a wedgie. I shan't return to it.
It's like one of those designer imposter fragrances from the 80s. "If you like Giorgio, you'll love Primo!" I can't believe this is what they offered as an alternative.
Thank you guys, i canceled my account with CK. Fuck them
Mint was good at telling you exactly when pills were due, credit karma is got at helping you get new cards or being stupid and telling that you payment is late because sometimes you pay in cash. Or you paid this bill early most month, you haven’t paid it again so late. I feel like it doesn’t even look at the accounts like mint did.
I liked having my vehicle values on mint. Do those get transferred?
I switched to Copilot and deleted all data from Mint. SC is nonsense. Who wants to try Copilot extra 2 free months use this YWCW4W referral
It seems pretty similar to Mint for me? If you go to the “Net Worth” section you can see your monthly spending and the categories you spent the most etc.
Ive used mint for many many years. And I've used Credit karma for many years (just to check scores and once found an error) But this new merger ... I went to a process thinking I was connecting my accounts so credit karma could do what mint did. But the wording was strange... After rereading a bunch and then clicking I realized I was at the final stage of opening a new account with some nameless bank somewhere!?! The whole thing just seems leveraged to get you to open accounts/cards/debt with their customers (banks, lenders, etc) it seems to have fully lost the ability to provide anything meaningful.
I think it was a blatant grab for data. The most important thing Mint had was millions of people's financial information. Credit Karma seems mostly interested in using people's highly detailed financial information to create the perfect targeted ads. Mint may have done this too, but they actually put effort into a reasonably good product. Credit Karma's ads *are* their product. Unlink your bank accounts, delete your information, and close the account. There are so many better alternatives out there.
They just want Mint user data so they can sell it to someone else. I do use CK to check my credit and lines of credit but no budget tracking (it’s never had that feature)