Mint shut down. How to choose what replaces it
Mint closed in March 2024. Before picking a replacement, work out which part of it you actually used — the answers point at very different products.
Intuit discontinued Mint in March 2024 and directed its users toward Credit Karma. The migration was not like-for-like, and a lot of people are still using something they settled for rather than something they chose.
The useful first step is not comparing products. It is working out which part of Mint you actually opened it for, because the honest answer sends different people to completely different places.
If you used it to see everything in one place
This is what most people used daily: accounts aggregated, transactions arriving automatically, categorised without effort, and a monthly picture of where the money went. It is the easiest part to replace, and nearly every contender does it.
Judge the candidates on how well they categorise without being corrected, whether a fix stays fixed, and whether transfers between your own accounts are excluded from spending rather than inflating it.
If you used it to budget
Mint’s budgets were light. If you want something structurally better rather than equivalent, a method-driven tool like YNAB is a real upgrade, provided you want the method. If you did not maintain Mint’s budgets either, a simple per-category monthly amount is likelier to survive contact with reality.
If you used it for the credit score
That is the part that genuinely moved to Credit Karma, and a budgeting app is not a substitute. Credit monitoring is a separate product category; keep it separate rather than choosing a finance app on that basis.
If you used it for net worth and investments
You need something with real investment support. Plenty of tools track spending well and treat a brokerage account as a balance that appears from nowhere. If portfolio performance matters to you, filter on that first, because it is the hardest capability to retrofit.
The question Mint never asked you
Mint was free because it recommended financial products and showed offers against your spending. That is a legitimate model and it is also the reason a lot of people never fully trusted it. Worth deciding deliberately this time: a subscription you pay for aligns the company’s incentives with yours in a way an advertising model cannot.
And worth asking the thing Mint never handled at all — whether the replacement keeps the receipt as well as the amount. If any of your spending is business, freelance, or attached to a warranty, that gap will cost you more than the categorisation quality ever will.